23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I had a student loan from XXXX XXXX from XX/XX/XXXX. This loan is paid off and closed on XX/XX/XXXX. There was no late on this account. XXXX and XXXX never reported any late for this account.But on Equifax file a 150 days late showing XX/XX/XXXX.The previous 4 months starting from XX/XX/XXXX- XX/XX/XXXX, it shows no late.All of of sudden a late of 150 days showing for XX/XX/XXXX.If a student loan is late for more than 120 day, it goes into default status but in this case there was no default reported.If previous 4 months showing no late or payment made on time then how would it be 150 days late in just one month. Equifax has no answer for that and every time I dispute the account, they report back as verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXXXXXX XXXX company submit an application for a loan for me and they asked the Credco credit company to run my credit report without my authorization and my consent. I recieved by mail a copy of my credit report and a Loan application number, and I didnt ask them to do that.
Product: Credit reporting or other personal consumer reports

Billing mistakes appear on my credit report, showing inaccurate late payments. Kindly resolve and update.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding the handling of my personal information by XXXX XXXX XXXX organization. On XX/XX/year>, I contacted XXXX XXXX XXXX to inquire about the presence of my data in their records. A representative confirmed that my information was indeed included. 

However, I subsequently requested an opt-out from XXXX XXXX XXXX, which was denied. As a consumer, I believe I have the right to control the sharing of my private information, as outlined in the Fair Credit Reporting Act ( FCRA ). Specifically, the FCRA emphasizes the need for fairness, impartiality, and respect for consumers privacy. 

Furthermore, I understand that financial institutions, including XXXX XXXX and XXXX XXXX XXXX, are considered furnishers of information to credit agencies. According to the FCRA ( Section 604 ( a ) section 2 states that, in general subject to subsection ( c ) any consumer reporting agencies can only provide a consumer report based on written instructions from the consumer. 

My rights under the FCRA include the ability to revoke any previous consent, whether it was verbal, non-verbal, written, implied, or otherwise. Additionally, 15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. ( FURNISHER OF INFORMATION TO CREDIT AGENCIES ) Never informed me of my right to exercise my nondisclosure. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ). no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than XXXX years. This account is an adverse item they are reporting again without my permission which is against the law 15 U.S.C 1681 s2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 b of this title early warning service are not maintaining reasonable procedures. Also 12 CFR 1016.7. states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services I kindly request that Early Warning Services provide clarification on the authorization they received from the financial institutions ( XXXX XXXX and XXXX XXXX XXXX ) to include my information in their records. Additionally, I reiterate my request for an opt-out from your services.
Product: Credit reporting 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my TransUnion credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ).

And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed 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 item of information that the Information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to 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. 




Delete account XXXX XXXX XXXX from my credit report. Delete account XXXX XXXX XXXX from my credit report, because of multiple violations of the fair credit reporting act.
Product: Money transfer, virtual currency, or money service

XXXX XXXX was offering puppies for sale on XXXX. I inquired. She requested {$100.00} be sent to hold the puppy. After doing so thru XXXX, she requested more money. I told her I'd give her the rest in cash. Once i requested the {$100.00} back, she blocked me. I contacted Chase, & they said they had no recovery.
Product: Credit card or prepaid card

You have refused to answer any of the questions. The letter that you received from my wife was from a nasty divorce. Even in the letter which has been subpoenaed from XXXX it admits that her son made the charges. This is against the American Ex press terms. Only people on the card can use it. So everything youve listed isnt correct. 

1. This was fraud. You have not shown me any receipt s that indicate its not fraud.

2. The letter was a year after the case was closed. I was refunded the fraud which you investigated yourself. 

3. I have not made any charges since XXXX 2016. 
4. My wife and I are going through a nasty divorce and she collected half of the refund for the fraud. Knowing the card account is in my name why else would she do this a year later. 
5. Show me proof of all the receipts and signatures. 

6. Youve not answered one question Ive asked from you when this was submitted. 
7. The numbers are all wrong. I was refunded XXXX. You said I owed XXXX and now its XXXX. 

8. My lawyer has subpoenaed the documentation and youre leav8ng me with no choice but to sue for damages. 

9. Respond to one question. FTC clearly states you have 2 billing cycles or 90 days. Answer how this was handled within that time period. 

I want your response to be give to a supervisor because Im XXXX and on the phone you threatened me to ruin my credit if I didnt pay. I fall under the Americans with XXXX act and you know that and thats why youre doing this to me. 



My requested resolutions are as follows -- 1 ) In accordance with the FTC, you have two billing cycles or ninety days, whichever comes sooner, to remove the fraud from my account ending XXXX. You did this and then you turned around nearly a year later and charge me back for a supposedly RESOLVED case because of a letter from my soon to be ex-wife stating now that the charges were valid all because I believe it is due to a nasty divorce situation. 
2 ) I want my account resolved to a {$0.00} balance 3 ) I want the credit reporting agencies that you reported negative information to, to be CORRECTED stating there is no debt on my account and that there is a {$0.00} balance, and have paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Mortgage

This is additional documentation for case XXXX XXXX XXXX XXXX being investigated by IL Attorney General
Product: Credit reporting or other personal consumer reports

i was a victim of the equifax data breach, they have confirmed that i was affected and my personal information was compromised in said breach, i have been disputing accounts on my credit report and they have not been taken off.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete all accounts listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a recent data breach. These accounts were opened or reported without my knowledge or consent, and I believe they are the result of fraudulent activity.

Please ensure that the following accounts are blocked, deleted, and marked as " fraudulent '' on my credit report : Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Please remove these items from my file. Here are the items that are erroneous in my file and need investigation : XXXXXXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$4000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Mortgage

I applied for a Heloc in XXXX XXXX XXXX. I signed Heloc approval documentation on XX/XX/XXXX. I contacted Third Federal on XX/XX/XXXX, when I had not received checks to pay off my creditors. At that time, I spoke with a young woman and she said that I should receive any day now. She put me on hold, spoke with another department and got back with me and told me that if there was any issue, someone would contact me, but at that time " Never '' said that they were going to put a stop payment on the checks. I received the checks the next day. Mailed XXXX  day USPS and after a week, payments had been posted. On the XXXX, I went back and checked to realize that the payments had reversed. I contacted Third Federal first thing Monday morning. Being placed on several holds, they verified that a stop payment had been placed on the checks- ( XXXX ) and that a new batch was ordered. I was never contacted or advised that this was going to take place. XXXX XXXX stated that they needed to do the research to figure out why. When I asked did they record phone calls, he said yes, in a manner in which, they would find out that the error was on me and not them.

I requested is that the funds be wired, in lieu of their error, but XXXX stated that was not an option due to the 'contract ' agreement, that the checks were the only option. He could not advise when I would receive the new batch of checks that was placed on the XXXX. They are sending out XXXX XXXX XXXX and no tracking system in place to confirm when customer is to receive those checks. I am being charged interest, not only from the creditors, possible check charges, for checks that had stop payments placed on them, but also charged interest from the heloc, and do not have access to those funds.
Product: Mortgage

Below is my copy the XXXX servicer. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Regarding : Account # XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX Ca XXXX Loan investor : XXXX XXXX Im not sure how far the predatory lending and financial abuse has to go and to how many government agencies I need to file complaints with, but if you do this to me you do to others. 

I received a call today XX/XX/XXXX from XXXX XXXX XXXX who claimed that PennyMac spoke to the investor and I did not qualify for the forbearance extension through XX/XX/XXXX because Im late over 15 months, even though I have a letter dated XX/XX/XXXX from Penny Mac stating that I do qualify until XX/XX/XXXX. 
The supposed reason for my POST DENIAL is that your company claims that I have been late 15 months. And if you want me to agree it is because YOUR COMPANY HAS refused to accept my payments from XXXX through XXXX OF XXXX with my ATM XXXX XXXX card ), If it wasnt for your companys refusal to accept my payments Im full within the timeline of the Cares Act that was extended until XX/XX/XXXX for the Pandemic Forbearance. 
My next step after the call : I reached out to XXXX XXXX and spoke to XXXX who opened a new case in addition to that she shared that my previous ( complaint ) case with XXXX XXXX was closed because I had failed to submit my financial application to the servicer for the loan modification and that the last communication with PennyMac was on the XXXX of XXXX. 
What happened to the application I faxed on the XXXX of XXXX??? why did you not provide that to the investor? I did provide the information for the Modification that was due by the XXXX of XXXX and your institution just refused to forward it to the investor. 
Instead your predatory institution sent me a denial letter on XX/XX/XXXX claiming that I had withdrawn my modification request. WHEN DID I DO THAT????? 

ARE WE BACK TO XXXX?? 

Dont be deceitful and dont lie to the investor. 

I demand that this be solved immediately, As I stated on my prior letter to you MR XXXX I have my senior parents ( XXXX & XXXX ) living with me and I wont let you take our home from us. 

XXXX XXXX CC : XXXX XXXX XXXX XXXX  XXXX XXXX Attorney General
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 3 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 investigate and corrected for erroneous reporting in my file are listed on my credit report U S DEPT OF EDXXXX XXXX Balance : {$200.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} US DEPT ED XXXX Balance : {$200.00}
Product: Credit card or prepaid card

I XXXX XXXX called into my discover card for an inquiry about if my son in law who is/was my managed user went through id-theft and paid the debt from XXXX XXXXXXXX with a XXXX  who would be responsible to write or pay it off. Generically, I answered my own question and told them that it was just a inquiry and not to dispute anything. However, the agent decided to dispute XXXX XXXX  and got 2 of my son in laws cards closed because they thought we disputed it even though we wrote a letter and signed it with our ids and statements stating these are valid and not to take further action, with that said they didnt listen and to this day months later when we did the XXXX in XXXX and they decided to dispute it on there own accord after my inquiry we were not able to have it undone despite the letters stating we withdrew all of the disputes and they would return the money to the proper institutions. This was never done to this day they keep saying we owe them money and the institution they took it from at the same time without anyones consent to dispute the claims. We called countless times and talked and emailed executives with no luck about this card and we are suffering massive credit harm from what they did and massive balances on these cards that were paid off. My son in law runs a business and cant produce what he needs because both of our credits were destroyed by there negligence and they are refusing to return the money and give us a letter of bank error so we could fix our credit. Everytime I call in there is no answers and they will not undo the disputes and send random letters such as now Im not responsible for the debt one week to being held responsible to still having to pay both institutions and everyone is suffering my wife is XXXX on XXXX and I can not downsize my home because my credit has been ruined and they will not fix it or respond no matter what I do or send them. I have documentation and letters of this confusing mess when all that had to be down was withdrawn and return the money to all institutions. Discover credit card has ruined my life and my son in laws with no remorse. We called every week for the past 2months and are fed up and need help
Product: Payday loan, title loan, or personal loan

On XXXX XXXX I applied for a personal loan with Sofi . I received a letter from the company stating that I was denied for a personal loan for reasons listed in the attached letter. According to federal laws, my rights have been violated for reasons listed in the attached letter. I have attempted to discuss this with the company and have not been able to get proper attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( XXXX XXXX ) maiden name ( XXXX XXXX ) have emailed LexisNexis at XXXX, spoken with numerous customer service representatives, sent personal verification to LexisNexis to retrieve a copy of my LexisNexis Consumer Report and this Risk Solution Agency refuses to sent my personal report which I am entitled to receive. This ongoing issue is started on XX/XX/ and have not been resolved. Can you please assist with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the year XX/XX/XXXX I lost all my documents, my emigration papers, driver 's license and social security from my self and my kids, I notify the Emigration Department and I realized in one of his appointments that other people were using my identity and that of my youngest son, in XX/XX/XXXX someone used my identity and that of my son who at that time was under age to register in a store for a marriage ceremony. I now observe that I have many accounts in my credit and addresses that do not belong to me, and 14 requests for cards and applications denied in my credit history, On XX/XX/XXXX the Department of Emigration and Naturalization granted me a XXXX XXXX to solve my problem ... that document I am including in this letter. 

Thank you. 

XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX ) XXXX XXXX Subject : Request for Removal of XXXX XXXX XXXX Account Due to Court Ruling I am writing to formally request the removal of an inaccurate item from my credit report. The account in question is listed under the name XXXX XXXX XXXX, with the account number XXXX This account should no longer be reported on my credit file due to the following court ruling. Enclosed is a copy of the court statement, which clearly states : " ON THIS DAY, came on for consideration in the above-entitled and numbered cause the Receivers Motion to Terminate Receivership ( No Funds to Disburse ). The Court, having considered the Motion, the records of this Court, and the evidence presented, finds that proper notice to the parties has been made, the receivership should be terminated and the Receiver should be discharged. Therefore, Receivers Motion to Terminate Receivership ( No Funds to Disburse ) is in all respects GRANTED as follows ; IT IS ORDERED that this receivership is hereby terminated, the actions taken by the Receiver during this receivership are approved, and the Receiver is discharged and released from further obligations or liability with regard to this receivership. '' As the receivership has been terminated, and there are no funds to disburse, this account is no longer valid. Therefore, I am requesting that you remove the XXXX XXXX XXXX account from my credit report immediately. Please investigate this matter promptly, and send me a confirmation letter once this account has been removed. I appreciate your timely attention to this matter. Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, credit reporting bureaus can block information from credit reports if the information is in dispute of fraud and/or if identity theft occurs. This is not a complaint but rather asking that while there's an ongoing investigation with XXXX XXXX XXXX XXXX that the credit bureaus block all disputes under investigation until the investigative disputes are completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a fraud alert to XXXX to remove this account off of my report. XXXX removed the account off my credit report but a couple of days later i see re added and continued to report on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX XXXX XXXX XXXX was fraudulently opened with my information in XX/XX/2020. I discovered this account my checking my credit report through XXXX. I've made multiple attempts at disputing this account and haven't gotten a resolution. This account is negatively affecting my credit.
Product: Debt collection

Received letter dated XX/XX/2022 on XX/XX/2022. This debt does not belong to me. I have disputed previously and the debt collector continues to send me mail. I wish to not be communicated with and wish to continue to dispute this debt. The debt collector is Capio Partners LLC located in XXXX, TX XXXX. Original Creditor reference # XXXX. Capio Account # XXXX
Product: Mortgage

We have had our loan with caliber home loans for the last five months. Every single month something is wrong with our account. We consistently get erroneous late letters and late fees. We have tried to pay early, we have tried to pay on time, we have tried over the phone and talking to a specialist. Nothing seems to work. Last week when I called the company, the automated system said I am enrolled in Covid relief program??? Then my loan says I owe the original loan amount and I am over 90 days late??? Now the automated system is saying something about a debt collection. We have never been late and have always paid on time. Caliber home loans is extremely frustrating and I am concern about my credit report.