23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

We purchased an RV with a loan thru AQUA FINANCE in XX/XX/XXXX. Shortly after, I had an emergency XXXX, but I still made my ( XXXX ) XXXX payment. In XXXX, I knew I was about to have to go for a 30 day XXXX XXXX stay -- I reached out to XXXX, requesting payment accommodations, as my medical problems were the direct result of a COVID illness. XXXX refused to make any accommodations, deferments or alternate payment arrangements. I made my XXXX payment -- and XXXX was not due until XX/XX/XXXX. Upon my release from the XXXXl on XX/XX/XXXX, I noticed my XXXX payment had been marked 30 days late w/ credit reporting. I reached out to XXXX, and still, no options were available and they communicated they would not correct the status with the credit bureaus. I eventually lost my job, resorted to pleading with XXXX, and they continued to report my payments as late -- each month being late while still refusing to correct XXXX 's reporting. By XXXX, they had hired XXXX to collect on the debt from us -- who contacted us multiple times daily, beginning at XXXX XXXX and not ending until XXXX XXXX most days. I communicated with XXXX reps we wanted to voluntarily surrender. Company reps refused to reply to messages and hung up on numerous phone calls. XXXX cont. to harass and threaten us, eventually calling family members not listed on the loan ( mother, father, son, siblings ) -- communicating our debt obligations/status. Again, we communicated that we wanted to voluntarily surrender. AQUA FINANCE finally took possession of the vehicle on XX/XX/XXXX. Although the account is supposed to be closed and they have taken possession of the property, they are STILL reporting the loan as LATE... They are still tacking on interest charges and late penalties. Telling us that they will continue to report the debt as LATE until we pay it in full. They took the property and have refused to tell us where it is located or what ( if any ) repairs are being made and by whom. They have not given us the opportunity to repair the property before hand, nor are they communicating with us regarding the status of the auction/repairs. Reps I have made contact with transfer me to a different department each time I call if they don't just outright hang up on me once they realize I'm not going to make a payment and instead, I'm requesting a correction to the account. The company is in violation of the most basic consumer protection rights. How can we still continue to be reported as LATE when the company has taken possession of the property? Furthermore, how/why did the company fail to request a refund for the remaining Warranty Service Contract fees ( should have been close to {$3700.00} refund ). XX/XX/XXXX, I would NEVER recommend anyone doing business with this company. They do not care about consumers. They are not educated in any of the CARES ACT or consumer protection statues and regulations. They will not hesitate to call family members and your place of employment if you default and they refuse to make any sort of accommodations or account corrections when asked.
Product: Credit reporting or other personal consumer reports

There are erroneous hard inquiries from these companies on my credit report : 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 I did not apply for these and I called XXXX and Equifax on XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This day over forty-nine days later I have not received any response. I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is stated that a failure to investigate these items within thirty days gives a reason to immediately remove those items from my credit report, it has been over forty-nine days and they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the anxiety this has caused me. My information was also impacted by the Equifax data breach which could have caused great harm.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
XXXX  account 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 with out my written instructions 15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Capital one XXXXXXXX XXXX XXXX XXXX XXXX XXXX  My personal credit was obtained or ran through these companies without my consent. I am asking for these inquiries to be removed immediately
Product: Credit reporting or other personal consumer reports

The problem with this company is they didnt do their proper and coccect reporting. This is a card used for XXXX practices. It is listed as XXXX the listing is listed as XXXX XXXX XXXX XXXX. I have not used the card in three years and to be acurate maybe two years. This is the worst reporting that I have ever seen. I am asking for XXXX XXXX in damages. I am also demanding a leter of apology to the CFPB!
Product: Credit reporting or other personal consumer reports

information pertaining to this item is incorrect/inccurate.this debt is showing twice in my credit report.debt from XXXXXXXX XXXX XXXXXXXX and from XXXX are both reporting balances.delete immediately. I have previously disputed/ requested from XXXX XXXX investments and they are just saying this is verified and updated. Both accounts are showing as open with different balances for same debt.
Product: Credit reporting or other personal consumer reports

I have a debt consoldation working on some of my accounts. There has been XXXX party collection on my credit. There is also old information on my report keeping my credit score way down. I also would like to know if XXXX  XXXX used my info wrong and im on the lawsuit? 
Also i would like to know if im on the list for XXXX, eqifax, and the other credit reporting agency i just cant think of it right now
Product: Debt collection

The company called CLIENT SERVICES, holding my debt from XXXX, XXXX ( XXXX XXXX ) has been sent 6 letters from XX/XX/XXXX until XX/XX/XXXX trying TO SETTLE this debt and get it REMOVED from my credit files! They have ignored ALL ATTEMPTS to communicate with them or settle this debt! Instead they called family and friends and made me look like a fool! ALL I wanted to do for over the past year is SETTLE the debt and have the information REMOVED from my credit file! 
Client services account # XXXX amount offered for settlement {$190.00} No one has ever responded to my repeated attempts to settle this matter.
Product: Debt collection

I am a victim of XXXX XXXX since XXXX. I was finally freed of this man and the men that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My husband XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for having a XXXX XXXX XXXX XXXX XXXX XXXX. He manipulated me, had complete control of our finances. After fleeing to WV I was followed and my XXXX found new men and woman to recruit. I was XXXX by a man XXXX XXXX in XXXXXXXX XXXX XXXX. My credit was used and inquiries as well as collections began to show that were simply out of my control. My entire life was hacked stolen and slandered. I am XXXX protected through HUD housing and recently was denied of emergency housing for an apt called XXXX XXXX XXXX XXXX to which was given my paperwork and all documents of the act and police reports of the incident that had prior happened to me along with the protective orders they still deny me based of a collection that was not mine, even after giving them the paperwork and explain to them
Product: Debt collection

I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to MIDLAND FUNDING reporting and dispute with them. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!
Product: Mortgage

My mortgage loan was modified in XXXX XXXX. However, my servicer Roundpoint, has not reflected my loan as modified since then. I have been fighting with them now for two years and I finally hired an attorney earlier this year to help me. As you can see from the attached my loan was modified in XXXX XXXX directly by the owner of my loan. As you can also see from attached my mortgage statement for this same loan shows me due for XXXX/XXXX/XXXX back in XXXX and now XXXX/XXXX/XXXX. I have no idea how they are coming up with these dates as my loan was modified and should have been brought current as of the date of my modification on XXXX/XXXX/XXXX. My attorney was advised by Roundpoint that they requested me to submit another full application so they could attempt to fix this issue. My attorney submitted my full and complete application on XXXX/XXXX/XXXX and to date Roundpoint has not yet issued a decision. They keep asking for more paperwork every month and then let it expire and then ask for it again. I am told by my attorney that RESPA Reg X requires the lender to make a decision within 30 days of the application REGARDLESS if it is not completely complete. My attorney has an in house underwriter that put the file together and they state the lender ( Roundpoint ) has enough information to make the decision. I am not eve sure what decision they need to make as they have ROYALLY messed up my mortgage and it is on them to fix it. # 1 ) I was modified and my servicer never reflected it in my statement # 2 ) This is not my fault and the fact that my account is now past due and really messed up is either the servicer 's fault or my investor 's fault. It DEFINITELY is not my fault. # 3 ) My servicer needs to STOP EVADING reviewing my file as my attorney is billing me for work each time Roundpoint stalls and does n't make a decision as required by RESPA Reg X. I am being financially harmed by this illegal action. In another week it will have been 5 months since I applied for assistance in fixing my servicer 's mistake!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Please make them stop running me in circles and make them FIX THEIR MESS!
Product: Debt collection

This notice serves as a legal notification under the Fair Debt Collection Practices Act and Uniform Commercial Code to all major credit bureaus. It has come to my attention that there are charged off accounts on my credit profile, indicating discrepancies in financial reporting. I request the immediate removal of these inaccuracies in accordance with the law. Furthermore, inconsistencies in how my accounts are reported across the three credit services violate the Fair Debt Collection Practices Act. 
I demand that all credit services rectify these errors promptly by updating my report and eliminating the charges for collections and inactive accounts. This directive is directed specifically towards XXXX, XXXX, Experian, and XXXX. Failure to comply with this request will result in legal action. This notice is a matter of public record and may lead to a lawsuit if necessary. I expect the prompt removal of the accounts from my credit profile. Thank you. 

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claims. 
I also want to remind you of the following laws : *- 15 U.S. Code 1692g : Validation of Debts *- 15 U.S. Code 1681n : Civil Liability for Willful Noncompliance *- LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681s2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies remove acct XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 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 reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX as a consumer, am notifying you that I dispute this alleged XXXX XXXX XXXX bank + pursuant to XXXX XXXX XXXX. I REQUEST THAT YOU PROVIDE TO ME XXXX OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF XXXX MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
XXXX Since this debt is disputed pursuant to the Fair Debt Collection Practices Act. you are required to cease all collection of this alleged debt which include reporting to my consumer report with XXXX, TRANSUNION, AND XXXX I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. As you sold this debt to another company also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was used fraudulently. I sent a police report and affidavit of identity theft five ( 5 ) times to the credit bureaus and XXXX XXXX, they have yet to remove the information or notate it as " lost or stolen. '' The account is showing on Experian and XXXX as a charge off which is incorrect.
Product: Student loan

XX/XX/2022 : Made a call to Edfinancial asking about the procedure for accounts that were paid in full during the pandemic, agent told me I did not have to request refund and that I simply had to wait for loan forgiveness. After looking at official documentation, this did not seem to be the case for accounts that were paid in full and I did have to manually request a refund. 

XX/XX/2022 : Made a call to request a {$20000.00} refund and my loan reinstated, there are still no changes to my account after a month ( as of XX/XX/2022 ).
Product: Credit card

I opened the Chase XXXX XXXX credit card in XX/XX/XXXX. I did not have a XXXX XXXX XXXX account at the time, but I was still collecting XXXX points noted in my monthly credit card statements. In XX/XX/XXXX, I had called Chase to transfer my XXXX points to my newly opened XXXX XXXX account. Since then, I have asked Chase and XXXX XXXX at least 5 times now to transfer the XXXX points from my monthly statements to my XXXX XXXX account. Chase confirmed that I had accumulated XXXX XXXX points through XX/XX/XXXX and had sent a letter in the mail confirming that they would transfer the points to my XXXX XXXX account. However, the only XXXX points listed in my XXXX XXXX account is XXXX ( points accumulated XXXX XXXX ). I have now accumulated XXXX XXXX points from XX/XX/XXXX through XX/XX/XXXX. I called Chase today informing that they have yet to update my Avios points despite the many escalations they claimed to request for this ongoing issue, and I had informed them that I am filing this complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I been having a lot of Identity Theft with my Socila Security # I been more than 2 weeks trying to close accounts that I never oopen and some other cards that they been duplicate and used by another person.It 's been an nightmare it looks I can't control people using my information from me .It looks someone stole information from my mail box.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 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

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX, XXXXXXXX XXXX XXXX   XXXX account are fraud, having my false identity. They gave me two letters of release stating the debt wasn't mine Experian and XXXX keep  putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX IN XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Debt collection

Dear Sir or Madam, I noticed that I have had a medical debt back in XXXX. That time I was outside of country ( due to medical issues, I can provide proofs that I took a leave of absencefrom university ). I did not get any letter from the hospital. My ex-roommate did not not even get a letter from them. 
When I got back in XXXX, I moved to anothet house. I had no idea about any debt and i didn't get anything from collecter. I just saw the mark on my credit report, I called the hospital and collector and I paid for it last week. 

They said it would be removed from my report. But it's still on my record! It's affecting my credit score and my life. I've been always good with my credit history.
Product: Credit reporting

I was a XXXX customer back in 2015 and was sent a letter from the credit agencies telling me that there was a XXXX data breach at Equifax credit reporting agency. I sold my phone that I paid off to XXXX. I later cancelled my XXXX for slow Wi-Fi and trade my phone service in to XXXX. While frequenting XXXX online I was sent numerous login confirmation stating my phone device was logged in from a XXXX service provider. This occurred for the entire time I had the XXXX telephone number. During this time as I tried to login they requested that I upload my government i.d . Card or they would n't allow me access to the XXXX website and my account. I suspect fraudulent activity and possible i.d . theft by XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX/XXXX  ( XXXX Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt recovery solution last reported on XX/XX/XXXX {$1900.00} and the second {$910.00} on XXXX XXXX XXXX XXXX XXXX  under the law section 609 A Federal Law I have the right to see both of these account listed below with my signature when it was open and proof or it must be removed this account under my name in 30 days thanks under section XXXX XXXX -A Delete all information which can not be verified thanks in advance XXXX XXXX XX/XX/XXXX / ss last four # XXXX