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

For a few years I have been going back and forth with Experian about a public record listed on my credit report. Each time they say XXXX XXXX XXXX provided the information to them. I have contacted XXXX multiple times and multiple times they have said they are not reporting the information to Experian. In XX/XX/XXXX XXXX provided me with a letter that states they have no record of a bankruptcy and have not provided that information to Experian. I have sent this letter to Experian on multiple occasions and Experian refuses to remove the public record and states that the record was investigated previously and the dispute is frivolous. 

Also, in XX/XX/XXXX I had sent a letter into Experian to investigate a slew of credit inquiries. Since I have a fraud alert on my credit file for identity theft I asked to see the permissable purpose of the credit inquiries they are currently reporting. Experian replied, XX/XX/XXXX, with a copy of my credit report stating that inquiries are a factual part of my credit report. 

Experian routinely violates consumer rights under the FCRA by either labeling disputes as frivolous or outright ignores the dispute all together. If I had to guess, I have asked Experian atleast 20 times to remove this public record all to no avail. 

I would like the CFPB to step in and represent me and hold Experian accountable for the disregard of my rights afforded to me by the FCRA. As you know, the FCRA was enacted to protect consumers from situations as this. I have attached a copy of the letter XXXX provided as well as an excerpt from the response I received from Experian.
Product: Mortgage

Summary : CMG Financial has over-charged me interest on my mortgage loan. On top of that, they have not been cooperative with me in remediating that issue. 

Background : I used to have a previous mortgage with them, Loan number XXXX, which I paid off via refinancing with another company ( XXXX XXXX DBA XXXX XXXX ) on XX/XX/2021. 

However, CMG Financial reacquired my loan ( they bought it from XXXX  ) so now I have a new loan ( number XXXX ) with CMG again. I dont know the exact date as to when they acquired my loan from XXXX ; only thing clear is that they could not have acquired it until after the refinancing escrow had closed on XX/XX/2021. 

This means that for the XX/XX/2021 monthly mortgage payment, I should only be charged interest for the actual number of days remaining in the month of XX/XX/2021 after ecrow closing on XX/XX/2021. 

I have sent several messages to them using their website and also made follow up phone calls to no avail. In a phone call with them on XX/XX/2021, the lady I spoke to said they will do a loan analysis to confirm interest charged and get back to me within 24 to 48 hours. I did not get any reply. 

On XX/XX/2021 at XXXX XXXX  PST, I sent them a message ( using their website ) and I mentioned that if I still do not get an update from them by XXXX XXXX  PST of XX/XX/2021 that I will have to file a complain against them, since that would be already 3 days from the time they were supposed to do a loan analysis. 

Around XXXX XXXX  PST on XX/XX/2021, I called their hotline to try and get an update since no one has responded at all to me. I told the lady who I spoke with to relay my message to a manager that if I still do not get any response by XXXX XXXX  PST of XX/XX/2021, then I definitely will have no choice but to file a complaint against them. 

Note : I had already made my XX/XX/2021 mortgage payment.
Product: Credit reporting 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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} XXXX XXXX Balance : {$4400.00} XXXX XXXX  XXXX Balance : {$0.00} Original Creditor : XXXX XXXX Balance XXXX : {$350.00} XXXX XXXX  XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$6500.00} 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: Credit reporting, credit repair services, or other personal consumer reports

I had a Federal Student loan with the XXXX XXXX XXXX XXXX that went into default and they began to garnish my paycheck until the loan was paid off in full. The final payment was made over a year ago. In fact I over paid on the loan and received several refund checks from the US treasury department to repay back the over payment. A few months ago I was informed by my mortgage lender that I had an unpaid student loan appearing on my credit report. I thought he must be seriously mistaken but there was a balance of {$180.00} added to a school loan and it stated it was unsettled. I reached out to the XXXX XXXX XXXX XXXX about what was appearing on my report as well as disputed the era with XXXX. I was told by XXXX XXXX XXXX that my acct was categorized incorrectly and they would have to correct it and should reflect correctly in 7 days. I waited two weeks and called them back and the era had not been corrected. I was reassured that the problem would be corrected and was told this time that it only takes two days. My lender ran a check of my profile on some system ( due to me applying a gov backed loan ) and my name was cleared after two days. My XXXX report was corrected as well. However, now on my experian report it is saying that I failed to make a payment on the acct this year. The acct was satisfied last year and there should not be anything due. They owed me. Now experian is not allowing me to dispute this acct again because I disputed it previously. My fear now included that XXXX will be the next one receiving incorrect information on my report. This has cost me two homes in this home buying process. Please help
Product: Credit reporting or other personal consumer reports

Remove this account or this can be settled at court.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> I submitted a request for LexisNexis to Explain to me how could they report or furnish information to the Credit Bureau 's without Permissible Purposes? A consumer reporting company may not provide a consumer report under FCRA section 15 USC 1681b ( a ) ( 3 ) I also attached letters from the Courts stating that they do not provide that information to the Credit reporting agencies as well! I also had my File frozen with LexisNexis so therefore no information is to be provided! LexisNexis continue to Furnish XXXX with a Dismissed Bankruptcy and it needs to stop!
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I paid US Bank the shortage of escrow of {$1600.00} on XX/XX/XXXX. I had to call back on XX/XX/XXXX because US Bank stated I made an overpayment and refused to apply to my escrow. They stated they will fix it and as of XX/XX/XXXX I had to call again and now US bank stated I did not have enough money to cover the shortage of {$1600.00} even though I paid the exact amount. I have a bank statement that proves I paid in full and a confirmation number. They stated they will send another request form to get it adjusted after this being my 3rd time to get it taken care of. I have been paying {$130.00} more than what I should have for 2 months now. I have been removed from online banking and can not monitor my account because they stated I was in bankruptcy status and lose that luxury. 

In addition, I tried to apply for the COVID-19 Mortgage Relief bill in XXXX in trying to refinance to keep food on the table, and at that point, they said I did not qualify because I was in bankruptcy. US Bank representatives are very rude and disrespectful. When one is in a horrible state and about to lose everything that should not open a door for a representative to laugh at your situation and tell you that US Bank can do whatever they want to. Horrible place and they take advantage of people in hard times.
Product: Credit reporting or other personal consumer reports

I am a victim of identity there, there is different names and address on my credit report
Product: Payday loan, title loan, or personal loan

I have not supplied proof under the doctrine of estoppel by silence englehardt v. Gardens 281 sw 715-719. I presume that no proof of the alleged debit, nor therefore any such debit exist
Product: Credit card

Synchrony CARE CREDIT is not allocating my payments correctly. A promotional balance went from {$1100.00} which was my original purchase price to {$1300.00} which makes no sense. Also, the total balance I calculate per the statements which seems there is a XXXX statement missing should be {$1400.00} NOT {$2300.00} as the outstanding balance states. They have misapplied my payment {$840.00} and seem to have taken it out twice. I have no idea what is going on, but I feel I am being ripped off and this needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report again during COVID-19 and found late payment on XXXX and XX/XX/2020 where i was told that it would be deferred and put in the back of the loan : I am not sure how this happened, but i also checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. Also, this account continues to report incomplete information, such as wrong balance, different late remarks on different bureaus, not the same month, inconsistent payment history, etc. This can not be accurate and I really don't want to waste any time going back and forth. This account is unverifiable and wants it deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I revied my credit report. I notice the following issues. 
Account Name : XXXX XXXX XXXX. 
date opened, high credit, date last reported, date last activity, please investigate or delete due to the fact that all credit reporting agencies are supposed to report 100 percent accuracy across the board for all credit reports, and it is not. I do not use XXXX on any paperwork. I was told that everything came back complete and accurate. How is that possible if the open date, date of last activity, and much more is incorrect? According to 15 U.S.C 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 U.S.C. 1681 section 602 A. States I have a 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.

15 U.S.C. 1681c. ( a ) ( 5 ) section 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 seven years. I previously asked XXXX XXXX Bank for items by law. 
These items are : a payoff disclosure, interest rate disclosure, credit insurance, original contract with my signed signature on it. I never received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus continue to report a debt that was discharged in my XX/XX/XXXX Chapter XXXX Bankruptcy filing. It originally was discharged, and then on XX/XX/XXXX XXXX/XXXX  created four new account numbers and are reporting the discharged amounts as a new collection account. I have repeatedly disputed this on all 3 credit bureaus, but they are no longer correcting it and it is negatively affecting my credit score.
Product: Credit reporting

My complaint is in regards to inaccurate information in my credit report. I am a victim of medical identity theft. Someone have obtained medical services using my name. The health record that XXXX maintains about me is include information that is wrong and actually about someone else. I have contacted XXXX and they have removed that information. I am working to identify the effects of the medical identity theft and remove inaccurate information from my file. I have reported the problem to the police, filed an ftc identity theft report and mailed copies of my ID and SSN to Equifax fraud dept. When i tried to get in touch with someone over the phone about my problem, I was only convinced to buy a monitoring product that will resolve my problem. Equifax recently updated the account as verified. After receiving and reviewing the results of recent disputes sent to you. 

I have contacted XXXX again and they do not have record of any debt.So i am not sure what method Equifax is using to validate the debt. It seem they just want to give me the run around. I have file a police report and FTC identity theft report and did n't have any issue removing it from other credit bureau. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information
Product: Vehicle loan or lease

I have checked my XXXX and XXXX credit reports. I have noticed that the account with Santander regarding a car loan still reflects a balance for {$12000.00}. But this amount was charged off.
Product: Student loan

I find it criminal how payments are handled. I graduated in XX/XX/2010and starting paying back the loans upon graduation as required. I have been using the Autopay system and often pay more than owed ( for example, paying {$140.00} instead of {$86.00} monthly ). My original loan was for {$7500.00}. According to my most recent statement, I have paid {$4200.00} towards my principal from the start date of my loan and {$3400.00} in interest since the start date of my loan. After fees ( {$13.00} XXXX for an unknown reason, I have now paid {$7700.00} yet I still currently owe {$4900.00}. Nelnet, along with other loan companies such as XXXX, have made it nearly impossible for me to survive. I find it unacceptable how payments are applied ( primarily to seemingly unending interest ) so that I will be paying on this loan for another 10+ years when I have already been paying faithfully every month for 8 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not my credit card I have reported multiple times regarding this account and XXXX XXXX keeps telling me it is mine because they are tracing it to me and someone making payments to the account. I never had accounts with XXXX XXXX nor any accounts with XXXX XXXX  where the payments came from. I am a victim of identity theft and attached you will find the police report. thank you
Product: Mortgage

The servicer has refused to pay for the home policy renewal of {$800.00}. The servicer XXXX claims that they did not recieve the policy renewal. 

On XX/XX/XXXX the Insurance Company, XXXX XXXX, cancelled the coverage. I called the company and they claimed to have sent the policy twice. They recommended waiting a few days to see if the check came. 

On XX/XX/XXXX I recieved notice that the Lein holder, HancockWhitney, was going to purchase insurance if they policy was not renewed. 

On XX/XX/XXXX I contacted the servicer, XXXX, and talked with a customer representative. The representative gave me instructions on how to email the policy to her ( put her name XXXX and loan # in the subject line ). 

On XX/XX/XXXX I sent two emails to XXXX with all materials needed to pay the policy renewal. 

On XX/XX/XXXX the insuror, XXXX XXXX, notified my that payment had not been sent. 

On XXXX XXXX I tried to contact the servicer, XXXX XXXX, and waited on hold for 87 minutes. I never got to speak to a representative. 

On XX/XX/XXXX I sent a fax with the information to the servicer at : XXXX. The fax was rejected. 

There is no way to contact the servicer and they are not paying the policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), NAVIENT, and US DEP ED. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), NAVIENT, and US DEP ED with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

I submitted a complaint through CFPB last month regarding a late payment listed on my credit report. I received a response from capital one that their records show that there are NO late payments on my account ( see attachment ). 

However, on my report, you can see that XXXX is showing a 30 day late payment on my record. ( Also attached )
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This debt collector keeps contacting me regarding a debt that does not belong to me. They also keep adding interest to this debt. I sent them a certified letter on XXXX XX/XX/XXXX to the address that they provided me with in an email sent on XX/XX/XXXX asking them for the following information : XXXX. Creditor 's name and full address XXXX. Name of debtor of record XXXX. Full account number of debt XXXX. Amount of debt XXXX. Due date of debt XXXX. Original charge off or delinquency date XXXX. Explanation of how the debt was calculated XXXX. Name of collection agency or owner of debt, if applicable XXXX. Evidence that the debt is within the State 's applicable statute of limitation XXXX. Amount paid if debt was purchased XXXX. Completed and executed agreement, including signature pages, for the debt
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I received good customer service from banker at a local branch of Fifth Third Bank however, I learned I was given an unauthorized hard inquiry which may have unintentional for the representative as far as I perceived the situation. After being told that hard inquiries are not given when applying for secured credit cards. I made known to the banker that I did not want to apply if a hard inquiry was going to be the result for me all while explaining that I used to have a secured credit card due to it being closed down. I was told by the banker that it will not affect your credit score and that it will only be a soft inquiry. I was told that I have enough funds to start it. I signed up with my own secured funds and was not only denied but I was told that my salary was too low and that if I reapply ; receiving a 2nd hard inquiry, and increase my salary in the application ( falsifying my salary ) I would then be approved. This transaction is unauthorized, not transparent, and I believe that the employee was not well trained per my special circumstance to give proper information to me as a customer.
Product: Credit reporting or other personal consumer reports

There are inquiries i dont recognize that i need removed immediatley. 

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
Product: Payday loan, title loan, personal loan, or advance loan

Sezzle charged my mothers card thats on the account ( we use together ) this card is not set for down payments or scheduled payments. They will not allow me to remove it. ( Attached ) is this legal for them to charge a card thats not scheduled for payments and blocking me from removing the card? 

I reached out to Sezzle about charging my account a {$15.00} late fee. ( This is the second time now ) the scheduled missed payment was {$16.00}, the company charged me a {$15.00} late fee attached with {$5.00} failed payment fee. I asked them about this, representative XXXX didnt answer my question, I re-asked in hopes to understand why is it that I was charged a {$15.00} late fee when their website states late fees are capped at 25 % of the order amount. XXXX then went offline and wiped the conversation. ( i took XXXX screenshots before they were deleted, attached ) I continued to try and get help, answers on this. Ignored. Now, Im asking for you help.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my credit report. please remove these accounts from my report they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason I am requesting an investigation by your agency is due to TransUnion Consumer Service department would not help and take care of the negative inquiries reporting to my credit report.

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX XXXX XXXX XXXX 6.XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Ensuring payments are consistently made on time for this account has been a priority, never allowing them to exceed the due date. I'm uncertain about the reasons behind the presence of late payment remarks on my accounts. With reference to 15 USC 1666b, billing errors should be addressed promptly.
Product: Student loan

Contacted Navient for release of co-signor. XXXX times they denied my application without any justification. Pressured the co-signor to continue making payments. It should be noted this private loan was XXXX. Started making payments. Now, fraudulent company, calling itself Navient XXXX XXXX & XXXX has been contacting co-signor and pressuring him for payments. Today, I called them and told them cease and desist, spoke to XXXX XXXX. Please have your investigators contact this fruadulent company. My co-signor is elderly and this is very XXXX  on him