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

XX/XX/2024, i looked at my report. I sent a letter to experian on XXXX XXXX asking them to reinvestiagate these accounts : Name : XXXX XXXX XXXX, account:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and here is my report number : XXXX XX/XX/2024 they sent me their invetagtion and said these accounts are complete and accurate.

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Experian really did not reinvestigation they lied on an offical document saying they did something they did not do
Product: Credit reporting, credit repair services, or other personal consumer reports

they did not delete a fraudulent collection on my report and they did not do a proper investigation. here is the following account Account info Account number XXXX Date opened XX/XX/2022 Account type Collection
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i check my credit through experian 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with CPS ( Consumer Portfolio Svcs ) which resulted in the vehicle being repossessed around XX/XX/XXXX. Since that time, CPS has added incorrect data to my credit report to keep the account listed after it should have dropped off. According to the current report, it shows the account was paid through XX/XX/XXXX and charged off in XX/XX/XXXX. This is incorrect as the account should be reported as a repossession in XX/XX/XXXX. I have disputed this information more than once with no resolution.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX # XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I can't overstand why I have to pay the amount of what I got approved for instead of the amount I spent. The equipment I thought i purchased with the credit available to me, but after reading the current lawsuit against them by the CFPB on their illegal lending practices, that's when I went back and to a look at the lat payment receipt and noticed that I was well over what I actually used for get the stereo equipment. The cost for the equipment was XXXX $ which i am to make 26 payments of XXXX $ every other week. That totals XXXX $ which is absolute highway robbery.
Product: Debt collection

Credit control llc is attempting to collect a debt that I do not owe. The original creditor is XXXX XXXX XXXX XXXX XXXX total amount owed is XXXX Opened XX/XX/year>2024 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 48 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. I've sent letters asking for addresses to be removed, inaccurate late payments to be updated correctly, misleading information to be removed, original contracts to be verified by creditors that I DO NOT OWE! 
I have attached a copy of my ID, Proof of address and a copy of what was sent to all three credit bureaus!
Product: Checking or savings account

In XX/XX/2020, HSBC offered a high-yield savings account with an APY close to 2 %. I opened an HSBC savings account in late XX/XX/2020. 

On XX/XX/XXXX, they reduced my APY to 1.70 %. 
On XX/XX/XXXX, they reduced my APY to 1.60 %. 
On XX/XX/XXXX, they reduced my APY to 1.30 %. 
On XX/XX/XXXX, they reduced my APY to 1.01 %. 
On XX/XX/XXXX, they reduced my APY to 0.70 %. 

Now, after failing to honor their promised APY for even a single month, and systematically gutting my APY every month since I opened the account, they will charge a {$25.00} fee if I close the account within 180 days of opening it. 

If they lured me into a savings account with the promise of an APY they couldn't even honor for one month, then they should not be allowed to hold my account hostage with account closure fees.
Product: Debt collection

The Collection Agency reporting false information on my credit file is not only unacceptable ( as i never engaged in a contract w/ my signature w/ them ) but is unlawful and violates at least 2 of many of the FDCPA rules and regulations. Validation of debt section 809 and unfair deceptive practices section 15 USC 1692f. FCRA section 609 / 610 Disclosures to consumers 15 U.S.C. 1681g ( a ) states in laments terms to provide this said information ( contract ) with my signature engaged with said company. Nothing has been provided. Prior collection agency was removed due to its unlawful reporting and now this new one is doing same. I owe this Collection Agency whom I never heard of NOTHING! ZIP! ZILCH! and somehow they remain on my credit report! This is now causing great emotional distress to myself and family a it is limiting my credit score and especially at a time of need and for absolute no good reason! If the CFPB is unable to right this wrong I will go to the FTC and sue for emotional distress up to 12 times! If you are unable to validate this assumed fairy tale debt and provide a contract WITH MY SIGNATURE by LAW then have it removed ASAP! Enough is ENOUGH!
Product: Student loan

On XX/XX/2019, I spoke with XXXX from Clear Start Today - XXXX x XXXX. She explained that the best program to consolidate my loans would be to pay {$240.00} x 4 months to lower my monthly payments for {$140.00} / month for 240 months and for one interest rate. I thought this money would go towards my student loan payments not a fee to consolidate my loans. I gave my XXXX card over the phone to make the first payment and then set up monthly payments going forward for the XXXX of each month- 3 payments have been processed. I e-signed a document for the client agreement on XX/XX/XXXX and proof of income was sent on XX/XX/2019. On XXXX XXXX, I got an email about an FSA ID that was created. On XX/XX/2019 I received an email and phone call on the XXXX stating my payment was declined and confirmed payment over the phone again using my XXXX card for the third payment. I was told this program was specific for my federal loans however I was notified by my loan provider that starting XX/XX/2019 my private loans were put into forbearance and that my auto deposit from my bank account was stopped however I never authorized this information.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was working with KEEP YOUR HOME CALIFORNIA about my home mortgage and they requested a mortgage statement and they refuse to send it to me and to me and KEEP YOUR HOME CALIFORNIA therefore I just got call from KEEP YOUR HOME CALIFORNIA that they denied me because of not getting the the document they requested. 
what happened to my case with KEEP YOUR HOM CALIFORNIA is souly SLS fault fault for refusing to send the document needed. 
I need immediate action befor SLS take my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX need to remove any late payments associated with account XXXX being reported because they are in violation of 15 USC 1681e, 15 USC 1666B and 15 US Code 6802. 15 USC 1681e Requires credit furnishing companies to report accurate information to be in compliance. According to 15 USC 1666B Timing of 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. Nothing was ever mailed or delivered to me no later than 21 days before any due date so any late payments pertaining to this account need to be removed from my credit report. If not please provide proof of mail no later than 21 days before due payment to be in compliance with the law. Provide proof of compliance of 15 USC 1666B or remove all late payments associated with this account According to 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A finical institution may not disclose nonpublic information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


Provide proof that opensky is in compliance with 15 U.S. Code 6802 or remove the late payments associated with account XXXX
Product: Mortgage

I XXXX XXXX XXXX has a Mortgage with Rocket Mortgage ( Loan Number XXXX ) and unfortunately during the Pandemic I applied for " Federal Housing Finance Agency COVID-19 18-Months Forbearance '' with Rocket Mortgage. I was granted the COVID-19 Forbearance for a total of 18 -months from Rocket Mortgage, and I also received a letter from Rocket Mortgage that says The repayment of the deferred amount will be due when you payoff your mortgage, sell your home or refinance. However, this is not the case and now Im in a difficult position of needing to pay back a Balloon Payment to Rocket Mortgage of {$20000.00}. 

As of XX/XX/XXXX Rocket Mortgage has stop accepting my payments and attempted to modify my 18-Months of Deferral Payments into a 40-year loan and increasing the Principal Balance. On XX/XX/XXXX my Brother-in-law ( XXXX XXXX XXXX ) who I Authorized as Contact on my loan called Rocket Mortgage in my behalf and spoke with ( XXXX ) a Supervisor in Rocket Mortgage Covid-19 Forbearance Relief Department and attempted to explain to her the letter we have received from Rocket Mortgage that these 18-Months of COVID-19 Forbearance Payments are not due until the loan is paid off, sold, refinance or the loan is Matured, we even pointed out FHFA guidelines listed on XX/XX/XXXX Moratorium and Supervisor XXXX declined to look into this matter. 

On XX/XX/XXXX I open a Complaint with Arizona Attorney General XXXX XXXX and later that evening I received an email from Rocket Mortgage that the loan modification has been withdrawn and threating me with Foreclosure, if I do not pay them the Balloon Payment of ( {$20000.00} - {$2100.00} = {$18000.00} ) by XX/XX/XXXX. 
As I was scared of losing my home and Rocket Mortgage destroying my credit, I was not able to get approve for a loan and had to resort in selling lots of my tools and personal belongings at cheap prices to raise {$9000.00} and received the rest money from family. 

Please, review I was deceived by Rocket Mortgage that I wouldnt need to pay back these payment until my loan is paid off, sold or refinance and now I being threaten with Foreclosure by not paying this Balloon Payment.
Product: Credit reporting or other personal consumer reports

Account name ; XXXX ACCT # XXXX Account name ; XXXX XXXX Account # XXXX Account name ; XXXX XXXX ACCOUNT # XXXX Account name ; XXXX Account # XXXX XXXX Account name ; PROSPER MARKETPLACE IN ACCOUNT # XXXX XXXX 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 seven years.

15 U.S.C. 16815-2 ( 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: Debt collection

AWA Collections representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$1300.00}
Product: Mortgage

The reason I haven't tried to fix the issue is why I am here. They forced me into a modification and they have raised the costs of my loan significantly. I have since learned that I had other options that were not only more equitable for my situation, but I was also deceived regarding my rights and they increased my debt substantially, which defeated the purpose of my forbearance in the first place. ( I asked about this prior to making my decision ). Also, throughout the duration of my forbearance I continuously received conflicting information from different employees and I became confused. I also informed them of this because I am XXXX and I struggle with my XXXX XXXX  and I was going around in circles to find help and they were adding to the problem by confusing me about my options and obligations. Now I have to pay more than ever and I am struggling to make my payments. And not just my mortgage payments are affected because I have difficulty managing my finances by myself. I have difficulty managing my life in general. Prior to the forbearance my loan was at 3.75 % and backed by the VA. Now I am at 7.25 % and I don't know if I have a VA loan or a conventional one. And I think that it is no longer fixed either. I am not able to tell you that part only because I don't understand it well enough to speak to it with confidence. But I do recall that I read those things on my documents. However I don't know if it was just information about the type loan or if it was the actual documents. I was misled and misinformed. And they have sent me a few forclosure letters throughout which frightened me horribly and then, recently they sent me a Payoff letter which i did not request. I was also told that I have a new lender but Carrington refused to share with me who they are. And I have been instructed to continue to work with Carrington Only.
Product: Mortgage

My FHA loan was bought by Freedom Mortgage from XXXX XXXX. This was around the time my son was having issues with XXXX and we were dealing with investigations into the facility he was at. I received an email about this transfer and called XXXX XXXX to make sure about the transfer and if there were going to be any changes. They assured me nothing would change. On Friday, XX/XX/2023, I received a call from Freedom Mortgage stating my account was two months behind. I asked how could that be, I have automatic payments from my account. She said it did not show. I told her that XXXX XXXX said everything would remain the same. She said that did not include the bank withdrawal. She asked if I had money trouble and I said absolutely not. I have the money its not a problem. I immediately paid and set up the automatic withdrawal. She informed me they would report me to the credit bureau for late payment. I disputed this and they called me again today to tell me they will report this. I tried to explain that I was misinformed, but he said it was in a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request an update on my pre-employment screening record due to a discrepancy in the information provided. On XX/XX/2021, I received a speeding ticket while returning from Pennsylvania. The incident occurred in XXXX, West Virginia, where the speed limit was 65 mph. Regrettably, I was caught driving at 95 mph in my small car. After the incident, I appeared in court, and I am pleased to inform you that the speed limit violation was subsequently reduced to just 10 miles over the speed limit, which I consider a positive outcome. As a responsible driver, I promptly paid the fine associated with the reduced ticket. However, I recently noticed that my pre-employment screening record still shows the violation as 16-25 miles over the speed limit. I believe this may have been a clerical error or oversight during the reporting process. 

I have attached a copy of the court verdict, clearly indicating the reduced speed limit violation, for your reference and verification. I kindly request that my pre-employment screening record be updated accordingly to reflect the correct information. I understand the importance of accurate and up-to-date records, and I want to ensure that all information provided during the hiring process is accurate and reflective of my driving history. 

Thank you for your attention to this matter. If there are any further questions or additional documentation needed, please do not hesitate to contact me. I am more than willing to provide any necessary assistance to resolve this matter promptly. Thank you for your understanding, and I look forward to the opportunity to discuss my application further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account listed on my credit report by a debt collection agency, LVNV Funding LLC, collecting on behalf of XXXX XXXX. LVNV Funding LLC is the current creditor, but XXXX XXXX XXXX XXXX, XXXX has been sending me letters offering to settle the account. LVNV Funding LLC nor XXXX XXXX XXXX XXXX is licensed to collect in the state of Mississippi and therefore I am disputing this collection account. 
The collection account was last reported on my credit report on XX/XX/19.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to the accounts thats being disputed, these accounts were delete from my consumer report but were reinserted which is a violation of the fcra 15 usc 1681i ( 5 ) ( b ) REQUIREMENTS RELATING TO REINSERTION OF PREVIOUSLY DELETED MATERIAL.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name- XXXX XXXX Account number- XXXX Account name- XXXX & XXXX Account number- XXXX Account name- XXXX XXXX XXXX XXXX  XXXX  Account number- XXXX Account name- XXXX XXXX XXXX XXXX XXXX  Account number- XXXX Account name- XXXX  XXXX XXXX Account number- XXXX Account name- XXXX XXXX XXXX Account number- XXXX Account name- XXXX XXXX XXXX Account number- XXXX Account name- XXXX Account number- 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 card or prepaid card

Was looking at my XXXX credit report and found a credit card had been opened using my SSAN. The account was with Macys XXXX and opened on XXXX XX/XX/2022. I called the card company on XX/XX/XXXXand was transferred to the fraud department who took my information and provided the following Case ID number. 

XXXX XXXX. 

The address on the Macys XXXX account was listed as XXXX CA. I live in XXXX XXXX and know no persons living in XXXX. The Citbank company rep told me that this fraudulent account would be closed and that documentation of this would be sent to my email account. 

I also contacted XXXX to dispute the card account. XXXX put a fraud alert on my account.