23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was kicked out of the 11 month XXXX program at Lincoln Technical Institute after approximately 3 months because I was exceeded their XXXX consecutive absence policy. However, the reason I was absent was because I was in the hospital. I have the hospital record showing I was in the hospital during that time and I 'm also attaching a breakdown/explanation of tuition as well as the Lincoln Technical Catalog. I 'm currently taking them to court to settle the remaining tuition debt that they are trying to collect from me ( approximately {$7000.00} ) because I was kicked out of the program and was not allowed to complete their program. I feel like I should n't have to pay the amount because I was n't able to complete the 11 month program due to them kicking me out because I was in the hospital.
Product: Credit reporting or other personal consumer reports

Early Warning Services violated my rights multiple times according to The Fair Credit Reporting Act and I am entitled to up to {$1000.00} violation. On XX/XX/XXXX I was denied the ability to open a bank account at XXXXXXXX XXXX due to Early Warning Services reporting information that was not accurate. On XX/XX/XXXX I received my consumer report from Early warning services. I filed a CFPB complaint and on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 8 accounts in all were deleted. Attached to this complaint is proof that there were at least 8 transactions/accounts that were incorrect, or incomplete and I need compensation for these violations. Also I was humiliated due to me being denied at XXXX XXXX  and stressed out from the damage that my Early Warning Services consumer report caused.
Product: Mortgage

My financial Institution sends payment to Penny Mac every month and when their statement arrives at my house it is showing 2 months in default again.
Product: Debt collection

I can cancelled my gym membership with a company I wasnt satisfied with. So they would harass me in phone calls daily to the point I had to block the number since I was receiving 5+ call from abc finance.  They were claiming I owed them money and that if I didnt pay it they would send it to collections. I never once received any bills from to pay anything and I never received a bill that it was sent to collections. Now the company wont communicate with me what is going on and I have yet to receive a paper to settle with them. Plus I cant find anything that I owe them.
Product: Vehicle loan or lease

in the beginning of 2017 after purchasing the vehicle, we began having trouble keeping up with the payments. We were afraid of loosing the vehicle so we turned it back into the dealership so we would not have to go through with a repossession. We also made sure we paid in full what was owed. I recently ran my credit and it is incorrectly reporting as a charge off/ repossession. I take pride in maintaining my credit and have never had blemishes in my credit before or after this. Please have this information removed from my credit. I have reached out to the company many times before and we have not had any resolution.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I contacted XXXX XXXX and let them know I would be XXXX in XX/XX/XXXX to request XXXX XXXX XXXX. The representative let me know to send in my XXXXXXXX XXXX XXXXXXXX paperwork and the request would be processed. She told me to reach back out in 10 days to ensure the request was processed. I asked her to explain the benefits and she let me know the following : 1. Late payments would be reported to the credit bureau if I become late 2. Even if I become more than 90 days late, my vehicle would not be repossessed as part of the XXXX benefit. 
XXXX. I was eligible for four deferements as a result of the XXXX benefit. 
XXXX. My interest rate would be updated to 6 % and any future payment made would be applied based on the updated interest rate. 
XXXX. I would be eligible for the XXXX benefit for 24 months from the application of the benefit to my account. That would be XXXX XXXX to XXXX XXXX. 

I reached back out to XXXXXXXX XXXX on XX/XX/XXXX and spoke with a representative. She stated that my orders had been received and my request would be processed and I would receive a written notice as well as an email from the XXXX team when the request was completed. The email would be sent to the email address on my account and I confirmed the address. 

On XX/XX/XXXX, I would injured in duty and was put in a military treatment facility. I was initially released on XX/XX/XXXX. I contacted XXXX XXXX on XX/XX/XXXX to inquire because my credit report was saying that I was not 60 days behind on my payment. The representative I spoke with states she did not see any notation that I let anyone know I was XXXX and/or requested XXXX  coverages XXXX She also let me know that my vehicle had been picked up and towed and was ready to be auctioned. She stated unless I paid the full remaining balance, there was nothing I could do at that point to stop the sale of the vehicle and that I would be responsible for the remaining balance. 

I called and spoke with several supervisors at XXXXXXXX XXXX from XX/XX/XXXX to XX/XX/XXXX to plead my case for XXXX benefits, but was denied because my vehicle had already been repossessed. On XX/XX/XXXX, I was XXXX  and in a military treatment center until XX/XX/XXXX when I was released from XXXX XXXX XXXX 

I have since contacted XXXX to resolve this matter by phone with no resolution as well as disputing this account my credit report. All of these actions are in direct violation of the XXXX benefits available to me. My next step is to file a suit with the Department of Justice for non compliance of XXXX to assist me with these benefits and the unfair reposession and account balance that is now on my credit report. 

This inaccuracy needs to be removed immediately as I am entitled to my credit report being correct and free of inaccuracies. 

I am not seeking compensatory damages because the vehicle has already been sold and is now unreturnable. But I would like for this negative inaccurate account to be removed from my credit report immediately.
Product: Debt collection

To : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, XXXX XXXX Subject : Formal Complaint against Consumer ADJ CO Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Consumer ADJ CO for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Consumer ADJ CO placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with Consumer ADJ CO, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Consumer ADJ CO provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement XXXX contain clauses stating that the data being purchased might be inaccurate. If Consumer ADJ CO is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 

The date on my consumer report indicating that I opened an account with Consumer ADJ CO is blatantly false. I neither received any services or products from Consumer ADJ CO nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 
Moreover, it has come to my attention that Consumer ADJ CO is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. 

The actions of Consumer ADJ CO constitute clear violations of 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  ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 
Please keep me informed about the progress of this complaint, and want to thank you for your time! 
Sincerely, XXXX XXXX
Product: Mortgage

In XXXX of 2016 a formal notice of dispute was sent certified mail to Bank of America demanding the validation and verification of an allege loan debt, Bank of America failed to respond. In XXXX of 2016 a second notice was sent demanding validation and verification of an alleged debt, Bank of America failed to validate the debt. in XXXX of 2016 a third notice was sent and Bank of America did not validate nor verify the debt. 

Bank of America is in violation of Fair Debt Collection Practices Acts that require a debt collector to validate the debt they are attempting to collect on. Bank of America is harassing me, conspiring to defraud me out of my property, and violating Federal Laws which demand a debt collector to cease and desist collection activities prior to validation of alleged debt. Bank of America continues to attempt to collect on an alleged debt without strict proof of its existence. This falls under Frauds and Swindles laws. Bank of America is sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 - Fictitious Names. 

I also reviewed my credit report and noticed Bank of America published negative remarks to all XXXX credit agencies. This is defamation of character and a violation of Fair Credit Report Act
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Acctount # has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an opened consumer credit plan as a late for purpose.
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 XXXXXXXX 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 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: Debt collection

A physician has billed us for services we did not authorize and after non payment they have sent this to collections -- when we request verification by collection agency we are sent the bill. We have informed the credit agency that the bill is unpaid because we did not authorize the service. They then referred us to the physician whom we also requested verification of our authorization and none is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have used XXXX as my credit monitoring service for several years and in XX/XX/2022 I notice that XXXX, TransUnion, and XXXX had stop reporting my credit score through the XXXX Credit application even when I was paying the premium charge to XXXX every month. So, since they couldn't seem to fix the problem I down grade to the free XXXX app where I was not paying {$24.00} a month anymore. I decided to try and get all three of my scores again because I am getting ready to purchase another home. I opened the XXXX app on XXXX and paid the {$24.00} out of my bank account and still I can't get my credit scores from TransUnion or XXXX. I reached out to TransUnion and XXXX and they tried to get me to open a monitoring service with them but I don't want to pay separate services. Then today I get a letter from XXXX  Escalation service stating that they believe that my information does not add up to what TransUnion or XXXX may have. I have on several occasion reported that XXXX put the correct address and TransUnion as well. I don't need to pay for a credit monitoring system and the credit reporting agencies are playing with my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, it is EXPERIAN 's duty to report CORRECT and ACCURATE information on my credit report and file. However, they are NOT. EXPERIAN is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. This includes the report of 150 days delinquent on XX/XX/2018. This is INCORRECT and is supposed to be reporting as PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/ permission to furnish the inaccurate late payments on my report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY clear that EXPERIAN has violated my federally protected consumer rights and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.
Product: Debt collection

This debt from XXXX XXXX  is not valid. I went in to the bank myself and asked to close the account. But are now saying I owe. The business and everything attached has been closed for awhile now.
Product: Mortgage

The title to my home is impugned because of an attempt by a neighbor to change the boundary lines of my lot. I have filed a claim with my title insurance company XXXX XXXX XXXX XXXX, and a lawyer for Wells Fargo is interfering in the processing of my claim by XXXX. 

The claim should pay off the mortgage balance to $ XXXX and stop the foreclosure. 

Wells Fargo attorney is playing politics with my title insurance and valid claim against my policy ( filed in 2014 ).
Product: Credit reporting or other personal consumer reports

These accounts are inaccurate and fraudulent and should not be on my consumer reports. I am demanding these accounts to be deleted asap. 

XXXX {$300.00} XXXX {$540.00} XXXX XXXXS {$660.00} LVNV FUNDING LLC {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my account with  XXXX  back in  XXXX   2015 but  for some unknown reason, they are pulling my cred it 2015 until  now. I tried to dispute with Equifax but I was told that I can not dispute it since it is the account I had it before. I called  XXXX  but they told me to speak with Equifax. I am suspecting that somebody is using my name to obtain a credit card or something is going on here.
Product: Credit reporting or other personal consumer reports

As a foreign national, I have unfortunately fallen victim to identity theft. My consulate advised me to seek assistance from the FTC website. Although I am not proficient in English, I am providing the following information in the hopes that you can assist me. These accounts listed below do not belong to me ; someone has fraudulently used my personal information. Could you please help me by removing them from my records? Here is the list of accounts : XXXX  XXXX XXXX XXXX and XXXX XXXX  XXXX. 

Any assistance you can provide would be greatly appreciated. Thank you.
Product: Debt collection

I am disputing a collection account reported by Helvey & Associates on behalf of XXXX XXXX XXXX for a {$190.00} balance that I was never notified of. I am the property owner of XXXX XXXX XXXX, and my tenant/buyer contacted XXXX XXXX in early 2024 to transfer the utility service to their name. I received no final bill, no mailed notice, and no communication from XXXX XXXX about an unpaid balance. 

On XX/XX/year>, I received a text from XXXX XXXX confirming that a {$310.00} payment posted and that the balance on the account for XXXX XXXX XXXX was {$0.00}, this was the last message I received from XXXX XXXX regarding this account. ( I have attached this screenshot as evidence. ) Despite this, Helvey & Associates reported a {$190.00} collection to the credit bureaus on XX/XX/year>, which I only discovered through a credit monitoring alert. When I contacted XXXX XXXX on XX/XX/year>, the representative told me they could not help or explain the discrepancy. Then I called Helvey & Associates and spoke with a representative named XXXX ( ID XXXX ), who verbally confirmed that if I paid the {$190.00} balance, they would delete the collection from my credit report. However, she also told me they were not going to send this agreement in writing. 

This puts me in a position where I am being pressured to pay a disputed amount based on a verbal promise, which is neither enforceable nor compliant with best practices under the Fair Credit Reporting Act. This collection was added without due process, and I have made every effort to resolve it. The reporting is inaccurate and unfair, especially given the documentation showing a {$0.00} balance and no prior notice of any delinquency. 

I am requesting the CFPB investigate this matter and help facilitate either : A full deletion of this collection from my credit report, or A written agreement from Helvey & Associates confirming deletion upon payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, My complaint is regarding the credit reporting agency Equifax. Around XX/XX/XXXX I began not receiving an Equifax credit score. I was informed of this upon receiving a denial for a mortgage. The information provided was hat the company was unable to provide me with a score. 

I then reached out to Equifax to see why this is happening. After a while of back and fourth on the phone, the support staff assured me in 2-3 days this would be fixed. After a few more months goes by I checked online through their portal where I received an error code BLNK and informed me to contact Equifax which I did. 
I let them know I was still unable to review my score and I was receiving this error. 
I was again reassured that the problem had been corrected on their end and it will take a few days. Well this went on for another year constantly calling Equifax explaining the same problem and it was always something different. They say they can see my Report and score on their end, which they did provide me with a copy of the report last time I called early XXXX this year. However my information and score is still unavailable for banks, services or myself to see. 

The last time I spoke with them early XX/XX/XXXX they said to send in verification of where I live and who I am. Which I did. I then received a letter stating everything was complete on their side. To this day nothing has been corrected. I am Not able to buy a house and I am Denied credit for agencys that pull from Equifax. This is hindering my every day life but not having a score available for other institutions. 
My other 2 major reports are just fine its only Equifax. It appears no one from Equifax is able to assist and understands what is going on. While searching this online it appears this is a common problem and needs support. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following fraudulent accounts and inquiries be blocked and permanently deleted from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ). I am a victim of identity theft, and the accounts and inquiries listed below were not authorized by me.

Fraudulent Accounts 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 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  Fraudulent Inquiries 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

On XX/XX/XXXX I made a payment of {$500.00} to best egg to bring my balance down to {$3200.00}. On XX/XX/XXXX after I made that payment Best Egg reported I made an {$140.00} payment for the XX/XX/XXXX payment. It also still says my last payment was XX/XX/XXXX. I called Best Egg and was told a ticket would be sent. I called back days later and was told there was never a ticket created and that I have to dispute the information with the credit bureaus. I disputed the information with XXXX on XX/XX/XXXX and Best Egg LIED to XXXX stating I only made a payment of {$140.00} and my balance increased. On XX/XX/XXXX Best Egg reports to XXXX that the original information they reported was incorrect which is not true. I have proof on their provided statement that the balance is now {$3200.00}. I filed other dispute with XXXX on XX/XX/XXXX Best egg again lies and tells them the information currently on there is correct. I have called best egg multiple times are every time I am told there back office handles that and there is nothing they can do. I have to keep filing disputes. I filed another dispute on XX/XX/XXXX with XXXX and they still refuse to update my balance. I filed another dispute with XXXX on XX/XX/XXXX and that is pending. I just got off the phone with best egg and now I was told I need to send them a request to have this looked at and it could take 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am taking action against the US Department of Education on an acct ending in XXXX and an acct ending in XXXX for incorrect information reported to my credit report since XX/XX/2019. Despite several attempts to dispute this since then, I have yet to receive any resolution. This has caused me to suffer financially, as I have been denied credit, charged a higher interest rate, and prevented from buying a home. I have also attempted to dispute this with the three major credit bureaus, XXXX, XXXX, and XXXX.