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

Idaho XXXX XXXX XXXX along side XXXX XXXX, XXXX, XXXX and Experian are all actively reporting incorrect information regarding a balance on an account. 

The balance is for {$6800.00}. This balance was paid in full, and has been for years. 

This needs to be removed, immediately, from my credit. 

This letter also serves as a letter of demand with intent to sue in accordance with the FCRA section 605. The aforementioned agencies will be receiving formal summons to appear in a civil court for violating the FCRA, FDCRA and consumer finance laws in accordance with state and federal guidelines. As such, the State Attorney Generals office and Department of Finance, along side state licensing board will receive complaints of illegal debt collection and reporting. 

You have until XX/XX/XXXX to comply with this lawful request for deletion of illegal debt reporting, no further communication will be sent, if this is not removed by the aforementioned date this will be seen in court for the before listed companies involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out to XXXX, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 


According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. 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 ( XXXX ), 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
Product: Student loan

I have tried to make my first payment on my student loans three times to edFinancial. Twice from my checking account, and twice from my savings account. All 3 times it would show that my payment was made, nothing would show in my bank account, and then days later it would say " payment reversed ''. I called XXXX, waited XXXX hours, and they told me that I put my number in wrong probably, which isnt possible as I was copy and pasting directly from bank website and did this three times. They then told me to call bank as theyre the ones rejecting the payments and im going to lock my account if I keep trying. Called the bank, and they had ZERO record of me ever trying to make any payments. Still unable to make payments. Even found a XXXX chain where hundreds of people are experiencing the same issue. See below : https : XXXX
Product: Money transfer, virtual currency, or money service

I have submitted a complain last week, but the wrong money transfers were reviewed. Please read this thoroughly, as well as looking at the screenshots to ensure proper case review. 
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulentinvestment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank transfer and debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing Branch Banking and Trust services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I opened an account with XXXX XXXX XXXX I paid off my Account with XXXX XXXX XXXX in XX/XX/XXXX. I waited two months before I first disputed my credit report. The collection has been cleared from both XXXX, and XXXX, but Equifax fails to remove the collection from my report, even though it states that the collection has been closed, due to account pay off, and the account balance is XXXX. I call XXXX XXXX XXXX to make sure they reported it to all of the credit bureaus and they stated that they told all of them. Equifax still will not remove the collection from my credit. I 've called them and never get an answer, I disputed the collection over 5 times and I just did it again. Please look into this for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. Judge XXXX XXXX XXXX of the United States Bankruptcy Court, District of Minnesota ; signed 5 orders disallowing claim for further payment on my private student loans, through a company called XXXX ( XXXX ) XXXX XXXX XXXX. These 5 claimes are for each lender that XXXX " claimed '' to have ownership of my loans. The 1 original company that had ownership was called XXXX. XXXX went bankrupt and closed in XXXX XXXX XXXX  refused to acknowledge this Bankruptcy and closure of XXXX  and continued to request payments and harrass me. They changed my privacy policy to list a subsidiary company of XXXX known as XXXX XXXX XXXX XXXX. as the new lender. This was after I informed them of the closure. They told me that they needed to be informed by XXXX of their closure in order to do anything about it. XXXX continued to charge me until I went into Bankruptcy XX/XX/XXXX. Before this XXXX  attempted to tell me that XXXX XXXX was my new lender. XXXX XXXX denied being my lender. They claimed to be the lender for a trust portfolio of only 1 % of the total loan. However, in XXXX XXXX XXXX cut business ties to XXXX to to fraudulent activities on XXXX side. XXXX was and still claims that XXXX XXXX is a lender. They also changed my privacy policy AGAIN after this happened. XXXX also has XXXX XXXX  listed on my credit report as a current lender. XXXX XXXX  has no record of my accounts. Every company that XXXX has claimed as a lender has been given an order to disallow claim. I have filed multiple claims with the credit Bureaus, and each time they dismiss my claims by allowing XXXX to not show any documents or proof that XXXX, XXXX XXXX, XXXX, and now XXXX XXXX XXXX XXXX has my loans. XXXX and XXXX no longer exist, XXXX XXXX  has no record of my accounts as of current. They opened the loans in XXXX and immediately sold to XXXX. XXXX XXXX XXXX  XXXX was designated as soon as I filed for bankruptcy and XXXX was privy to me fitting to discharge my loans. Transunion, XXXX, XXXX  wont take anymore disputes. There is always an error that happens that im informed of. XXXX has also said they refuse to comply with the court order. They said that the claims have to show extreme financial hardship. Last time I checked the only way to have student loans discharged in Bankruptcy is to prove just that very thing. That is how I have 5 orders. Because I infact am experiencing an extreme financial hardship. My bankruptcy was just closed, so it currently shows that the accounts are closed, but they are kn fact still open, and XXXX refuses to correct the issue.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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 XXXX days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to retrieve a credit report by using my tax identification. I do not have a social security number. I contacted all three credit bureaus [ XXXX, XXXX, and Experian ].  Customer agents could not provide me with a credit report via mail.
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 XXXX5 USC 1681. 
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 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: Mortgage

On XX/XX/2023 I signed a note and deed of trust for a mortgage. I believed that after signing the note it would be hypothecated and securitized to pay off the loan. I received a letter from the lender saying someone else is servicing the loan. The servicer reached out to me with their information only but no disclosures as of their terms and conditions only where to send payments as if i never gave them a security. The lender is in breach of contract because they did in fact securitize the note but never applied it to the principal as stated in the deed of trust under section 2 APPLICATION OF PAYMENTS. Also, The lender never signed the note or the deed of trust so these are not even valid contracts. And they never perfected a lien. I believe the lender has engaged in securities fraud.
Product: Credit card or prepaid card

XXXX emailed me a credit card offer XX/XX/2021. Offer said " Open XXXX Mastercard issued by Synchrony Bank & spend $ 300+ w/XXXX within 30 days & receive a {$60.00} statement credit. '' I opened account on XX/XX/2021, was approved instantly by Synchrony & program eligibility for purchases ends XXXXXXXX XXXX. I made a purchase on XX/XX/2021, & called XXXX to insure purchase was applied. They advised I must link credit card to get purchases credit but card wasn't linked. I called back several times to record my complaint that I called Synchrony & they refused 1. -to link card to my XXXX account, 2.-would n't give me card info securely so I could link it, 3.- wouldn't extend 30 day period past XX/XX/XXXX since card won't arrive until mid- XXXX XXXX XXXXwould n't credit my {$130.00} purchase XXXX said bank controls program offer. I had called Synchrony bank on XX/XX/XXXX. I tried to resolve problem with XXXX & Synchrony & was not able to with either. Spoke XXXX last on XX/XX/XXXX & finally got issue recorded & escalated. I don't have Card yetXXXX I feel since Card isn't automatically linked or I can't get card information to link card myself or program time extended, that offer advertisement is deceptive. The Bank is cheating me by curtailing the time that I have to make purchases on new credit card in order to save the {$60.00}. credit, which is a deceptive advertising & trade practice. XXXX is also complicit by not revealing the linking requirement or that bank won't auto link the card to my account & the fact that period starts immediately @ account opening, not after receiving card & that their would be a delay in receiving card. 
Synchrony Bank New card Division is XXXX XXXX XXXX, XXXX, Fl. XXXX, XXXX w/headquarters in XXXX Utah, XXXX www.synchronybank.com . 
XXXX headquarters XXXX XXXX XXXX, XXXX XXXX, Ca., XXXX, XXXX XXXX As remedy, my {$130.00}. purchase on XX/XX/XXXX be applied to program spending minumum & I be given extra time credit for days I don't have possession of card.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Debt collection

I have been given incorrect information numerous time about my auto loan with GM Financial. I was collected upon when a payment was not due yet. I was told the due date was changed from XX/XX/XXXX to XX/XX/XXXX. I continued to call to verify with their automated system, live agents, and their corporate complaint line and even social media complaint line. I was current on my loan as of XX/XX/XXXX. The due date was changed and verified to be due on XX/XX/XXXX. I am now getting emails from them stating my account is past due when it should not be. I have not been sent any paperwork I requested for a due date change in writing. My statements do not accurately reflect the pay history as they state a payment was returned when I show it is posted. These are the outgoing calls I have made include the following in regard to the complaint. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX call made at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I advised XXXX the social media complaint agent to call my cell phone today with no answer. I also called for a manager call back again and I am getting no service from this company. My complaint and my loan are not being serviced. I have been given conflicting and wrong information on nearly every call I placed. There is no consistency. I feel like I was lied to and strong armed into making a payment that wasn't due yet and when it was collected, I was told my due date would be changed based on being current and is not.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$4000.00}.
Product: Mortgage

I have been working with Quicken Loans, Rocket Mortgage, since early XXXX to purchase a home in XXXX XXXX, Oregon. Asking price was {$480000.00} but we talked them down to {$470000.00} and I was pre-approved while working with XXXX XXXX, Mortgage Banker, with a closing date of XX/XX/18. I have provided everything typically asked for such as bank statements, rental lease agreements, pay stubs, homeowners insurance policies, etc. 4 days before closing I am contacted by XXXX XXXX ( Senior Purchase Specialist (? ) and told my debt to income ratio was a little too high and that in order to improve my ratio, I need to take my non-working wife off the loan, show liquid assets to cover an {$8000.00} school loan I cosigned to help my cousin attend college, buy out my PMI, and buy down my interest rate from 4.375 % to 4.2 %, all for an increase in closing costs by about {$17000.00}. I was told I can either show liquid assets or show I'm a co-owner of a brokerage account with value over and above my liabilities. The next day, I speak with a XXXX XXXX, Solutions Specialist, and told that they can not move forward with the loan but can not tell me why. I am transferred to XXXX XXXX ( Executive Relations Specialist (? ) and told the same thing and that Senior management had made the decision, but she is not privy to the specific reason why. Meanwhile, my house is completely packed, my non-refundable one-way plane ticket is purchased, and the sellers are standing by waiting to sign since closing is 3 days away. After contacting XXXX, again, I am told she can send me a denial letter, and the reason for the denial is " Debt to income : non self-employed income not supported. '' In trying to confirm what this meant, I am told that it is up to my interpretation, and that when Senior management looked over the notes in my file, they decided that they were not comfortable moving forward with the loan but would not disclose the specific reason why. My Realtor spoke with XXXX and was told something different than I was told : I was dishonest with some information I gave them. 
All I want is a specific reason why my loan was denied so I can at least move forward with piece of mind on what I can do better next time. I thought ECOA required lenders to provide a concrete reason to consumers when denied a loan. I have attached a copy of the denial letter and phone conversation as evidence to the above. Please let me know if anything else is needed. Thank you for taking the time to review my case.
Product: Vehicle loan or lease

XX/XX/XXXX - Buy XXXX XXXX from XXXX XXXX XXXX and Westlake Finance as the financing company with {$6400.00} Amount Financed 10.15 % APR, 36 months to pay with a Financed Charge of {$1000.00}, Total payment of {$7500.00} and payment of $ XXXX/month for 36 months beginning XX/XX/XXXX XX/XX/XXXX - cancelled the extended warranty worth {$1300.00} So now the Principal Amount/Amount Financed was reduced. 
The WESTLAKE FINANCE told me to pay the same amount $ XXXX/month, nothing has been reduced, so I asked them to send me a new updated accounting but until now nothing. 
What I understand is my payment of {$200.00} have a fixed rate, meaning fixed monthly Finance/interest charge and fixed monthly Principal amount, but every month said interest and principal amount keep on chaging. Again I asked them thru email to explain. 
I have made 4 monthly payments already and the account statement that they are sending have different amount in interest and principal, and until now they have nit sent me an updated account where I can see how long will I pay and the adjusted amount and every important details that can be easily understand.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that there were accounts that were not reporting accurately and that were incomplete. According to the F.C.R.A 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. 

I disputed the information with the credit reporting agencies, but nothing changed or was corrected. I sent them a letter to reinvestigate these accounts listed below because : [ XXXX / XXXX XXXX ] the closed date, last activity and payment history are not correct. This account is not accurate. 

[ XXXX La ] the last activity and payment history are incorrect. This account is not accurate. 

They have not responded to me. 
[ XXXX ] the closed date, last activity and payment history are incorrect. This account is not accurate. 

[ Us XXXX. Of XXXX ] the closed date, payment history, and last activity are incorrect. This account is not accurate. 

[ XXXX - XXXX ] the delinquency information on this account is incorrect. This account is not accurate.
Product: Debt collection

Disclosed on my Consumer Report is a charged off account from XXXX Bank for XXXX dollars XXXX15 U.S. Code 1681c - Requirements relating to information contained in consumer reports a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with XXXX, XXXX, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( 3 ) CB could not show me a verified contract but the balances still remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX XXXX Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX XXXX Acct XXXX - reported bal {$380.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX XXXX Acct # XXXX - Reported bal {$250.00} Jason Craig & Assoc -Acct # XXXX - Reported bal {$390.00}
Product: Credit card or prepaid card

I am writing today in regards to my account with Barclays Bank Account # XXXX The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2021. Due to Covid I was unable to make the payment in XX/XX/2021. As soon as I was able to, I got my payment made and caught up.
Product: Debt collection

They keep calling non stop from different numbers and texting me past XXXX oclock. This is their website XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX about inquiries on my report that were n't authorized by me. I also contacted XXXX about a glitch in their reporting that removed inquiries and they replaced them my report without giving me notice in the mail 5 days prior as they should.