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

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

XXXX  XXXX Bankruptcy Case Number # XXXX, has violated my rights. 

XXXX XXXX Bankruptcy Case Number : XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX  Account Number : XXXX, has violated my rights. 

XXXX XXXX Bankruptcy Case Number : XXXX, has violated my rights. 

XXXX XXXXXXXX  Date of inquiry : XX/XX/XXXX, has violated my rights. 

. XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 

XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 

. XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 
XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Vanderbilt mortgage is trying to get XXXX dollars from us after 15 years, the statue of limitations was out seven years for XXXX  statute and 6 years for XXXX  state that we currently live in, they only started going after us after we purchased a house here in XXXX  state, they are trying to garnish wages that we do not currently have do to circumstances. they are trying to get us for XXXX and XXXX  states. I sent the court number for the account because I no longer have anything from Vanderbilt.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to remove two unvalidated debts from my credit report, despite clear evidence that these debts were not properly validated by the collection agency XXXX XXXX XXXX XXXX. Equifaxs actions represent a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ( a ) ), which mandates the removal of unverifiable, inaccurate, or incomplete information from consumer credit reports. 
Details of the Complaint Unvalidated Debts on My Credit Report : The debts in question are tied to XXXX  XXXX XXXX with the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$4400.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$4900.00} ) These accounts were previously managed by XXXX XXXX XXXX XXXX, which failed to validate them after I submitted a formal validation request. 
Actions Taken with XXXX XXXX XXXX XXXX : On XX/XX/year>, I sent a certified letter to XXXX XXXX XXXX XXXX requesting validation of the debts. 
On XX/XX/year>, XXXX XXXX responded, admitting they could not validate the debts because the accounts were no longer assigned to them. 
Equifaxs Failure to Remove the Debts : Despite the lack of validation by XXXX XXXX, Equifax continues to report these unverifiable accounts on my credit report. 
This violates the FCRA ( 15 U.S.C. 1681i ( a ) ), which requires credit reporting agencies to delete unverifiable information. 
Negative Impact on My Creditworthiness : The presence of these unvalidated debts on my Equifax credit report has caused harm to my credit score, affecting my ability to obtain credit on fair terms. 
Equifax has failed to comply with its obligations under the FCRA by allowing unvalidated debts to remain on my credit report. I request immediate action to address this issue and hold Equifax accountable for their negligence. 

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

Credence Managment is reporting an account that they promised to DELETE in full upon payment. The account was paid and yet today I noticed that they updated it as a settled collection as opposed to removing it fully from the credit as promised. Credence failed to keep their word and misled me to pay the account by promising a full removal from the credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is in error and the credit bureaus are just doing the same old thing over and over again, and it is just tiring. I disputed the information and it came back verified even though the information was incorrect. As showed in the picture below the date opened for for all three bureaus are wrong, the account balance is wrong, and the date last active is just wrong. I wasn't even in XXXX all of XXXX, I have been living in XXXX since the end of XXXX. I'm in talks with a new potential employer and due to their requirements I can't have any collections on my credit report.
Product: Debt collection

I had XXXX in XX/XX/year> for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have XXXX  of NM and Medicare Part A. Upon admission for XXXX, I was told by XXXX XXXX XXXX in XXXX, NM, that because I would be admitted that Medicare Part A would cover part of the hospital bill after my deductible, which I covered that day. I received a statement in XXXX indicating I owed {$1300.00}, which is the portion I was told would be covered by Medicare. The hospital would not respond to my questions about the billing. I came to learn that they coded my stay as " outpatient '' which is incorrect, as I was admitted and I have received my hospital notes as proof of the admission and discharge the following day. Rather than working with me on the amount owed and responding to my questions, the hospital quickly sent my bill to a debt collector, XXXX XXXX I disputed the claim with XXXX and they closed it. Within a week, I began receiving new texts and calls from a more aggressive debt collector, Paragon Revenue Group. The man I spoke initially was argumentive and insulting. I disputed the Paragon claim as well. I have also filed a claim with Medicare for the hospital stay and am awaiting official notification as to their decision. An overnight stay is an overnight stay- it was definitely not XXXX  XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I contacted all 3 bureaus as well as the credit company and I provided each of them with the credit reports with the circled fraudulent information. A copy of the police report. A copy of the letter from the Medical office who wrote me to alert me that my personal information, as well as my identity, had been compromised. I also provided a copy of my current driver 's license as well as my social security card. I have written the agencies 3 xs and have not gotten any relief or support.
Product: Student loan

XX/XX/XXXX - received notification that loan AA ( total of 2 were forgiven as of XX/XX/XXXX ) XX/XX/XXXX - received monthly statement from Nelnet - for XXXX payment for remaining balance ( roughly XXXX ) - paid prior to due date XX/XX/XXXX - contacted Nelnet to inquire on total amount of overpayments and when my information would be sent to US treasury for refund - no response XXXX - received monthly statement from Nelnet - for XXXX payment for remaining balance ( roughly XXXX ) - paid prior to due date XX/XX/XXXX - sent follow up to Nelnet requesting same information - no response XX/XX/XXXX - submitted complaint on student aid.gov - received case # XXXX via email XX/XX/XXXX - received 4 seperate letters indicating my remaining 4 loans were paid in full XX/XX/XXXX - requested my complaint to be escalated to Ombudsman - no response XX/XX/XXXX - received check for {$780.00} ( which included the XX/XX/XXXX and XX/XX/XXXX payments that Nelnet stated that I owed from their billing statements XX/XX/XXXX - followed up again requesting escalation from Ombudsmen XX/XX/XXXX - after my accounts reflecting {$0.00} and credit reports updated, Nelnet now has a balance on my Account of {$420.00} spoke to 6 different reps at Nelnet who have indicated they see 2 different overpayments that I am due,XXXX and the 2nd XXXX. One of the representatives even indicated I had borrower defense on my Account which I have never applied to but, that has now been disputed by a different representative. 

I would like to know when I will receive my overpayments and if my Accounts should reflect {$0.00} as my documentation indicates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries reporting to my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong Address, Fraud, Incorrectly Shows Account That's Not Mines. Fraudulent Address & Negative Account Information Still Appearing On Equifax Credit Report. I'm Not Familiar With Address ( XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) In Reference To Account Number Starting With XXXX Including The Unrecognized Phone Numbers Associated With The Negative Account After Contacting The Creditor Directly. My Correct Current Phone Numbers Are XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX. " XXXX XXXX XXXX XXXX, TN XXXX '' Is My Current Correct Home Address As It Reflects On My Government Issued ID, Identity Theft Report And Piece Of Mail For Identity And Address Verification I Uploaded As Well For Supporting Documentation. Based On The Facts, The Negative Account Is Fraudulent Prior To Unmatched Personal Information. The Following Emails XXXX '' And POSSIBLY " XXXX Was Also Compromised The Same Year The Fraudulent Activity Occurred. The Reason XXXX XXXX Was Still Receiving Complaints From That Email Through The CFPB Portal Is Because I Created An Online Account With Them That Same Year As Well. This Is A Huge Mistake Even Though XXXX BANK Claims That Fraudulent Activity Didn't Occur On Their End And I Can Also Say The Account Was Opened In My Name But The Charges Is Fraudulent But I'm The Wrong XXXX XXXX XXXX So It Isn't True And Accurate If I was Incarcerated That Year To. So I Couldn't Have Opened It. My Information Is Mixed Up With Someone Else 's And I'm Sorry About This Big Mess. Gladly To Say I Hired XXXX To Assist Me And The Account Will Be Challenged, Receiving Future Letters Asking To Provide Documentation Verifying That The Account Is Actually Mines So You Might Wan na Review Again Because After This Final Time, Dispute Resolution And Complaint. Im Seeking Legal Action Against XXXX BANK Headquarters.
Product: Debt collection

Ace cash express has called me repeatedly from a blocked number. They are stating that I have a pending lawsuit that I need to pay. They have threatened to charge me an extra {$1000.00} in court fees, sue for breach of contract and to file a federal complaint because my bank account had non sufficient funds to pay the loan back. I have been barraged by calls from them for weeks.
Product: Mortgage

On XX/XX/, NVR home mortgage sent an entire closing package to all parties on the loan. I and my husband did not consent to have our financial or personal information sent to the other two mortgagors on the loan ( we are co-signors on the mortgage ). NVR apologized and indicated that this is not part of their internal processes in a phone call conversation on XX/XX/. They offered a 1 year subscription to credit monitoring, which is worthless as people we have not authorized to see our data have the potential to do harm after 1 year of monitoring. 

Their negligence and inability to have their Closers follow the processes they have in place to avoid situations like this has put us in a position to where we have to be even more hyper vigilant in protecting our personal information and has put us in potential harm for identify theft.
Product: Mortgage

I have been applying for mortgage assistance with SPS since XXXX of XXXX when my whole family came down with XXXX XXXX. Myself and my other children recovered but my son XXXX age XXXX still continued to have shortness of breath and difficulties breathing due to XXXX. I used up all my funds to take him by XXXX to the Doctors for treatment, this went on for months. I advised SPS during this time of my hardship but only insisted I come up with the past due payments or foreclosure be my only option. 


XXXX xt XXXX On XX/XX/XXXX I submitted for modification assistance and on XX/XX/XXXX SPS stated they received the complete package for review. The File was received on Friday XX/XX/XXXX and denied Tuesday XXXX with this quick decision SPS never gave me a proper review for assistance and set a sale date while I was in review rep XXXX was not informable and when I requested a supervisor she hung up on me. I requested a copy of the denial letter but I have not received it. SPS has not helped me during these difficult XXXX XXXX times. 

I am asking CFPB to investigate into this matter I feel SPS are in violation of Dual Tracking laws an, Negligence and Failure to properly perform.
Product: Credit reporting or other personal consumer reports

It appears that FCRA 605B obliges us to remove any wrong accounts from my credit report. Please check the documents? Some accounts are inaccurately reported with incorrect amounts and dates.
Product: Debt collection

Please be advised that I am disputing a derogatory account on my credit report, you claim I owe. This account was open fraudulently under my name. I use to work at this XXXX XXXX and they are charging me for a mouth guard I never received. This needs to be removed immediately as this is negatively affecting my credit score. I will not hesitate in bringing legal action against you and your client for the Violation of the Fair Debt Collection Practices Act, FCRA and Defamation of Character. I also requested validation of the debt and I never received anything from the collection agency validating the debt.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im unable to access my report and score from equifax website. Their new procedure requires users to create an account which i have but cant access. Also according to XXXX  site all my equifax data is out of date. The accounts listed on equifax are not up to date and additional credit cards are not listed. my student loan consolidation is not listed either.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report and I have no idea why. I check my report regularly, but this time there were unexpected discrepancies. I even refreshed my browser thinking it could be a glitch, but the inquiries remained. I urgently request that the documents Ive submitted be reviewed carefully so I dont have to worry about this happening again.
Product: Payday loan, title loan, or personal loan

In and honestly XXXX move I was in desperate need of a loan and I did n't have much time to secure the funds. I blindly took out a loan from XXXX XXXX XXXX for an amount of {$200.00}. The monies were credited to my banking account on XX/XX/XXXX. Since XX/XX/XXXX I have paid XXXX XXXX XXXX a total of {$980.00} with 8 payments still remaining of {$56.00} every two weeks. This means that I will have paid them back in full at a rate of 749.98 % with a monetary value of {$1200.00} on a {$200.00} loan. Since the Inception of this loan I have been informed by a very close friend who is employed by the Attorney General 's office of Pennsylvania The Honorable XXXX XXXX that online /payday/ tribal loans are illegal in the state of Pennsylvania where I reside. To date I have paid the loan back almost five times over the initial amount. In my opinion I feel it a fair resolution to this situation is that the loan be considered paid in full because in reality it has been many times over. Even if I were paying 50 % interest the total amount payback would only be {$300.00}.
Product: Vehicle loan or lease

On XX/XX/XXXX I went to XXXX to purchase a used vehicle XXXX XXXX XXXX, Capital One came back with best interest rate however the sells rep advised me to check with my insurance for GAP Insurance before purchasing it through loan and that I had 7 days to do so. XXXX XXXX did not offer GAP on my vehicle because it was outside of the 3 year window. I was not informed by XXXX I would have to return an repurchase the car. On XX/XX/XXXX, I returned the vehicle and purchased it again now causing the problem that Capital One changed the interest rate without any changes to the loan ( nothing changed ). XXXX and lenders have an agreement to honor the original interest rate for 30 days. The manager contacted Capital One who stated they would not honor the interest rate and I had to accept the current offer. Management explained they would keep working on this and for me to accept the current rate so I could at least be in the vehicle. On XX/XX/XXXX, I was contacted to return and purchase the vehicle again with the correct interest rate from Capital One ; management had the approval in hand so yet again I returned and to purchased the car. After 30 days Capital One sent a letter stating they would not honor the loan and had choose not fund it resulting in me returning and purchasing the car again having to select another lender ( ( XXXX ) with a higher interest because now I have 7 inquires for each time my credit was ran on the same vehicle, same car lot, and same lender. My fico score has dropped almost 30 points in 2 months. 

XXXX attempted to problem solve the issue. Management worked with Capital One countless times, received the hard copy approval, comp future repairs, and etc. However XXXX system is who ran my credit each time I had to purchase the car creating my credit nightmare. 

Capital One breached it contract with XXXX by not honoring the original agreement and then after stating they would denied me anyway. 

I can't help by feel discriminated against as nothing to the loan term change. Each and every time Capital One contacted me I replied with any information requested, submitted documents and etc. At one point I was even accused of using a false address as I explained I current reside with a family member who travels and ask me to stay and watch her home during her absence therefore I had no bills in my name. I asked if she was to write a notarized letter or create a lease or even supply her bills would that help. Nothing I suggested met the qualifications and shortly after I was denied the loan. 

As of today my fico score dropped another 16 points. I am asking for a correction to my credit score, payment for hardship of having to return/purchase the car 3 times, compensation for my time and my pain/sufferings ( 2 times I had just had XXXX XXXX and had to sit in XXXX for over 4 hours to resolve these issues with no meds and no food ). 

Management and Staff of XXXX - XXXX, XXXX, XXXX ( XXXX ), XXXX, XXXX, and XXXX ( Sales )
Product: Student loan

I have not contacted MOHELA about this because I am certain they do not care. MOHELA 's new platform only allows for payments to be made with a checking account and does not allow borrowers to use their debit card. I am extremely uncomfortable providing MOHELA with my bank account information for two reasons 1. security breaches happen ALL THE TIME. If hackers get my account information there is nothing my bank can do to recover the funds and 2. I dont trust them. I tried to make a payment from my debit card over the phone and was unable to because no one was there to take my call. I dont understand why this cant be offered as an automated service for borrowers. It was in the past and now it is not. This is not acceptable. Please help!
Product: Checking or savings account

My chime card was stolen, and charges were made fraudulently on my account. I filed a dispute with chime, but I still have not received my funds. I'm writing this complaint requesting that this claim be governed for constructive fraud with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  ( credit card ) XXXX XXXX XXXX ATTN CUSTOMER SUPPORT XXXX XXXX, CA XXXX USA The above credit card company has me listed as a joint account holder of an account that I have not authorized myself to be on. I have tried for over a year to be removed. I have tried contacting the above company to no avail. You have to have a credit card number to access their system. I DO NOT, nor have I ever been issued or asked for a credit credit card from this merchant. I am looking for a way for them to compensate me for falsely reporting reporting on my credit report period. I have tirelessly disputed with the credit bureaus as well to the point they are denying my request to dispute this debtor. Thats why I have turned to you. The bureaus ( XXXX XXXX, XXXX, equifax ) will have a paper trail of my disputes. Please help me.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of 2022, I took out a loan from a XXXX called One Main Financial. The amount of the loan was {$5300.00}. The amount of the finance charge was {$4500.00} and the total payments will be {$9800.00}. The Annual Percentage rate is 29.96 %. I have so far paid a total of {$5300.00} and my balance owed is {$3200.00}. Although I signed a contract for this loan, I believe the way the interest is being calculated may be illegal and that this is a predatory loan. I want the amount of the loan to be recalculated so I am only paying the true interest rate I was promised at the inception of the loan.
Product: Mortgage

Received a letter dated XXXX/XXXX/2015 from Select Portfolio Servicing ( SPS ) stating they received and reviewed a request for loss mitigation assistance and that my account is ineligible for such assistance because a foreclosure sale is set to occur in the next 7 days. 
This is erroneous for several reasons. First, XXXX XXXX XXXX XXXX office ( XXXX XXXX XXXX is the contact ), has been exclusively communicating on my behalf with SPS since approximately XX/XX/XXXX 2015. Second, I nor XXXX Office has submitted a request for loss mitigation assistance to SPS on my behalf. Third, if in fact there was a loss mitigation request sent to SPS, it would have been received by SPS prior to 7 days before the XXXX XXXX scheduled foreclosure date. Last and most important is the fact that numerous correspondence has been sent to SPS over a long period of time attempting to resolve their assertion that they have the authority to service my loan, who owns my loan, that my loan is in default, the absence of missing payments, the delay in posting payments to my account, inaccurate interest rates charges, excessive extraneous charges, forced placed insurance and Up Front Fees ( UFFs ) charged numerous times for loan modification and forbearance requests that were erroneously denied for bogus reasons. 

Further, SPS refuses to respond to my specific questions regarding the validity of my home loan and their authority to service the loan as requested by a Qualified Written Statement ( QWR ) and in accordance with RESPA and Section XXXX ( f ) of the Truth-in-Lending Act, XXXX U.S.C. Section XXXX ( f ) ( XXXX ), which asked SPS provide me with the name, address, and Telephone number of the owner of the Promissory Note signed by me and secured by the deed of trust in my mortgage loan.