23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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, 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Earlier in XXXX I received a summons on behalf of XXXX and financial from the XXXX XXXX XXXX. This summons told me that I had a specific amount of time in order to answer some allegations against me. When I went to file my answer, I spoke to [ redacted ] on XX/XX/2022. 
[ redacted ] went over my options and let me know they would prefer me to not file an answer, and that they would wait for the default motion. 
I stopped [ redacted ] and let her know what that means. The term motion to default. 

I asked her if [ redacted ] meant for me to not respond to THEIR initial motion towards me ( which they openly told me I would be paying for ), so I would fall guilty towards any prosecution immediately. 

[ redacted ] stopped and laughed nervously at me and said, well no not exactly there is a lot of legaleses. 

I think you know as well I do this is false information. 

I worry not only about myself in this circumstance but anyone who may not be financially or legally savvy to catch someone lying about finances or legaleses. 

I think she was trying to weave a tale that default meant something different that may have worked on previous accounts. Please stand for justice. I cant imagine Im the only one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number # XXXX is showing on my report multiple times and is ruining my credit, it should only be one account. I have tried numerous times to get these duplicate accounts removed to no avail. This account is a US Dept of ED/XXXX/XXXX # XXXX has been deleted from my credit report the other accounts showing the same account number need to be deleted as well. Account # XXXX is a XXXX XXXX account but XXXX XXXX was the original creditor. The XXXX XXXX accounts have been deleted from my credit report. XXXX  former name was XXXX XXXX and the XXXX accounts have been deleted as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX seems to have problems with my credit file.I notified them that on XX/XX/2018 XXXX credit works premium was unable to pull a equifax report and has not been able to since.After talking to Equifax I have sent in by fax my ID and address info. they requested.No one can pull an Equifax file on me.I can not either through annual credit report.com.I can not function in the credit world due to Equifax computer problems.

Could we make XXXX part of the BIG THREE and tell Equifax to go to another country?

I ordered a credit report from Equifax Shortly after XX/XX/18 and it has not arrived.They keep saying they are mailing one but it doesn't arrive.I have no problems with XXXX or XXXX   reports.
Product: Credit reporting

XXXX XXXX XX/XX/XXXX XXXX FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; This is not my NAME : XXXX please removed XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX this is not my name : NAME : XXXX please removed XXXX XXXX XX/XX/XXXX XXXX FL XXXX
Product: Debt collection

Midwest Recovery has recently purchased a debt that I do not owe from XXXX XXXX and after repeated attempt to ask for verification that I owe the debt I have not received a response or verification. The debt has past the statute of limitations according to my state laws in Texas. I am also aware that re-aging of a debt in an attempt to collect on a debt is also illegal under the Fair Debt Collection Practice Act. the most current date on this collection is XX/XX/XXXX for the amount of {$980.00}. I also have proof that this account was should the first date of delinquency is XX/XX/XXXX which mean the account was re-aged in an attempt to further collect on a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a 6 month deferment on my student loans, and halfway through the deferment, I started to see late payments being reported on my credit. I worked with FedLoans for 1  year to try and get this corrected, and they would not correct it. They denied that my deferment was effective even though I paperwork to prove that it was. I was granted an economic hardship deferment covering the period in which I was supposed to be paying, according to them. Eventually, even though they admitted I was in deferment, they won't correct my missing payment information. So basically, they were supposed to have me in deferment but on accident did, then they corrected it and made it effective retro-actively.
Product: Debt collection

This is my second time requesting this to be updated on my credit. They took it off to place it back on my credit a month later.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit act XXXX XXXX XXXX XXXX Account # ( XXXX ) 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 reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

SOCIAL SECURITY NUMBER XXXX CUSTOMER DATE OF BIRTH XX/XX/year> CUSTOMER NAME XXXX XXXX XXXX
Product: Mortgage

In 2017 I was given a quit claim deed from what was then my landlord to assume the rights to the property I was renting due to his illness and our close relationship. Soon after he was killed in a tragic accident. I contacted wells Fargo after registering the deed with the county and was told I had no rights and that the home would be foreclosed on. I then received a letter stating I was not responsible for the property or the debt and that the documents were a formality. I contacted several attorneys and was told I needed to deal with the executor of the estate who I had never met or has never had anything to do with the the property and who is legally XXXX and under someone else 's care. After being taken out of work because if the XXXX XXXX issues I was dealing with from XXXX I continued trying to save my home but ran out of finances and was still being told there was nothing I could do I was no longer able to pay. The mortgage was XXXX in default. At the end of the foreclosure proceedings I made one last attempt and was told by the lawyer that in the documents filed that I was accused of forging my deed which is Untrue and that the property was going to auction. The day before the auction a perspective buyer approached me at the home and in formed me of the rights I in fact had and offered to pay the delinquency in order to keep the foreclosure from effecting my credit. Unbeknownst to me I could have saved my home and would not be homeless for the last 2 years and separated from my family. I had no other choice but to agree and have since lived like a vagrant and have suffered physically, mentally, emotionally and spiritually.
Product: Checking or savings account

On XX/XX/2016 XXXX XXXX from XXXX XXXX in XXXX, Texas with a phone number of XXXX closed my CHECKING account XXXX days before HE KNEW my automatic deposit would be arriving because I had this account since XX/XX/2016 when I opened it up at XXXX XXXX XXXX, XXXX, Texas XXXX with XXXX XXXX # XXXX under account number XXXX ; XXXX XXXX or XXXX XXXX then accepted my funds of {$2000.00} XXXX & then DID NOT return them to the issuing financial facility until 10 days later BUT suggested I stop by XXXX XXXX in XXXX, Texas to see if I could pick up the cash from this location when I was IN XXXX, Texas XXXX XXXX, Texas at XXXX XXXX XXXX XXXX Washington, Texas XXXX ( XXXX ) where XXXX & XXXX were tellers & so nice as well as XXXX plus to my knowledge I have never met XXXX XXXX or XXXX XXXX because I only stopped by XXXX, Texas bank on a handful of occasions & used the DRIVE-THRU because I was headed to Washington or XXXX, Texas to see family
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXXu, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX stated they would help improve my credit score and for nine months I paid XXXX dollars and my score did not improve and every time I sent an email requesting to speak to someone they would send me a boiler plate letter staing their method is proven and it takes time. I did what they said by sending them the responses and nothing was done. They never sent me a copy of the letters they were sending per my request so I dont know if they did anything or not.
Product: Debt collection

In XX/XX/XXXX, I purchased an XXXX home internet device, hoping to have reliable high-speed Wi-Fi for work. However, after a month of using the service, I was disappointed with the Wi-Fi 's strength, which didn't meet my needs. In response, I contacted XXXX 's customer service, and they advised me to return the device and settle the bill for XX/XX/XXXX. I also requested the service be disconnected since I was no longer using it. 

I promptly paid the billed amount and ensured the device was returned as instructed. However, my situation took an unexpected turn when I began receiving harassing calls from a debt collection company named Sunrise Credit, claiming I owed XXXX {$210.00}. I firmly explained that I did not owe such an amount and immediately contacted XXXX once more to rectify the situation. XXXX acknowledged their error and assured me they would rectify it and communicate this to the collections agency. 

I believed the issue had been resolved until Tuesday, XX/XX/XXXX, when I received an alert stating that a derogatory remark had been added to my credit report by the same collections agency. Once again, I reached out to them, only to encounter a rude staff member who talked over me and insisted that I needed to pay to avoid further damage to my credit. 

At this point, I find myself with no alternative but to seek a resolution to this matter to clear my name and credit report.
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 me 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 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
Product: Credit reporting or other personal consumer reports

They refuse to report my correct address that I have lived at since XXXXXXXX XXXX XXXX even though I have uploaded and mailed documents to show I live at this address. 

My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Product: Debt collection

Midland Funding of XXXX, MI or XXXX XXXX, CA uses unfair tactics in reporting debts and collections. They report the same debt twice and they refuse to remove the duplicate information even after you contact them and file a dispute with the credit agencies. As a matter of fact, after I asked them to remove the duplicates they added another account with duplicate info.
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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN TRYING TO FILE A DISPUTE WITH EQUIFAX AND IT IS ASKING FOR A 10 DIGIT CONFIRMATION CODE BUT THERE IS NO WAY OF GETTING THIS CODE. iT SEEMS THAT THERE IS ALWAYS SOMETHING THAT PREVENTS A PERSON FORM ACTUALLY BEING ABLE TO GET ANY INFORMATION FOR THE CREDIT BUREAUS.
Product: Mortgage

Company : American Financial Network , Inc . 
| NMLS # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Company personnel failed to conduct themselves in a professional manner that proved detrimental to my refinance process. Lending company utilized a 3rd party appraisal company and failed to follow up when appraisal was not only inaccurate, but misleading. instead of working with buyer to rectify situation within the 24 hour period, company negligently sat on accurate property information, which was requested to address the inaccurate appraisal report. Loan officer advised appraisal was already submitted on Wednesday XX/XX/XXXX with 24-48 hour turnaround ; however, after I had to chase down leads on XX/XX/XXXX to gain an accurate status to eventually speak with the actual appraiser whom informed he'd never received any request to redo the appraisal. Company then displayed ineffective and egregious communication tactics which caused the required comps to refute the original appraisal of property to become invalid. Company was aware of the inaccurate appraisal report and overcharge of said report and informed me to " deal with it, as appraisal company does not have oversight ''. When I informed that was unacceptable, company responded in aggressive tone and demeanor, with the attempt to gaslight into silence. I have attempted multiple emails to cancel this process and am actively being ignored by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX who has responded, however XXXX, XXXX and Transunion still reports fraudulent inquiries from a XXXX account that someone fraudulently attempted to use with my social security number. I still show the following inquiries on my credit report.
Product: Student loan

Hello, I am back again to discuss Navient. I have been having problems for a while. My federal loans are on a more affordable monthly payment. However I am having problems with the private. I received a letter yesterday from my federal loans demanding the payment of my entire loan in full. I was confused because i had just started the new lower payment program. I called them and they stated that it was past due but later said i was up to date. He then told me it was my private loans. I spoke to the private loan department last month to discuss some options for repayment. The first person i talked to said that they could not lower the interest rate under 7. Her manger then told me he could get it to 1 but for only a short time then it would go back up. Then he presented me with a payment plan that would have been automatic and had other information about the plan he could not email me in writing. They wanted me to listen to a voice automation that was talking so fast that i did not feel comfortable agreeing with the terms. he told me to just keep replaying until you understand!!! I was taught to read before you sign. He made it seem like it was an offer I had to take or would lose it. He kept telling me that he could not email me the document. I cant get anywhere with the private loan side. I would like from them to send me copies of all of my history. I would like to see the original document i signed at XXXX XXXX. I also would like to receive the document with that payment plan that they could not provide. I strongly felt bullied in that situation. I would like for them to send me the correct info. Are they going to help with my private or are they demanding the money i dont have, and cant borrow. They stopped taking credit card payments but even still at this current time i cant give them the full. My salary is just as much as my loan. I cant switch careers because its hard finding a Job as is. I have been paying on my loan for since 2009 and i just started having issues. 8 years of payments and my loan has gone up.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$10000.00}
Product: Mortgage

I very respectfully request a throughout review about the below claim against Freedom mortgage. I sincerely hope that it is resolved on my favor. 
Freedom mortgage has been reported the credit bureaus XXXX, XXXX and XXXX a late payment since XXXX 2015 which has been brought my credit score gradually very low to the point that I was denied a credit transaction. 
I have been greatly affected by this report and have been requesting them several times to fix it to no avail. I am still showing late and my credit score is dropping dramatically. It got to the point that one representative told me to not worry about it that they have all my payments done on time and that was a system mistake. All the times I spoke to Freedom mortgage officers the call was announced to be recorded so I am assuming there are plenty of recording to follow out conversations about my payments that prove I have been asking them many times to fix the issue. 
On XXXX XXXX, 2015 I applied for a refinance loan and was declined. The mortgage office told me I had been late in a mortgage payment since XX/XX/XXXX with Freedom mortgage and with that I was automatically disqualified for a mortgage refinance. 
I immediately call Freedom mortgage but they seem to not understand what is going on and just keep on saying it is going to be fine but the damage is done and they are not fixing it. Nobody has reached me with solutions either. 
I sent the paper work to the credit bureaus but I have not been contacted nor I see any change in my score. My problem needs to be solve with urgency as I am desperately need to refinance a mortgage with very high rate. I am experiencing financial loss due to the false report.