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

Equifax continues to provide an incorrect address on my credit report. There's two addresses on my report from XX/XX/2017, one in GA and the other in UT. All of my other addresses are in GA and the UT address is false. Regardless, I'm not sure how Equifax is claiming I lived in two places at once. My identity was stolen because of their relaxed security procedures and now it's like fighting an uphill battle to get them to even report accurate information. I've submitted multiple disputes to the company to no avail. I've attached below screenshots of emails from my apartment complex in XX/XX/2017 in XXXX, GA as well as my bank statement from XX/XX/2017 showing my address as XXXX, GA and the rent payment I made to the apartment complex that month.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX account number ( XXXX ) due to incorrect of unverified information. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as if it's affecting my changes of getting a ( house, car, etc ). Experian violates my rights as a consumer, as well as federal laws.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 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 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 XXXX  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

XX/XX/2019 I got to XXXX in desperate need of a car. My previous car has died. I'm working full time in the steel mill, my credit is bad, i have 4 judgements against me and am trying to just survive. The XXXX associate helps me find something that would work in my budget. He tells me not to worry about financing that he will help me out. XXXX doesn't do a verification check, an employee check, a credit check to my knowledge and gives me a loan. At the time I'm very grateful to have a car and hopefully I can double up on my payments to eliminate the insane APR. 

Fast forward a few months I have to take leave from work for XXXX XXXX, I come back from that and am laid off. I communicate this with XXXX and they say not to worry they will just add extra payments onto the end of the loan and my loan will always be current. I miss 5 of 6 months but am assured it will be backdated and everything will be fine. I never check my credit report I wish I had. 

In XXXX of last year I learn of a 35 state class action settlement for predatory lending, practices for XXXX that includes my loan, the time period of my loan. I reach out to Indiana Attorney Generals office to get the consent judgment, file a request for it and wait until XXXX. 

XXXX does not comply with what the judgment says. Does not delete the tradeline or correct the improper reporting on any of the credit agencies as they agreed to in the agreement. They claim that I am not part of this settlement. 

I want XXXX to take responsibility for this like they agreed to. I am grateful they gave me a loan in a tremendous time of need but that does not mean it wasn't predatory : Credit score under XXXX 4 Judgements Bad payment history No income verification 17 % APR on the loan Extended, though not defaulting the loan when 5 of 6 months were missed I wouldn't lend to me at that time. Fortunately my life has changed tremendously over the past 2 years. All of that negative stuff above is all but gone. I've corrected my life and have been healthy. My partner and I are trying to buy our first house and this XXXX tradeline has been a huge stain. It's not accurate. They lied, then settled with these states and didn't do what they said they would in the judgement. 

I'm asking the CFPB to please investigate this, reach out to Santander and fix what is wrong. I'm not the only person this has effected this is widespread which is clearly indicated about their predatory nature in the 35 state judgement. 

I'm attaching my requests with the AG of Indiana 's office and the Judgement
Product: Credit reporting, credit repair services, or other personal consumer reports

After Checking my Experian credit report online, I checked under my closed accounts to look at potentially negative items on my credit report. I have a closed account with XXXX and said account was included in my bankruptcy in XXXX. To help locate the XXXX account, the highest balance that I ever carried on that account was {$4500.00}. After reviewing the closed account on my Experian credit file, and looking at the payment history of said account, I realized that there was a " N '' notation or " negative '' listed under XX/XX/XXXX payment history. This account was closed years ago. In addition, Experian states that this account will remain on record until XX/XX/XXXX. However, XXXX will remove the account from my credit report in XX/XX/XXXX. The information that Experian and XXXX have on my credit report is not correct. I filed a dispute with Experian to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a breach of security compromising my information along with 150 million others. I failed to receive a notice at all and found out via social media and upon checking found my information to be compromised almost a month after the security breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 loan servicing companies  XXXX  and   XXXX   XXXX   stating I owe loan. I contact   XXXX   and they insist that I owed them a {$4000.00} loan. I have never made any payment to  XXXX .   XXXX    states I have made 4 payments that I never have. I have reached out to University of   XXXX   XXXX   and there is only 1 loan. I have been making payment to   XXXX   XXXX   since 2013 only to find out they never sent any funds to the University of   XXXX   XXXX  .   XXXX   XXXX   has put a charge off on my account and refuses to address the funds they owe me. Both companies   XXXX   and   XXXX   XXXX   are sending promissory notes to credit bureau. I have sent police report, identity thief report and information from University and no one will communicate with the University of   XXXX   XXXX  .  XXXX  is now saying that my loans were in school status and that is why they have not collected, than I was told that the Loan was not sold to   XXXX   XXXX  .   XXXX   XXXX   say the loan has always been with them. The credit reporting company   XXXX   XXXX   is not doing their investigation and allowing these companies to destroy my credit. The loan that was sent to the University of   XXXX   XXXX   neither companies have presented that loan lnumber.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  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

There incorrect information on my credit report that I have repeatedly tried to correct, and the reporting agencies and auto loan companies continue to give me the run around. Spoke to a representative from TD Autofinance named XXXX XXXX on XX/XX/2021 at XXXX and that was the last straw.
Product: Money transfer, virtual currency, or money service

In adequate support, support services had not define a clear path to resolving the problem. It will be 3 weeks without access to XXXX in order to make timely payments and transfers
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX a person loan was paid off with XXXX for the amount of {$2700.00}. Then on XX/XX/scrub>XXXX, an interest in the amount of {$0.00} was charged to the account, and it was paid using internal accounts. On XX/XX/year>, the account was flagged on my credit report as being delinquent with a balance of {$0.00}. I have requested them to remove this from my account, but have not received any information stating they will do so. 

Also, when I went to make payment, there was a {$5.00} fee. I wanted to pay off the balance in XXXX transaction, but there is a {$1500.00} limit per transaction, so I had to make XXXX payments with fees totaling {$15.00} instead. The online banking is unusable, with payments being submitted not going through multiple times. This is a predatory business practice, with payments from external accounts being charged multiple times and no credit being received. 

I want this XXXX balance account to be taken off my credit report. I also am requesting that XXXX reconfigure their online banking service or provide an alternative way to make a payment.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid for a ticket for my mom to go to my aunts funeral when it was time for my mom to check in with XXXX XXXX they told my mother that they cancelled her flight do to her XX/XX/XXXX type and that I would have to contact my back to get the charged reversed so I did on XX/XX/XXXX on the chime app I submitted all documentation and they said that my dispute would be completed XX/XX/2021 at XXXX  that didnt happen so I contacted chime on XX/XX/XXXX through the app and got no response so I called them directly and they said yes its past the 90days for my dispute and they would have to escalate the problem and that I would hear back to them on XX/XX/XXXX and still no response so I called the same day and they said that I would have to wait til the next day which was now XX/XX/2021 and no response.
Product: Credit reporting or other personal consumer reports

Equifax has violated so many of my rights when it comes to credit reporting. I have DISPUTED WITH EQUIFAX ABOUT XXXX. They so called properly investigate which I know they do not because they update the same inaccurate information. I have disputed so many times letting them know the are reporting charge off monthly EACH MONTH! Charge offs are not reported monthly they are only reported ONCE. Equifax had violated my consumer rights so many times after updated disputes. I provided information and proof that XXXX  is reporting inaccurate and they still update the wrong information. Thats one reason they are violating my rights. Another one is FCRA 15 USC Code 1681B- PERMISSIBLE PURPOSE- Permissible purpose under this law they have to provide evidence WRITTEN instruction of me authorizing them to report to my credit. WHICH THEY DID NOT GET THAT INFORMATION. Another reason is 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). THEY HAVE NOT REPORTED ACCURATE INFORMATION AND I ALSO REQUESTED FOR THAT XXXX  ACCOUNT TO BE REMOVED BECAUSE OF REPORTING INACCURATE INFORMATION NUMEROUS TIMES. THE CHARGE OFF AND EACH TIME IT CHARGES OFF IT DRAGS THE LIMITATIONS OF THE DEBT. 15 USC 1681 SECTION 604 A SECTION 2- Stated a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B- A creditor may not not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Equifax has violated that right so many times. It is given off inaccurate information when I apply for things and cant apply for things because of the reporting. I AM tired of having to express and stretch the inaccuracy of this reporting and what I find and they lie and say they investigate properly which is not true because it would not be the same. It would have been removed as I requested ABOUT FIVE TIMES ALREADY. Below I will attach the proof of inaccuracy once again, followed by the showing of them stating its staying on my credit and they have updated and found it was accurate which is not thats how I know they are not investigating it, Equifax needs to do better when it comes to inaccurate reporting. They are still reporting informations that has been deleted only credit report from other bureaus this is actually the lowest score reporting because they are not updating like the other two bureaus. I will provide thats information below as well of how the charge offs are still reporting in 2024 and thats a one time thing! To show you its not just synchrony Equifax is not investigating correctly. I will list bellow the accounts this reporting balances..thats an inaccuracy and I disputed these account as well and cfpb complained as well because of the inaccuracy.
Product: Debt collection

According to 15 use 1692c ( c ) Communication with the consumer generallyWithout the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. reporting this on my credit report is a form of communication along with the continuous mail and phone calls
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft )
Product: Mortgage

This complaint stems from a previous complaint filed against US Bank, complaint # XXXX. US Bank froze our line of credit due to a subordination agreement on a refinance that was not closed on. Due to our complaint, US Bank contacted us stating if we provide a letter from the closing company that the subordination agreement was not enforced nor recorded, that they would lift the freeze. We, in accordance to what they requested, provided the letter to US Bank from the closing company, but the freeze still remains in place. Furthermore, we were not given direct contact information for the person handling our complaint, thus rendering us incapable of directly communicating with anyone who directly knows what is going on with this situation.
Product: Debt collection

This was my daughters phone not mine. Her name is XXXX XXXX and it should go on her record not mine
Product: Debt collection

I never did business with this company and never did I sign into any business 's agreement with them to report anything on my credit report and I also looked this collection company up and they are not even licensed and bonded in the state I live in to attempt to collect on this debt that I have no knowledge of,,, as a consumer this is a violation of my rights
Product: Mortgage

On XX/XX/18 I made my regular online payment and selected from the online box provided, labeled " additional principle payments '' for an additional principle amount to be made in the amount of {$100.00}, in addition to my regular monthly payment due. The additional principle amount was not applied to additional principle as I selected but applied to unapplied funds account. I caught this later days after making the payment and called Mr. Cooper to get that error corrected. The next month, XX/XX/XXXX, the exact thing happened. This time with a {$50.00} additional principle payment ( Mr. Cooper applied to unapplied funds account and NOT additional principle as directed ). I called and was assured this would not happen again and the issue was taken care of. The next month, XX/XX/18, I made an additional principle payment amount of {$300.00} and the payment was allocated properly. On XX/XX/18 I made my regular payment and again directed another amount ( {$9100.00} ) to be applied toward additional principle. I send an online message confirming that it would allocated properly since I've had a history of issues with the additional principle payment NOT being properly allocated. This is the secure message I sent : " Please make sure the additional principle payment I made today gets allocated properly and is credited into additional principle. Please confirm. '' They then took it upon themselves to reverse both payments I made and apply the entire payment ( both the regular monthly payment and additional principle amount ) into the ONLY principle amount. I checked the account XX/XX/18 to find that my payment was reversed showing that the regular payment was not made and that the payment would be late soon in 2 days as a result of this careless error. You can plainly see that no where in my message did I direct that my regular monthly payment and the additional principle payment be added together and applied totally to additional principle only. I talked to a manager on XX/XX/18 who said that it would take 24 hours for my regular monthly payment to post and I would not be late. Here are the reference ID 's they gave for my call on XX/XX/18 : XXXX ( that is an employee ID ) and ID : XXXX. They should have immediately posted this payment the correct way, not give me 2 conflicting times when they thought that someone might get around to correcting the error ; 24 hours and 2 business days. Their stance was that I directed them to reverse the payment in my secure message to them following my regular monthly payment and additional principle payment on XX/XX/18 which I clearly did not. Furthermore if they were confused, which they clearly have a history of, they should of contacted me for clarification.
Product: Mortgage

Turned down twice in XXXX and XXXX by Wells Fargo for extension of current HELOC - variable/prime ( now at limit ( $ XXXX, since XXXX, or new HELOC. First mortgage paid off in XXXX. I have credit score over XXXX and equity in condo of over {$160000.00} XXXX I will be XXXX next month, and am living alone. My average annual income since retirement in XXXX is XXXX {$XXXX}. WF turned me down twice, explaining ( XXXX ) they are at the mercy of government regulations concerning ratio of income to credit exposure. Income is composed of about half fixed benefits, ( pensions and SS ), and half from IRA distributions from XXXX IRA, now at a level of {$XXXX}. Reasons for loan extension request of {$XXXX} is to replace IRA distributions for 2 year period ( XXXX & XXXX ). I want to reduce taxable income for that time, and finance repairs and improvements to home in preparation for sale and likely future retirement living in a group facility.
Product: Money transfer, virtual currency, or money service

First American Title Insurance Company has conducted a transaction on my property XXXX XXXX XXXX, XXXX, Pa XXXX without " permissible purpose. '' I, XXXX XXXX do not have a contractual agreement with this company to execute any transactions on my behalf. I requested documents of affiliation and this company responded stating they are missing documents in there file referencing the following : " Signed Final HUD/Closing Disclosure, Title Commitment/Prelim, Vesting Deed/Warranty Deed, Recorded Security Instrument and in order for me to receive information of a policy agreement I must furnish documentation to them.
Product: Mortgage

My loan was assumed by Mr. Cooper mortgage at the end of XXXX. I have an escrow account but my taxes were not paid. Upon inquiry, I found out that they had paid the wrong account, my neighbors taxes, instead of mine. I tried to resolve this starting in early XXXX when i discovered the issue. I emailed my correct information and tax bill to the address they requested. They again paid the same wrong account several times, and I went back and forth with them until they finally paid it correctly in XXXX of XXXX. The taxes they are incorrectly paying are twice as much as mine, In the meantime, my escrow is overcharged, resulting in my mortgage payments being overcharged as well. I thought it was resolved when they were finally paid correctly in XX/XX/XXXX. 

In XX/XX/XXXX, they again paid the wrong amount to the same wrong tax parcel number. I have emailed once again the correct info on XX/XX/XXXX to correct this, with no success. The escrow amount is still wrong and they have paid the wrong taxes which were returned to them. The taxes they are paying to the wrong account are twice as much as mine, so in the meantime, my taxes are unpaid and accruing extra charges and my esrow account is being overcharged. 

It is next to impossible to reach anyone by phone to resolve this, and the chat option is useless. I chatted with them today, XX/XX/XXXX to let them know it has still not been corrected.They keep telling me to sent the correct info and that it will be resolved in XXXX days, which i have already done repeatedly. it has now been over a year that they have given me this same response. I need this resolved. Its a simple matter of one unique tax parcel number and one tax amount that has to be paid, and they have all the info but refuse to correct it. 
I would appreciate any help you can offer as this is costing me extra money every month.Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found inaccuracies in my personal information on my credit report. I have already reached out to the credit bureaus to remove the inaccurate information and they have not replied with status of the investigation or any other update. Per, 15 USC Subchapter III 1681 ( i ), the credit bureaus are to let me know within 5 business days that they are investigating the inaccuracies. Below are the inaccuracies that are to be removed : Names XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  Date of birth : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, CA XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Employers : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX XXXX