23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying for the modification to my home that was underwater in the beginning trees caused many damaging plumbing problems. Next was an electrical fire my son had XXXX XXXX XXXX XXXX and XXXX XXXX. 
nationstar. Who is now Mr Cooper has stolen my private information saying I did in fact get the modification and after sending them over XXXX in cashiers checks, they say it was all a scam. Only there employees that called me to confirm had all my private information. My attorney has tried to resolve this. But they will not litigate with me. After all they have done to a single woman with XXXX children suffering and more. .. The people need to know how they will be treated by this deceiving company. And leaving me hanging here for 6 years. And still no modification with the hundreds of programs available. But There is not one for me. 
Absolutely no help!!! 
I hope this will be going public, my attorney is ready for federal court. 
They lie lie lie. 
and have terribly rude customer service representatives.. 
XXXX XXXX of XXXX Utah
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Credit reporting, credit repair services, or other personal consumer reports

Last active dates are different ( XX/XX/XXXX XX/XX/XXXX ), charge off/collection between XXXX XXXX XX/XX/XXXX but the month of XXXX no data provided. Past due amounts on closed accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent XXXX  a followup letter regarding an alleged debt collection on my credit report by the company " I Q Data International INC account # XXXX '' which I have also reached out too. The company has FAILED to verify the debt with ( original signature ). The company sent me a letter that ONLY addresses the alleged debt but NOT the original leasing agreement with my alleged signature. This debt does NOT belong to me. It has now been over 30 days since the original dispute on XX/XX/XXXX that has not been addressed neither by the credit bureau XXXX, XXXX  nor the creditor, I Q Data International. They are ALL in violation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I will submit a complaint here with ALL companies involved including XXXX, XXXX  and the creditor, I Q Data International, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed Experian the Public Record - Bankruptcy being reported on my report was not mine and asked to have it removed. In fact, of the 3 credit reporting agencies, only Experian is reporting this Public Record. 
It was verified as accurate and remained on my report. This is causing a huge financial burden as I am trying to qualify for a VA XXXX loan. 
I requested evidence this Public Record was mine and the mode in which they verified the account. I was not provided with any information. 
***SEE ATTACHED LETTER FROM BANKRUPTCY COURT*** The court does not verify ANY bankruptcies and on partial personal information is provided, which makes it NOT VERIFIABLE!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the following inaccuracies attached on my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Lenders that report data to credit bureaus as required by the coronavirus aid, relief, an economic security act ( CARES act ) will not cause consumer credit scores to go down '' - my complaint is that I had a missed payment at the beginning of the Pandemic ( XX/XX/2020 ) and it has not been removed from my credit report, and it is hindering my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

My account with 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 ( MONTHS REPORTING LATE ) 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 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
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against CRAs XXXX, XXXX and Experian for the following reasons 1.inaccurate reporting XXXX XXXX has reported inaccurate information regarding my account to credit reporting agencies, This misinformation has adversely affected my credit score and financial stability. 2. Misuse of Federal Reserve Loans, I am concerned that the CRAs may be abusing loans obtained from the Federal Reserve it appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relations to accounts. XXXX. Abuse of Insurance Policy, CRAs charged me and continue to charge me while collecting on the insurance policy that was supposed to insure the alleged loan. This practice appears to be and abuse of the insurance coverage and has resulted in additional financial burden for me. XXXX. CRAs is in violation of the FCRA and Privacy Act of 1974 as I havent received a Privacy Notice or having a sign authorization from me to be able to Furnish to my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX daughter opened an account ( cable, internet and home security ) account with XXXX in XXXX of XXXX, without my consent. XXXX installed these services while I was at worked ; therefore, I signed no contract or legal documents. I stopped those services XXXX of XXXX after I moved and was assured by XXXX that there were no issues. 

I then starting receiving collection calls from XXXX XXXX XXXX XXXX # XXXX in late XXXX. I tried without success to explain the situation to the representative, but was yelled at and insulted. I then tried to reach out to XXXX to no avail, because the representative said he couldnt find me in their system. Then I disputed this with XX/XX/XXXXand Transunion. Both wrote back that this is a valid debt. Finally, in XXXX of XXXX I called XXXX and the representative was able to find me in their system, but didnt have access to the information. I then requested to speak to a manager. The representative assured me that a manager would review the matter then call me back in several days. Several days after, a XXXX called me and told me that this balance of {$300.00} wasnt for early termination as I was told, but rather for a security device that wasnt returned. He then gave me a {$75.00} credit in the interest of customer service and told me that returning the devise would bring the balance to {$0.00}. At that point, the balance went from {$300.00} - $ XXXX {$230.00}. I asked him for couple of days to find the device. I found and returned the devices on XX/XX/XXXX. 

I checked my credit report and saw that the balance was now {$220.00}. I disputed it with Transunion and was told to send the receipt verifying that the device was returned. I sent the receipt with the complete explanation and received a report that the report was correct. Transunion could not have verified this with XXXX, because XXXX would have authenticated its system generated receipt number and employee number. Secondly, Transunion would have verified that the reduction in the balance was a credit from XXXX NOT a payment and where the {$10.00} difference came from. It seems like Transunion isnt verifying evidence but has an interest in these collection agencies.
Product: Credit reporting

Inquiries from XX/XX/XXXX-XX/XX/XXXX need to be removed
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXXXXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XX/XX/year> Experian 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I believe my credit report contains fraudulent accounts opened without my permission. Please ensure they are blocked and removed.
Product: Vehicle loan or lease

This lender is now considered a predatory lender after thorough research on this company. The name is credit acceptance. I have a car financed with them and made payment arrangements on the vechicle. We both agreed that there is a contractual obligation in place but they would make an exception and allow the payment to be made late. This was considered a verbal contract made on XX/XX/2019. At which time they said they would accept the payment on friday XX/XX/XXXX in the interim they repossed the vehicle on XX/XX/2019. They were contacted about this on XX/XX/2019 and the  supervisor, XXXX advised that it was a system error. 

I requested the car to be released with just one payment which i was only due for one payment and it was 17 or so days past due. They stated they would not waive any  fees. Im filing the complaint so that they may be reprimanded and also im seeking punitive and physical physical damage from the company as well through a lawsuit. 

XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX TN. XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBER COMPLAINT AGAINST : CREDIT ACCEPTANCE
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 confidentially under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

Account name : XXXXXXXX XXXX XXXXXXXX has violated my rights. 

Account name : XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my permission.

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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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: Checking or savings account

I deposited {$4500.00} from my employer yesterday to buy equipment I needed for my newly acquired job. The deposit was originally put on hold for a little over a week, and when I woke up and tried to login to my account I got an error saying 'No match found. Please create a new User ID and Password. '
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records. I've proactively remembered this report from 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 XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached fraudulent inquires that I am disputing on my credit report. I have received several notices regarding security breaches that I believe are responsible for this activity on my credit report. I am requesting for all three credit bureaus to remove this inaccurate information from my credit report.
Product: Debt collection

XXXX which is not clearly licensed in California and operates from Ohio is trying to collect a 2.7 % surcharge on a service at XXXX XXXX XXXX. I am assuming this debt is for my child since I personally have never been to XXXX XXXX XXXX and XXXX has been unable to prove that I have been -- just a bill in my name with my insurance ( XXXX XXXX XXXX XXXX XXXX ). In their statements they note that they accept assignment and that they have been paid {$140000.00} but that they absolutely need another {$38.00} on top of that, or they will continue harassing me and ruin my credit. Huge claims for a debt that I did not incur and for which they have already been paid {$1400.00} which is 97.3 % of what they claim is " owed. ''
Product: Money transfer, virtual currency, or money service

Hello, I opened a new PayPal business account on XX/XX/XXXX and received the first Payment on XX/XX/XXXX of {$390.00} via my XXXX XXXX which I have had for a couple of years. My new trademark and company just finished registration so I switched out the prior paypal account to my newly registered XXXX. After I received my first order to the new PayPal account, PayPal asked to verify my Identity which I immediately complied to. Soon after that they permanently suspended my account without giving further explanation. I have been legitimately running my business for many years without any problems and my shop is in great standing with almost only XXXX star reviews. 

I also called PayPal customer service for XXXX minutes but they didn't want to disclose further information or help to resolve this issue and the customer service agent got quite rude.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit card or prepaid card

This item WELLS FARGO is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX  Bureau. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about this complaint.
Product: Student loan

I asked for a school misconduct application, I have a borrowers defense approval, was part of the group discharge, the school I attended was part of proven misconduct and my application for private loans was denied with no explanation. I would like an explicit explanation of why my application was denied. 

To date I have paid back more that I borrowed on my loans, but still owe more than I borrowed.
Product: Student loan

navient-formerly sallie mae, dept of ed has student loans listed at times that i was not attending college. i also had only XXXX in student loan debt and some years ago then i jumped to XXXX even though i was not in college at the time and now, it has jumped to XXXX. huge jumps from XXXX and i have not used any type of student loans since early XXXX. that last student loan was at XXXX XXXX XXXX in XXXX. why am i being gouged like this. i did not incur all of this. i have reported numerous times that my identity was stolen and have fraud alerts and several confirmations from the federal trade commission including two police reports in which the last one was obtained because someone stole my amended tax return info through the united states postal service. please resolve this. they also reported the same student loans multiple times on my credit report to make it look like i have more debit that what i actually have. for example, one student loan ( with the same account number ) is reported three times even though it is only one loan. i tried to apply for a home loan and the banker caught the fact that they were reporting the same loan several times to make it look like i had several loans or what bankers call trade loans.