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

I am filing a formal complaint against World Finance Corporation and XXXX XXXX XXXX XXXX for multiple violations under the Fair Credit Reporting Act ( FCRA ). These entities have reported inaccurate information on my credit report, failed to provide necessary documentation upon request, and engaged in status manipulation that has negatively impacted my credit score. 

XXXX. Intentional Balance Fluctuations and Inconsistent Reporting : In XX/XX/year> XXXX report, the balance was listed as {$590.00}, but it fluctuated in other reports despite no new payments or charges. This inconsistency is unexplained and unfairly affects your credit score.

2. Failure to Mark the Account as Disputed : I formally disputed the account on XX/XX/year>, and XX/XX/year>, but World Finance failed to mark the account as disputed, which is a violation of FCRA.

3. Lack of Proper Documentation : I requested the original contract, monthly statements, and a breakdown of charges and interest from World Finance. They did not provide this documentation, leaving the legitimacy of the account unverified.

4. Improper Sale and Transfer of Account : World Finance sold the account to XXXX XXXX XXXX in XX/XX/year> but continued reporting the account as a charge-off, causing further misreporting and confusion in your credit reports. 

5. Inconsistent Monthly Balances and Status Changes : account status has switched between " charge-off '' and " collection '' across different months and reports, making it unclear whether the debt was charged off or sent to collections.

6. Potential Improper Reporting by XXXX XXXX XXXX : XXXX XXXX XXXX may have been reporting the account under World Finance 's name instead of their own, which could mislead you and harm your credit score.
Product: Mortgage

I went through a hardship due to XXXX. I lost my job and had no source of income. My last servicer said they would help me. My loan then transferred to SPS. They asked me if I was experiencing a COVID hardship and I was so they put me on a forbearance plan. After the forbearance they sent me a balloon payment that I can not afford. I was told to send in a full modification package and I did. They denied me a modification. Now, I don't know how I will catch up and I am scared of falling into foreclosure. I feel like SPS should not have given me the forbearance if I was going to be stuck with a big payment. I feel as though this was a way to get me behind in my mortgage.
Product: Student loan

I called Edfinancial services today XX/XX/2022 and asked for my loan refund for the payments that I made during the pandemic pause. I was told that this refund would take up too XXXX year to processes. That is a deceptive practice to not refund so that I will still owe them money after Biden 's loan forgiveness if they finally get around to refunding the money. This is intentional on their part to to try to get additional monies to their company. The other major student loan servicers have given customers a XXXX week window for the refund. I am due XXXX for the Bidens cancelation program as I have Pell Grants.My current loan after making all forbearance payments is approximately XXXX. I have made payments for the entire time of forbearance.I have researched the large number of complaints against this organization and the lawsuits, including the XXXX XXXX dollar suit filed by CFPB due to lying to consumers and engaging in deceptive information. I want my payments that I paid during forbearance to by refunded within the proper time frame to allow me to have the amount added to my loan so I may receive my full loan cancelation amount. Their are many complaints online regarding this same issue I am having with Ed Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : Inquiries ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXXXXXX OF XXXX XXXX Date XXXX. XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

As I was in review of my credit report I came across some hard inquiries that are not mine.
Product: Checking or savings account

Direct deposit which was supposed to be deposited into my account since yesterday, XX/XX/year> has yet to process and it is now XX/XX/year> past afternoon time XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several liens reporting on my credit file by this company. XXXX and XXXX are not reporting any lien. upon checking my credit report I downloaded today, there is no way to verify that these liens belong on my credit report. The only information reported is a reference number, amount, filing date. I then called Transunion today, XXXX XXXX, XXXX and spoke to a representative, XXXX. I questioned him about the issue. XXXX claimed that what we see on the credit report is also what they can see, meaning they do not see my DOB, SSN nor address linked to the liens they are reporting. I questioned XXXX about the XXXX XXXX XXXX  program and told him that if Transunion 's system does n't show my DOB, SSN and my address, the liens should have been removed last XXXX XXXX, XXXX. XXXX claims that the standards have been applied to the system already and remaining liens where verified. The question is how was it verified if they do not keep records of DOB, SSN or address associated with the liens? He then said they verified the information directly from courthouses electronically. I do not think that the liens reference # s, XXXX, XXXX and XXXX belong on my credit report. He initiated the dispute over the phne and provided me with a file number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Syndicated Office System s, LLC Has not answered any of my debt validation letters. They are not licensed to collect in the state of Florida.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a failure to pay on my auto loan in XXXX of 2016 even though I have made payments continuously made payments throughout my bankruptcy case and up to the present. They have also reported my account as closed when it is still open and I am still paying the note every month. I do understand that reporting is stopped once the account is taken into bankruptcy, however Suntrust is still receiving regular payments from me so I should get something for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting this myself for you to take necessary action about the errors being reported on my Transunion Report. I am so baffled by this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Transunion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided XXXX VERIFIABLE PROOF. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy... Below, are the items they should DELETE from my file : XXXX XXXX, XXXX CARD XXXX, XXXX CARD XXXX
Product: Credit reporting or other personal consumer reports

I am sending this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXXXXXX Balance : {$22000.00}, XXXX XXXX XXXX  XXXX Balance : {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion File Number XXXX XX/XX/XXXX REGULAR INQUIRIES XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX I have never applied for nor took out credit nor fill out any type or credit application in my name.
Product: Credit reporting or other personal consumer reports

I original open 3 complaints against all 3 credit bureaus they were informing fraudulent information so I asked them to removed them that was more than 45 days and they still havent removed the information but today I have a bigger problem the bureaus are reporting that Im dead I went to purchased a vehicle from a dealership and they notified me that they couldnt give me a loan because XXXX, XXXX, and Experian. are reporting me as deceased. I need your agency to fixed this problem and take an enforcement action against a person or company ( XXXX, XXXX, and Experian. ) for violating my rights and the consumer financial protection law. I went to social security and reported the problem and they gaved me a letter stating that Im alive.
Product: Vehicle loan or lease

My trunk that I financed though bridgecrest has a repair check that I had to send to them before iam still financing the car now iam trying to get them to send the check to the shop that fix my car i call very day with different answers
Product: Mortgage

The mortgage lending officer from Citi bank branch in XXXX XXXX XXXX in New York who named XXXX XXXX XXXX gave me big trouble. 

My Citi personal wealth management wealth advisor introduced her to me, since Im buying a house. But XXXX kept complaining her in front of me. 

Then XXXX asked me for lots information. Such as 2 month business statement 2 years business w2profit and loss statement and this year balance sheet. I spent lot of time and money to my accountant for them. After she received them, she told me she doesnt need them. 

Then she asked me for my paystub. I sent her my paystub from last month and called her to make sure its ok. She told me it works. But after a while, she told me that doesnt work. She need paystub from this month. 

I was really upset. I called her and asked her to be more careful with my case mannerly. She told me to find other mortgage lending office and hanged up my phone! And she texted me that she doesnt have much time and energy for me. She had lots of clients now. 

Thats really not professional at all. She totally wasted my time and money!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to have incorrect information Collection companies/debts that are fraudulent and are not mine Incorrect statements that do not match my true history removed Over 31 inquiries that have impacted my score d/t another using my name etc .... 
Fraudulently -- - I have sent Info for removal XX/XX/XXXX XX/XX/XXXX And XX/XX/XXXX That should have been enough time to remove incorrect items And return my correct credit bureau scores -- - I sent letter from XXXX XXXX XXXX For information related to crimes against me
Product: Consumer Loan

My car company charged off my car loan because at the end of my loan I still owed money due to a few deferments during the loan. I contacted them to see if i could continue to pay my monthly payments until it was paid if full and I was told NO, I had to pay the balance in full. I could not afford it so they charged it off. I had a XXXX % payment history with my loan. I then talked to someone who said my car is out for repossession. My family gave me a loan and I made a XXXX XXXX payment of {$1800.00} which paid my loan in full. I still had late fees and interest fees of {$940.00} left. I called each week and had a new representative each time tell me someone would call me back. No one would ever help me after I paid the {$1800.00}. Finally I spoke to a guy that went over my option of a settlement for the remaining fees. I was told I would get a per-settlement offer via e-mail sent to me. It never came. I called and called and then finally I spoke to XXXX XXXX, she looked at my notes and apologized for getting no responses and the run around. she said that guy who made the settlement terms with me was no longer with them. She then said all settlements in their company are placed on suspension and she would contact me once the suspension was released. A week later I got a call from XXXX and she said they accepted my settlement of {$650.00} and the other term was that they would delete the account from my credit. Today I received the per-settlement e-mail letter. It did not indicate the term of the account deletion from my credit so I responded to the e-mail asking someone to please contact me. After 4 hours and no call I called XXXX myself and explained that this term was left out and can they please revise the letter and re-send it to me so I can pay this right away. XXXX told me No, they ca n't change the letter, she said I need to pay and they will take care of that. I said I need this in writing. She then became mad and very rude to me saying she has went above and beyond to help me when in fact I was the one calling their company everyday with no responses. She said she has no access to e-mail when I asked her to send me a confirming e-mail of our terms since they ca n't change the letter, she said there is nothing she can do and to not call her again today ( that was my first time calling her today ). I am so upset, all I want to do is pay my settlement and have this removed from my credit so I can forget about them forever. They have zero customer service skills and do not care about their customers. I do not know what to do at this point. If I do not pay I will never receive my pink slip and they will continue to report missing payments to my credit like they did last month even though my car is paid in full and the remaining balance is just fees. I need help please.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by this company to make any inquiries on my credit report.
Product: Credit card or prepaid card

I bought my weather tech mats from XXXX. XXXX sent me the wrong mats, I tried to dispute the item with Citibank. XXXX first told me that I didnt have to send the mats back. When my provisional credit was declined, I called XXXX. They said Citibank has already debited them and they have no recourse. I thought I should just send the mats back. XXXX got the mats on XX/XX/XXXX. I have called Citibank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and was told that I can not get my dispute resolved. I also emailed XXXX XXXX response unit on XX/XX/XXXX. I then mailed a letter to their executive response unit on XX/XX/XXXX with all the proof that XXXX doesnt have the funds. The funds are with Citi. I have emailed and called Citi here in XXXX and finally talked to somebody in escalation today-XXXX XXXX who wouldnt let me talk to a Manager since she was a highest person I could speak with and will take 13 calendar days to get back with me. I told her I will file a complaint at this point. Attaching all proofs!
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to bring to your attention serious concerns regarding my credit report and the actions of Experian. My personal information was exposed in multiple data breaches, and as a result, I became a victim of identity theft. I have submitted all required documentation to Experian and requested a thorough investigation into the fraudulent activity in my credit file. However, Experian has consistently failed to conduct a proper investigation, and the situation has only worsened. 
Most recently, after my last complaint to the XXXX, the negative information related to the fraudulent activity was deleted from my credit report. However, just XXXX hours later, the same negative information was reinserted onto my credit report without any new investigation or verification of its accuracy. Despite me submitting this under section 605B which requires Experian to block the fraudulent information, they took it upon themselves to modify it to a XXXX dispute ( evidence attached ) ; and are still declining to block the information under the argument that I knowingly obtained or should have known about obtained goods or services. This troubling action suggests that Experian is merely making rapid updates to my credit report, rather than conducting a proper inquiry or ensuring that the reported information is legitimate. The reappearance of these items on my credit file raises serious concerns about the adequacy of Experians procedures for handling fraudulent data. 
Under Section 605B of the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a thorough and accurate investigation into any fraudulent information on a consumers credit report. The deletion and subsequent reappearance of these itemswithout any new investigationindicates that Experian is not fulfilling this legal obligation. This failure to properly address the fraudulent activity continues to negatively impact my credit score and my financial well-being. 
Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received my credit report and I did not apply for this loan.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of this year I saw an ad on XXXX XXXX that ad is no longer available so I'm not able to do a screenshot of it I came across an individual that had a property for rent it was the right price I was trying to help my daughter get a new home in this process we did money transfers through Wells Fargo app that has XXXX to the individual or I should say individuals working together we made XXXX transactions before we realize there was a scam in this process we went back to the house we said oh we love this house it's beautiful let 's get the paperwork going so we did the application fees then we did a deposit luckily XXXX I was able to stop XXXX of the transactions because it was a larger amount and XXXX of the walkthroughs afterwards we saw some paperwork that was kind of hidden to the side and it said that who was claiming to be our landlord was not our landlord that this house was actually a rental property so I had my daughter call and then we received a call back stating that this property is not owned by anybody but the rental agency they came out afterwards and changed the locks I have a bunch of screenshots of the conversation between myself and the individuals as soon as I realize it was a scam I immediately notified my bank to file fraudulent charges and scam alerts on XX/XX/XXXX I received a letter in the mail from the bank stating that they are going to side with the frauds and let them keep the money so I am now taking the next step I am XXXX my daughter is XXXX and I have a joint account with XXXX of my grandchildren for someone that's on XXXX this is a lot of money for us. I am going to send you everything that I have that I have screenshotted downloaded My name is XXXX XXXX you can reach me at XXXX
Product: Debt collection

My husband received a phone call from Jefferson Capital regarding a credit card that I have in collections. He is not associated with the card or debt at all. They should have his phone number at all. I am not sure how they got it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the 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 written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Fl XXXX XXXX Dear company I am writing to dispute an unauthorized hard inquiry that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), a hard inquiry can only be conducted with my explicit consent. 

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX I formally request that you remove this unauthorized inquiry from my credit report immediately. If you are unable to verify that I provided written consent for this inquiry, I ask that it be removed in accordance with the FCRA. I have attached a copy of my identification and a copy of my credit report with the disputed inquiry highlighted. I appreciate your prompt attention to this matter and look forward to receiving a written response within XXXX days, as required by the FCRA. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am making a complaint about Alliance Association Bank, which is regulated by the XXXX XXXX XXXX XXXX XXXX XXXX. 

My HOA in XXXX, Texas, recently sent me the following message : " Update XXXX Alliance Association Bank XXXX XXXX XXXX has recently been informed that Alliance Association Bank has implemented a {$2.00} transaction fee for submitting one-time payments using bank account information. To avoid this fee, please sign up for automatic ( recurring ) payments with Alliance Association Bank using a bank account or mail in a personal check. If you mail a check for payment please consider XXXX mail delivery times. Please note that credit card payments will still incur a 3 % processing fee and debit card payments will be charged a {$4.00} processing fee. XXXX receives no portion of the bank fees charged. '' I am writing to ask whether it is legal for a bank to charge a fee for using bank account information to accept payments. This is especially upsetting considering I have no choice but to use this bank for as long as I own my home. 

Please advise if there is legal recourse to this charge short of selling my home. 

I have already attempted to communicate with the XXXX XXXX XXXX  and they have sent me to you.