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

I had a loan with XXXX XXXX. When I became a victim of identity theft I called them and told them to update my personal information and to remove my email from the account so that the person who stole my account would not be able to access the account any longer. They told me they could not and continued to send my account information to the stolen email account. I refused to pay and they sold the loan to another company. I paid that company off because they were able to secure my personal information. I called XXXX XXXX to have them correct my information by sending them the " paid in full '' notification from the company they sold this debt to. They refused. 
XXXX XXXX sold this debt but still report it as a charge-off. I am being penalized twice despite having paid off the debt. They are an online company and are unable or unwilling to ensure that their customer 's information is secure.
Product: Credit reporting or other personal consumer reports

XX/XX/year> - I called in to get information on when I needed to pay off my account before interest accrued. I paid off the amount the XXXX XXXX employee gave me to avoid interest. However, this information was incorrect and the extra interest was added to my account which caused a delay in payment. 
XX/XX/year>- I called XXXX XXXX again informing them of the issue with the balance owed because of the interest that was added. I was told this would be resolved and my payment wasn't due for another 19 days. 
XX/XX/year> - I was connected with a Case Specialist via email and was given a resolution timeframe of on or before XX/XX/XXXX which was 3 days before my payment was due. 
They did not provide a proper resolution in the given timeframe which led to the late payment. 
XX/XX/year> - a 30 day late payment appears on my account XX/XX/year> - I reached out again and was assigned to a Case Specialist on XX/XX/XXXX and given a resolution timeframe of on or before XX/XX/XXXX. 
XX/XX/year> - They responded saying they need more time. 
XX/XX/year> - They provided a resolution and XXXX XXXX agreed to remove the extra interest charges and the associated late payment fee. However, despite these adjustments, the late payment still remains on my credit report. 

This lingering record of late payment continues to jeopardize my credit standing, despite the fact that the initial error was due to misinformation provided by XXXX XXXX staff.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the fraudulent account currently appearing on my credit report. Despite providing the required documentation to the Federal Trade Commission ( FTC ) as requested, this account is still listed on my report which I had previously sent request to dispute this account XXXX XXXX XXXX XXXX XXXX 

I have contacted the creditors associated with this account, and they have acknowledged the fraudulent nature of this account and assured me they would be removed. I have also provided the necessary documentation to support my claim. Additionally, XXXX and XXXX have already removed this account, and I expect you to do the same. 

I demand that this fraudulent account be removed from my credit report immediately. The creditors have agreed to remove it, and it is unacceptable that they continue to be reported. Thank you for your prompt attention to this matter. I expect a resolution within 30 days, as required by the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

Back on XX/XX/XXXX I filed a complaint through CFPB : XXXX. The Mortgage company is United Wholesale Mortgage ( UWM ) and the loan # is XXXX XXXX XXXX XXXX. The complaint was closed and I thought that the problem was resolved, but it wasn't. 

In XX/XX/XXXX, I was enrolled in a forebarence plan for 3 month because I had a hardship, I was making less money at my job and I struggled with my finances. Then the forbearance was extended 3 more months, and someone at UWM without my authorization ended my forbearance 5 months after XXXX, that meant that I needed to pay 5 months of missed payments and I needed to pay XXXX 's bill ( payment 6 ). With the help of CFPD, they extended the forbearance for 7 more months, a total of 12 months, from XX/XX/XXXX through XX/XX/XXXX, so that was great. But now after speaking with them to make next month 's payment XXXX XXXX, XXXX ) the want me to also pay a little more than {$22000.00} for the missed payments from XX/XX/XXXX through XX/XX/XXXX. I asked them to deferred the 7 missed payments because I don't have that money now, and they told me that they can't do it because they can only do a deferment once. They should defer the 7 missed payments because it was their mistake, they were the one that terminated the forbearance after only 5 months and deferred the first 5 missed payments. I asked to speak to someone that could fine a solution to the problem, and they made me write a email, because they don't accept phone calls, but no one has reached out to me yet. 

I have attached all the information that UWM sent to close the first complaint.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX which is a high interest loan is not updating my credit report in a timely manner. I paid the loan off in full on XX/XX/21. My credit report shows that I still owe {$2500.00} and that my last payment was made on XX/XX/21 ( 2 months ago. ) I've asked them to correct and they've advised me it should be corrected sometime in XXXX. By the way, the interest rate was 99.20 %. For that premium rate they could at least report to the credit bureaus in real time.
Product: Mortgage

My complaint was on mortgage FRAUD. XXXX XXXX XXXX for some reason S.P.S. answers it but they can't answer Mortgage fraud. I've called and spoke to someone on phone sent in the document several times. Was referred from team Trump. I get the same response every time or XXXX XXXX dose not respond. My name is XXXX XXXX XXXX XXXX XXXX. I don't want to waste your time or mine. If you can't look in to mortgage fraud.
Product: Credit reporting or other personal consumer reports

In my Experian credit report an account appears due that has already been settled in full, please I need you to correct the error because it is affecting my credit health and the account has already been settled as I said before, below in the attached files I send you the data for the settled account
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX5 USC 1681 Sections 602 A States I have right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instruction 15 USC 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 items 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 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I was looking through my credit report the other day on XX/XX/XXXX. I noticed there was 2 inaccurate hard inquiry 's on my file. On XX/XX/XXXX I called each company to see if I had an account with them in anyway they both said no so I asked them why it's there and there customer service reps were basically saying it should be removed however due to corona virus there is nothing we can do at this time. These are the 2 that i never authorized, never gave anyone any permission and is clearly 100 % fraud XXXX hard inquiry from XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX they could not provide any proof that I have any such accounts with them. I asked to see proof nothing was given.
Product: Debt collection

I requested to be placed on do not call list awhile ago. They called me XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act 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: Credit reporting, credit repair services, or other personal consumer reports

customer service department did not help remove the negative inquiries that are reporting on your credit report.
Product: Credit reporting

I initially discovered a collection/debt reported on my credit report. I contacted the creditor/collection agency listed on the debt line at XXXX separate addresses XXXX 2016 via certified mail and also contacted them via telephone to validate that I am the owner of this debt. They advised they are unable to provide any validation for this debt as it has past the statutes of limitation for their ability to continue collection activity. I advised the collection agency this item has not been validated as my debt and should be removed, to date I have not received any debt validation. I then contacted the XXXX credit agencies : XXXX XXXX, Equifax , and XXXX and advised of my unsuccessful pursuit of debt validation from the creditor and the incorrect item should be removed. I also requested that any debt validation provided by the collection agency be provided to me to show that I am the owner of this debt and its debt dates are being reported correctly. Both XXXX XXXX and XXXX investigated the debt and then deleted the item as the collection agency was unable to validate the debt. However Equifax advised the debt was validated but did not provide any validation or documentation. I believe this investigation was never performed by Equifax nor debt validation provided to Equifax by the collection agency. I can provide all certified letters to all credit agencies and collection agency and proof of removal from XXXX XXXX and XXXX upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

MAS financial Services inc. Agreed to delete their credit line off of my credit report. Since then they have deleted it from XXXX and XXXX, XXXX is still showing this report. ive mailed certified dispute letters to Mas Financial Services inc, and since I have received a certified letter from their lawyers, stating that they will delete this tradline from all credit report agencies. I have sent a certified letter to XXXX and disputed this already.
Product: Checking or savings account

I tried to open an account it wont allow me to open a checking or savings
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a dispute with TransUnion over an erroneous listing of bankruptcy filing on my credit report. I contacted my mortgage company and XXXX XXXX XXXX immediately when I found that they had mistakenly moved my accounts into their bankruptcy departments.. The person filing for bankruptcy has the same name and the same last XXXX digits of their SSN as I but whose full SSN and state of residence are different. 
I was told by both companies that the error would be immediately corrected. They both withdraw my standard monthly payments in early XXXX and unfroze my accounts. 
Despite this, TransUnion is reporting in its completed investigative report that my XXXX account is in bankruptcy based upon XXXX 's last update on XX/XX/2020. When I called XXXX XXXX XXXX when I received the report on XX/XX/2020, the company stated that they had updated the correct information on XX/XX/2020. On XX/XX/2020 ( same day ), I called TransUnion with the file/control # that XXXX provides to TransUnion that reflects updated credit information but TransUnion claimed they could not make any changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions over the past 2 years, I have tried without success to write to Experian, XXXX, and XXXX regarding their posting of a public record that is listed without any written or verbal authorization from myself or the US Bankruptcy Court XXXX District of Florida. 

Based on the National Consumer Assistance Plan ( NCAP ) that was put in place by CFPB for all credit bureaus they have violated the requirements of this program with regards to transparency and accurate entries on a consumer credit report. 

I provided a letter signed from the court stating that they do no report any bankruptcy to the credit bureaus yet they continue to post information that was never authorized to be posted on my credit report. There are also incorrect and erroneous entries on the listings shown on my credit report for this bankruptcy which was not corrected and was ignored by the bureaus, demonstrating they violated the NCAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I supplied Experian with the email that confirms that I had autopay in place and that XXXX XXXX is responsible. I have also contacted XXXX XXXX and they have not corrected their error. Experian continues to side with XXXX XXXX because " the company certified the information is accurate '', which is contrary to the evidence I provided.
Product: Checking or savings account

I had  a 5 yr, CD with the Susquehanna Bank   XXXX   branch. Last year the bank was bought out by BBT bank. They changed my CD into a checking account. I never was told that was going to happen and when the statements came in the mail I noticed that the interest posted was much less I called to inquire about the changes. They told me that they had changed my CD was now a checking account. I had never been sent any checks, so again I had no clue this had been done. My former CD was paying around 2.5 % and now I have been getting .80 % I never complained to the bank, but this has been a burning question on my mind as to this was legal. I had signed a 5 yr. contract and I feel they had no right to change the terms. I do n't know how many people got burned by this, but Susquehanna was paying the highest rates in the area. I can not afford to hire a lawyer and I do n't know if this is illegal, but they did break my contract without consent.
Product: Student loan

Original applies for a student loan I believe back in XXXXXXXX  with Sallies mae and out of no where I was being billed and called by XXXX saying that Sallie Mae gave them my loan and for me to pay them from now on. I didnt not agree to Sallie Mae giving them my loan
Product: Credit reporting, credit repair services, or other personal consumer reports

After waiting over 90 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2010, I asked Western Union if it is possible to send money to the XXXX using the Western Union online money transfer service. It is over nine years now, and I still have not received a response. I mentioned the letter in a recent email correspondence with Western Union. Western Union addressed my other concerns, but continued to not respond to my XXXX XX/XX/2010 letter. 

I used a combination of debit and credit cards to send money to family in the XXXX using the Western Union online money transfer service without success. I use these same two cards for daily transactions with no issue.
Product: Student loan

I have federal Student Loans managed by Edfinancial. 

I think it has been about 6+ months that I can not login to my account from any mobile web browser. I always get an error that simply states come back later. Well, 6 months later I still cant get in. 

The chat bot on their website does not let you connect to a person and it gives the same prompted responses, putting you in a loop. 

I have contacted via support via email but get the same thing as the error from the associate answering my request, to comeback later. 

I can only access my account from a desktop/laptop computer.
Product: Credit reporting

I have paid off XXXX derogatory on my report and they are still showing up.I have contacted the issuer of these account 's an they say it is out of there hands since they were sold off to a collection agency
Product: Credit reporting

I had a collection account for XXXX fall off my credit report in XXXX 2015, as of XXXX XXXX 2015 XXXX XXXX. XXXX put it back on my credit report as a new collection and date, My score when dropped went up, now it is back down with only this collection ruining my credit.. 
Thank You
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple written requests for correction, dated XX/XX/year> and XX/XX/year>, Equifax has neglected to address these errors. This lack of response constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account breaches this legal obligation. Additionally, as per 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the due date, which has evidently not been adhered to given the erroneous late payment entries.

TILA Violations : The Truth in Lending Act emphasizes accurate and timely disclosures for consumers. The persistent misreporting of late payments on my account has harmed my creditworthiness, which TILA intends to protect.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditors ' responsibility to deliver timely statements, ensuring consumers are not penalized unfairly. The accounts inaccurate late payment report violates this protection, affecting my financial standing. 
XXXX Action Taken : XXXX has proactively removed the account due to the verified errors in late payment reporting. Despite this corrective action by XXXX, Equifax continues to report inaccuracies. 
Equifax Reporting History : Late Payments Recorded : 30-day late payments in XXXX and XXXX Two-Year Payment History : Consistent " OK '' status reported except for XXXX and XXXX Days Late - 7 Year History : Equifax - 30 days : 2 occurrences This unresolved error impacts my financial reputation and credit score. I formally request the immediate removal of all inaccurate late payment notations from my credit report, as has already been done by XXXX. If the issue persists, I am prepared to escalate my complaint, potentially involving legal action and additional complaints to relevant consumer protection agencies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This is a horrible place to get a car from I had go into a accident and they took over 2 months to fix it an it was only a bummer an when I got it back my head lights wasnt working then I told them something doesnt feel right they tell me Im not covered for that they only could fix whats in my insurance then after that they up my payments saying I was late then they kept calling me an one day I was at work they called me in the mix of that day they called me 5 more time I lost my job that day then they kept telling me idk what to tell u then 4 weeks later they came pick my car up at night when i was sleeping I would never tell no one to go there if I could sue I would an ik the person who did all this
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX charged by PayPal account {$72.00} for a membership. I have never had a paid membership with XXXX and I have no idea how they ever received my Paypal information. I contacted Paypal to dispute the charge. However, Paypal said the charge was valid and if I wanted to dispute it, send a letter to their XXXX, NE dispute /unauthorized access appeal address in which I have written them twice with the last XXXX being on XX/XX/XXXX and still have received no response. To date, they have failed to produce the documentation to substantiate the validity of the charge from XXXX which was fraudulently obtained or tell me how XXXX obtained my Paypal account information, again fraudulently. 
XXXX  has finally sent me an email that they will cancel my membership on XX/XX/XXXX but they are not refunding my money.