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

In XXXX of 2024, I signed up for student loan forgiveness via the US department of Education and spoke with someone about getting this process started due to my years of service as an educator. Since beginning this process, I have noticed that my name appears wrong on my student loans that show up on both XXXX XXXX, XXXX, and other credit reporting agencies. I spoke with a representative of US dept of Ed, who shared this issue would be fixed immediately. However, since then, my student loans have changed hands twice without any communication from the new creditors. My loans, who now live with two new companies that I have no knowledge of, have yet to change this information on my reporting- which is therefore inaccurate. I have tried both disputing and fixing these issues with these companies, XXXX and XXXX XXXX ( still with no movement on my loan forgiveness ). When I call I am always placed on extremely long holds and cant get people on the phone in a timely manner to resolve this issue or drop this from my credit reporting, as it is inaccurate. I have also tried to speak with Mohela about the accuracy of what is reported on my credit report, as there are two SEPARATE, yet similar another amounts from the same organization reflected on my account, yet one has not been updated since XX/XX/year>, which leads me to believe this is an additional issue, yet I can get no explanation from the organization.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian and XXXX XXXX are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Experian and XXXX XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, XXXX XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian and XXXX XXXX are not maintaining reasonable procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I am submitting this request to dispute the inaccuracies on my Credit Reports. They failed to properly investigate the inaccuracies and unverifiable accounts on my report, and they never sent proper validation of the accounts. They assured me that it had been confirmed, but they never sent me any form of verification or an original contract bearing my signature. They have demonstrated a disregard for my request and a refusal to oblige. I am certain that they are required to comply with the Fair Credit Reporting Act by providing proof, documents, and definitive and accurate responses within the statutory time frame. However, if they fail to do so, they must remove any incorrect or unverified content. Their adverse and unacceptable actions have severely harmed my credit scores. Please refer to the points listed below : XXXX XXXX
Product: Money transfer, virtual currency, or money service

file a fraud complaint with paypal on XX/XX/22. FRAUDULENT CHARGES ON MY PAYPAL ACCOUNT., FROM A COMPANY CALLED XXXX  I never ordered anything from XXXX i never received any service or merchandise from XXXX Paypal ignored my complaint and just closed my case, with out any investigation, Paypal closed the case 2 hrs after I filed the complaint, It is obvious that on they just automatically are closing cases with out investigating anything I want a refund of all the fraudulent charges the PayPal facilitated in the amount of {$130.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} ; XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} 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 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 email was sent to Barclay bank asking for forgiveness due to Covid19 Pandemic. Account was not past 30 days late at the time of enrollment into Program XX/XX/2020 Barclay bank confirmed and acknowledged enrollment. 
The following month Barclay began reporting the account as 30 days late. 
All phone lines to Barclay were shut off as result to Pandemic. I  sent at least 5-6 emails disputing the mistake that went unresolved. In addition, 1 fax was sent in early XXXX. 2 certified mail letters sent to Barclay all UNASWERED and over 2 months ago. In total 3 months of erroneous and incorrect reporting has decimated my credit during the Covid19 Pandemic despite the accounts enrollment into assistance program. Late Fees continued to be assessed as well. Letters and emails specifically cited the violation of CARES act, and provided evidence of enrollment- no correction has been made to date. 
Last week the final email was sent again citing the law and demanding this time a supervisor 's attention. Two days ago Barclay response " Supervisor reaching out to contact within 24-48 hours ''. 

As of todayXXXX the account is still reporting 30-60 late. 

It is worth mentioning : Consequently because of this 30 late reporting +3 months now another creditor XXXX XXXX, After pulling a soft inquiry into my credit last month has apparently seen and learned from Barclays that this okay to do. Since Barclays has gone uncorrected for so long XXXX XXXX  has Now has decided to go back in time 3 months previous and to change what had been reporting as ON TIME to now 30 days late -replicating what Barclays started.  This error has now caused a domino effect to spiral out of control with now 2 creditors and my credit has been torn apart as a direct result, all while trying to get through a pandemic.
Product: Mortgage

We had our first mortgage with XXXX lending until XX/XX/XXXX. The loan was sold to Flagstar Bank and our first mortgage payment with the new servicer was due on XX/XX/XXXX. The transfer from XXXX to Flagstar included the balance of the loan and an escrow balance of {$2600.00}. We made the XX/XX/XXXX payment to Flagstar which included the {$640.00} escrow payment bringing our total escrow balance to {$3200.00}. The loan was then sold back to XXXX XXXX. The XX/XX/XXXX mortgage payment was made to XXXX including the escrow. We refinanced in the mortgage and closed on that deal in XXXX of XXXX. We were expecting an escrow check from XXXX in the amount of the {$3200.00} plus the XXXX escrow payment. However, XXXX only sent the XXXX escrow amount as the indicate they never received the {$3200.00} from Flagstar Bank. 

I made my first inquiry to Flagstar Bank on XX/XX/XXXX. I have had multiple calls between both servicers. XXXX indicates they need proof of payment to research the case. Flagstar Bank has closed my case with them asking for the information 5 times over the course of three months. We still do not have our escrow money and neither company will help us. We need to find where this money is!
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 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 have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Product: Credit reporting or other personal consumer reports

I would like to express my gratitude for the efforts of the XXXX in addressing certain fraudulent items on my file attributed to an alleged identity theft. However, it has come to my attention that certain remaining fraudulent items still persist, necessitating further resolution, especially in my Equifax Credit Report. I have previously submitted a complaint as a victim of identity theft, outlining the specific fraudulent items in dispute. It is crucial to emphasize that these disputed items are unrelated to any transactions for the acquisition of goods, services, or funds that I have personally authorized or engaged in. I kindly request the removal of the reporting of these fraudulent items from my credit file, which were a result of the alleged identity theft. Notably, similar information pertaining to these items has already been expunged from other bureaus, casting doubts on the accuracy and reported history of the items under consideration. Per the provisions outlined in FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I bring to your attention the following details : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I mailed XXXX checks to XXXX vendors in the amounts of {$15000.00} and {$2600.00}. Both checks were stolen from the mail and deposited with a forged endorsement. TD Bank has not restored the funds to our account and said they may not do so until an investigation is complete which may take up to XXXX months or longer., We are a small business and can not afford to be out of that money for that long. Are they not required to restore our funds immediately? I have already filed a local police report ( XXXX XXXX XXXX case # XXXX ) and with the XXXX XXXX as well. The criminal investigation is ongoing.
Product: Mortgage

I spoke with XXXX XXXX XXXX XXXX He berated me over the telephone requiring me to send him personal information to prove that I pay for my own car payment and that my family is not receiving outside assistance to pay the monthly payment on my vehicle loan. He demanded much more private and personal information such as my ssn and my bank account number and home address and such. This loan is for my parents and yet I am receiving phone calls over and over and harassing emails from this individual about sending him the correct information including my social security number that I refuse to give.
Product: Debt collection

Company has wrong information and continued pursuit of payment. Account was a debt settled with insurance for XXXX  appt. Continued to be billed for charges covered by insurance. Unethical and illegal.
Product: Debt collection

The attached documents proves that XXXX XXXX, XXXX XXXX and XXXX XXXX are guilty of violating the FAIR DEBT COLLECTION PRACTICE ACT and breach of contract. This case is still unresolved to date ( XX/XX/XXXX ) for they refuse to submit the required document stating the payment has been satisfied and releasing driver 's licenses from suspension and accident block. 

The letter from National Commercial Services ( NCS ) clearly shows the amount for which suspension was based and date of requested suspension. The payout summary and repairs supports the claim ; and the receipt shows that amount paid in full prior to the date of suspension. 

On the XX/XX/XXXX XXXX wrote to me " Thank you for your payment. We will credit the account accordingly. The department of Motor Vehicles will be notified of complete payment once posted in the morning. You will receive notification accordingly in regards to the completed release. Thank you, XXXX XXXX '' That agreement was breached by her failure to credit my account and notify the DMV as promised resulting in driver 's licenses suspension. To date she has not done so. 

I hired Attorney XXXX XXXX who contacted XXXX and paid what was demanded as outstanding ( {$130.00} ). Those monies were paid on the XX/XX/XXXX with the promise from XXXX " The DMV would have your release within 5-7 days. She ( XXXX ) emailed me ( Attorney  XXXX  ) the receipt for the payment already. '' Again, to date the DMV has received no such document of release. Again, XXXX has lied and has breached another agreement. 

We have suffered immeasurable amounts of stress and our ability to conduct and improve our livelihoods have been stifled as a result of these breaches.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX  ACCT # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consuner information to the best of their ability with Maximum Accuracy. 

I contacted XXXX, Equifax, XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 



contacted XXXX, Equifax, XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Agt. and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof.
Product: Credit reporting or other personal consumer reports

CFPB complaint XXXX is over XXXX old and has still not resolved. No feedback has been received regarding dispute. This is a violation of the Fair Credit Reporting Act and this record must be PERMANENTLY DELETED from my credit report IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I have sent numerous letters in order to resolve this issue which have all gone unanswered. 

In reference to the following, I requested a proper investigation which has not been done. The inaccuracy of the report has impacted me significantly, and I demand that the information be corrected. 

The following accounts are still erroneously reporting. In accordance with the Fair Credit Reporting Act, it is required to investigate these items and DELETE any and all discrepancies. 

XXXX  XXXX XXXX XXXX This charge off account does not belong to me. 

XXXX XXXXXXXX I was never late on this account. I have made all the payments on time. 

XXXX XXXX I was never late on this account. I have made all the payments on time. 

In compliance with the Fair Credit Reporting Act, which clearly states that any known information that is false can not be reported to any credit bureau. I have been requesting that they be immediately removed but have gotten no response.
Product: Payday loan, title loan, or personal loan

You should investigate all XXXX  companies. 

It appears they are allow My merchants to get paid without delivering products. Its a revenue recognition issues. 

Example. I buy something on XXXX XXXX. I use Afffirm to pay. Half my order ends up taking an extra six months to be delivered. As a consumer I keep paying Affirm. XXXX XXXX got to recognize that revenue 6 months earlier than they are really supposed to and me as the consumer has no furniture during that time.
Product: Checking or savings account

On XX/XX/XXXX, my debit card was used 6 times without my authorization. I had my physical card on me. I disputed all 6 charges to the bank, but was only returned 3 of the 6 charges. The bank says the other 3 charges are not fraudulent. I also filed a police report. That theft identity # is XXXX. The charges are listed below : XXXX WA- {$19.00} ( Disputed and returned ) XXXX XXXX XXXX FL- {$100.00} XXXX Disputed and returned ) XXXX XXXX XXXX XXXX  XXXX FL- {$9.00} ( Disputed and returned ) XXXX XXXX XXXX XXXX, FL- {$850.00} XXXX Disputed and NOT returned ) XXXX XXXX  XXXX XXXX, FL- {$4000.00} XXXX Disputed and NOT returned ) XXXX  XXXX XXXX XXXX, FL- {$69.00} XXXX Disputed and NOT returned ) I was at work in XXXX  XXXX, KY on this day, and also used used my physical debt card at XXXX in XXXX XXXX this day. There is not even a way for me to be in both of these places the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XX/XX/XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, New York XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are XXXX hard inquiries on my credit account that do not belong to me. I live in XXXX XXXX XXXX and have lived here since XXXX. There are many auto loan inquiries for businesses based in XXXX ( I do not have a drivers license so I can not obtain an auto loan nor would I need to and I am not based in XXXX ) there are other loan inquiries as well that do not belong to me. I do not have any paper work referencing these inquiries or loans as they were not made by me. There is also a rental leasing debt from The XXXX XXXX XXXX XXXX which does not belong to me as I have never rented a full apartment on my own.
Product: Debt collection

I never receive any type of notice in the mail or email regarding any type of debt owed by Consumer Adj co. I do not know anything about this company. They have violated my rights to dispute and illegally reporting inaccurate information on my credit file which resulted in my credit file dropping XXXX points. On XXXX XXXX, I mailed a certified letter ( XXXX ) requesting proof of original signed contract with my signature on it, proof of ownership to collect on the debt, proof to collect the debt in my state and a list of itemizing charges if any. I'm not sure if I am writing the right company because again I never receive any written notice or email. My consumer rights have been violated by this company and I would for it to be resolved immediately.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XXXX, XXXX, XXXX and XXXX to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports