23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information..

The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance.

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately.

Before you think to reply that this account has been validated, let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. 
Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Mortgage

DiTech XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX My mortgage is with DiTech, serviced by GreenTree. I received a call at work from them in XX/XX/XXXX that my account was 60-days past due. The customer service representative was extremely rude. I attempted to ensure her that I had made my payments without success. When I got home and checked my statements, they showed all my payments and my account current. When I called back the next day, a different customer service person found that DiTech had a computer upgrade earlier in the year and some payments were not being credited to the proper accounts. I even showed her where an erroneous payment had been credited to my account. They removed the erroneous payment that day. It has now been approx thirty days and I continue to get statements/documentation that my account is overdue. I had my bank confirm the XX/XX/XXXX payment ( due XXXX XXXX, DiTech received it XXXX XXXX ), but DiTech is not crediting it to my account. They have posted to my credit report that my account is past due. DiTech said they would send a correction, but the item is still in my credit report. I asked for documentation of the credit report correction, but have received none. My job requires financial responsibility. DiTech 's inability to accurately process my payments and negligence in correcting their mistakes will cause difficulties for me now and later. Every time I talk to the DiTech CSR, I am assured that they are working the problem and that my account is current. Yet they continue to take actions as though my account was overdue. I have lost time at work to try and correct this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting late payments when its suppose to be in payment driven program because Im not working. They failed to correct my information
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

global lending services date opened XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XXXX {$0.00} date opened XX/XX/XXXX XXXX XXXX  {$62.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I continue to hound EXPERIAN to correct information on my report and to provide their XXXX score being used to determine credit scores. That data was specifically cited for recent loan denials and extremely high interest rates up to 12.99 % apr for new car loans. 
They drop my XXXX score daily without explanation while my FICO scores and Credit scores with my banking and credit institutions rise almost daily and are as high as XXXX. 

They have received multiple request to provide a free FICO score to no avail. Instead, the only option they offer for that data is to purchase it as a bundle to get all 3.

Federal law requires they provide that for free if it was used in a determination resulting in a negative result. 

And finally, they offer a Credit BOOST Program they applied 3 erroneous accounts to in lieu of what they include under their own policy!
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XXXX XXXX XXXX XXXX OPENED XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 
OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX SERVICES OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I Looked over all of my credit reports and noticed some fraudulent accounts on each report. Please remove these accounts from each report because it is effecting my ability to have stable credit.
Product: Debt collection

I called portfolio recovery associates on XX/XX/year> and requested the amount owed on the collection account they have for my credit report. They informed me of the amount and I asked how much it would be to be paid in full and removed from my credit report. They informed me it would be {$690.00} for that to happen. So I made the payment in full with my debit card ending is XXXX and the confirmation number they gave me for the transaction is XXXX. The next update on my credit report now shows they updated the amount owed to be {$230.00}. Please get the phone call since it was recorded and see for yourself. They need to be banned as a company for doing illegal practice like this.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an outdated and inaccurately reported account that has surfaced on my credit report. This matter is of utmost gravity as it directly implicates violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), and may warrant further legal action. 

Upon thorough examination, I have identified an installment account, labeled as XXXXDept of ED Loan , with a purported amount of {$2000.00}, which does not accurately reflect my current financial status. This discrepancy extends throughout my entire credit profile, encompassing inaccuracies in Account Numbers and the surreptitious concealment of pertinent account details. I have multiple pieces of evidence to substantiate my claim. Therefore, this shall be rectified immediately. I have a personal attorney ready and compliant for legal proceedings.

**Disputed Account Information : ** - **Account Name : ** XXXX/Dept of ED Loan - **Amount : ** {$2000.00} Furthermore, the reported last day of activity on this account does not align with the actual date of my last payment, presenting a clear distortion of my credit history. These disparities have been meticulously documented across all credit bureaus and shall serve as compelling evidence as I pursue corrective measures to rectify the inaccuracies within my credit report. 

It is imperative to underscore that the mislabeling of accounts, such as incorrectly designating an account as " paid as agreed '' when it was not, or inaccurately labeling another as " deferred, '' constitutes severe violations of consumer protection laws, particularly the FCRA. 

I hereby demand your immediate attention to this matter and expect a swift resolution in full accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. As mandated by FCRA regulations, I insist on receiving a response within 10 days from the date of this correspondence. Failure to expeditiously address and rectify these egregious inaccuracies will compel me to pursue all necessary legal recourse against the credit bureau.
Product: Checking or savings account

In XXXX of this year I received a checking account statement from Bank of America, which I did not open. I called and informed them of the fraud and was assured it would be closed. ( I immediately reported the identity theft to the FTC. ) In XXXX I received another checking account statement, I again called and informed BofA of the fraud. In XXXX I received a threatening letter saying I was going to be reported the XXXX XXXX and XXXX XXXX XXXX and would not be able to establish a future banking relationship for five years, as I had not presented them with proper identification!!!! I called them again. Next day I received another checking statement!! My credit score has tanked and they will NOT listen. They obviously opened the account sans any form of ID. How disturbing is that?
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS REPORTING ON AN ALLEGED DEBT FROM XXXX XXXX XXXX, THIS DEBT HAS BEEN " CHARGED OFF '' AND THIS IS THE XXXX MYSTERY THE BANKS WILL NEVER TELL THIER SECRET!!! THEY GET PAID BY THE UNITED STATES TREASURY FOR ALL DEBTS, ITS BEEN THAT WAY SINCE XXXX!!! IVE ASKED AND DEMANDED PROOF OF THE ORIGINAL INSTRUMENT OF INDEBTEDNESS FROM XXXX XXXX XXXX AND THEY CAN NOT PROVIDE IT, BECAUSE THEY TURNED IT IN TO THE UNITED STATES TREASURY,!!!!! TRANSUNION COMMITS FRAUD BY REPORTING SOMETHING THAT IS NOT VALID!!! SINCE NOBODY CAN PROVE WHAT AND WHERE WAS " CHARGED OFF '' ITS ALL A GAME!!! AND ITS GROSS FRAUD!!! CEASE AND DESIST AT ONCE!!!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, I had Three late payments on an account XXXX XXXXXXXX that I was in fact paid on time. 

The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates : Equifax is missing XX/XX/2022 late payment and shows an additional late payment for XX/XX/2022 compared to othersThe Two-Year Payment History have discrepancies suggest inconsistencies in the reporting of account details among the three credit bureaus. I'm now requesting you investigate this account and update these payments to paid on time immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to login to Transunion 's online dispute portal. I have encountered two error messages and a page that requires my waiver of rights before I'm able to view the results of dispute, of which there is none after logging in. 

Transunion appears to be retaliating against my family after my wife, an account holder on my XXXX XXXX credit card, submitted a dispute for the amount of the credit card. The credit card had been paid in full and Transunion was taking weeks to update the balance. Transunion negated her credit score which reflected her as still establishing credit when her score was XXXX. We battled weeks with Transunion to get them to report correctly after XXXX XXXX had sent them new reports reflecting a XXXX balance. Transunion stated it could take 60 days. 

Now I am unable to submit a dispute online? I have screen shots showing the difficulties I've encountered : It should not be this difficult to simply access the dispute process. This is more than just poor design, this is either incompetence or retaliation. At this point it seems Transunion is retaliating against my wife and I for simply trying to improve our scores so we can make a motorhome purchase. Transunion has made this process extremely difficult and wasted days of our time trying to resolve this matter so we can get to the next step.
Product: Student loan

I have asked that all correspondence be by mail. Pioneer Credit calls multiple times a day to myself and numerous family members. 
They are now engaging in deceptive practices of making false representations by somehow displaying my family names on the caller id in place of their phone number. This is harassing and intimidating uncalled for actions on the part of Pioneer Credit.
Product: Student loan

I, XXXX XXXX, applied for student loan forgiveness months ago through the XXXX XXXX XXXX XXXX ( PSLF ) Program. The deadline to submit the app is XX/XX/22. Per Mohela 's phone recording, I never submitted an application nor do I have any student loans! I called and called and called and have been on hold for hours and then Mohela disconnects the call. It seems that they aren't taking any incoming calls at all anymore despite getting a very hefty government contract to manage this program. 

Mohela is supposed to provide a basic service and hopefully some decency in this process. I've even tried to send a secure message via XXXX- it says to call. I call- it says my call can't be answered. I try to DM via XXXX, but they XXXX their messaging. I've also DM 'd on XXXX no response! What am I supposed to do to get in contact with them to actualize my application and to just make sure it's even received? Mohela is systematically blocking access to this program, which XXXX XXXX put in place to make accessible to those of us who qualify, but we, the public servants, who dedicated our lives to serving our communities are denied qualifying for programs because of organizations like Mohela who work to block access. We as a society have been traumatized enough and dangling these programs without actually proving accessibility to them until after the deadline should be criminal.
Product: Debt collection

I received a notice from Rubin and Rothman LLC stating that I owe an alleged debt to XXXX, XXXX  aka XXXX, I replied to Rubin and Rothman LLC as shown in the attachments I have included with this complaint. Robin and Rothman LLC did not reply to my request but they did violate me by improperly serving me a " SMALL CLAIMS WRIT AND NOTICE OF SUIT ''. See attachments.
Product: Bank account or service

I wired {$2200.00} into my account at First Bank Puerto Rico on XX/XX/2017. As of today, XX/XX/2017, it has not been credited or returned. I have made numerous telephone calls and emails to the bank but have been ignored. When I do speak with them, they are dishonest and disingenuous, claiming that it is " illegal '' for them to speak with me. It is illegal for the bank to convert my money and not return it to me.
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 XXXX XXXX XXXX. 

XXXX XXXXXXXX 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 A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 XXXX. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are reporting on my credit report and they are inaccurate and do not belong to me. I've disputed XXXX XXXX & XXXX in the past and these accounts were deleted from my report for fraud, and they are back on my report again! These negative inaccurate accounts are hindering my score and not reflecting my true credit worthiness these accounts need to be deleted expeditiously
Product: Credit card or prepaid card

Somebody took a credit card out in my name ( Barclays ). I did not sign up for this card. I put a freeze on it but I can not cancel the card.
Product: Credit reporting or other personal consumer reports

I have addresses on my credit report that do not belong to me. I would like them to be removed. I updated my driving license with my current address and my Social Security number for your records. Also, I have different spellings of my name on my credit report that I would like to be removed. Because that is not the correct spelling of my name my Washington state driver license have the correct spelling of my name. Please update that information that I provided to you. I also sent certified mail explaining this situation months ago.
Product: Credit reporting or other personal consumer reports

On XX/XX/24, I received a credit alert from my bank that my Equifax credit score changed. Since I pay monthly for credit monitoring with Equifax, I logged into the Equifax member website to check my credit score. To my surprise, my credit score dropped a devastating XXXX points overnight from XXXX to XXXX!! 

I reviewed my credit report and no changes had taken place, no new accounts, no new inquiries and I had received no alerts from Equifax 's credit monitoring service. There is absolutely no derogatory information on my Equifax credit report or any new actions that would warrant an XXXX decrease in my credit score. 

I called Equifax and spoke with a representative who also reviewed my credit report and felt the XXXX point drop in my credit score was unjustified by any data that is actually on my credit report. The representative advised she was escalating the matter to management and read her report back to me which included all details. She advised I should hear from a manager within 24-48 hours and to date, I have not heard from anyone since my call with her this month. 

This has happened on more than XXXX occasion with Equifax and they are unable to justify it. I am concerned about possible racial profiling whereby Equifax may very well have an algorithm set that intermittently, unjustifiable and illegally issues a subpar credit score to non-white Americans. Either way, there is something going on with my account which Equifax has not corrected to ensure this error does not continue to happen and impede my chances to obtain additional credit on terms that my credit history warrants.
Product: Debt collection

I paid the debt, and received documentation confirming the debt was paid in full. 
but the debt has not been removed from my credit report. 
when i called the creditor they advised me to call the collector. 
when i called the collector they advised me to call the creditor.
Product: Student loan

I received a phone call from a company called Equitable Acceptance in XX/XX/2015 about a student loan forgiveness program. Their sales tactics made me believe I needed their services in order to get my loans forgiven and without them I would be in a very difficult situation. Being in student loan debt I was very fearful I would never be able to afford to repay the loans so the student loan forgiveness they were explaining was a glimps of hope. Now to find out years later by the department of Education that I should never have to pay a third party for help with student loans and to immediately stop the automatic {$39.00} monthly payment that they had been taking since XX/XX/2015. I had then realized that my student loan amount was not going down at all due to the income based repayment plan I was on, and Equitable Acceptance was charging me {$1300.00} a year to submit one application to my loan servicer. I believe this company needs to better explain the actual service they are providing because if they made those facts more clear nobody would be involved with them. Their marketing a population with tactics that makes us fearful to deny their services not knowing that we do not need a third party to provide any service at all. Their marketing tactics are unfair and I dont believe they should be in business anymore. The services that I have been paying for from them also show up on my credit score as a credit card with a balance due. I would like to see this removed from all credit reports. I would also like to add that the person handling my case, which I do have their name and number, had a phone number that is no longer in service and they have made it very difficult to find out how to contact them directly.
Product: Mortgage

The companies involved are XXXX XXXX XXXX XXXX XXXX, Chase Mortgage and XXXX XXXX XXXX. These companies have consistently charged me for FHA Mortgage Insurance over the course of my mortgage loan servicing that is different than the agreement we signed and the closing documents. They have ignored the loan closing documents and applied methods not specified anywhere my loan closing documents and in fact their methodology has resulted in FHA Insurance Premiums that are more than {$9000.00} higher than either amortization schedule ( provided shortly after closing ) or FHA Insurance Premium documents ( included in my loam closing documents ). I believe these overcharged fees are excessive, illegal and a violation of the mortgage loan closing agreement! 

XXXX Mortgage 's response indicates that they do not care what the loan closing documents say. In fact, their response spelled out a method that was not mentioned or included in my loan documents. They refused to clarify why my loan documents said one thing, yet they consistently do something else every month when they charge my account! 

This mortgage loan was originated by XXXX XXXX XXXX in XXXX and sold the Chase Mortgage ( XX/XX/XXXX XXXX, who serviced it until XX/XX/XXXX. XXXX has been servicing this loan since XX/XX/XXXX.
Product: Checking or savings account

My account was without notification and I called the company to ask why and they told me they couldnt provide me with the details so I dont have a clue as to what happened with my account
Product: Credit card or prepaid card

Card has a {$25.00} balance, but I am unable to spend the money on the card.
Product: Debt collection

I am victim of identity fraud. I have XXXX accounts in collections that I have never used or opened. And this year I have had my taxes reduced because of it. there are XXXX accounts from midland credit management in XXXX mi. 
the first account opened XXXX XXXX with {$550.00} owed the XXXX account opened XX/XX/2019 with {$470.00} owed the XXXX account opened XX/XX/2019 with {$430.00} owed the XXXX account opened XX/XX/2019 with {$840.00} owed these accounts were from community bank I have been in foster care my whole life everyone has had my social security number at some point.