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

My XXXX XXXX  lease was terminated two months early to enter into a new Lease agreement. The Car Dealer Requested a payoff quote from XXXX XXXX, this quote was supplied by XXXX XXXX and was paid off by the dealer. A few months later I received a call from XXXX XXXX that I owe {$110.00} dollars, which I refused to pay because the lease was terminated and XXXX XXXX  provided the Car Dealer with the Payoff amount. On principle I was never late within the 37 months of the lease. This erroneous info was sent to a collection agency. After six different dispute resolution attempts with the credit reporting agencies all failed, this item is on my credit report as a Charge Off and is negatively impacting my Credit Report at an in opportune time. I owe nothing to XXXX XXXX  or any other entity with respect to this Auto Lease. I would like this negative item removed from my Credit History.
Product: Credit reporting

The XXXX credit recording company are still reporting XXXX judgments ( XXXX XXXX XXXX XXXX and also XXXX of XXXX XXXX ) that have been satisfied ( Paid in Full ) over a year ago. I have reported to the credit company s and the court over a year ago.I hope you can help remove this out of date and fasle information. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts 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 Experian and XXXX credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in  XXXX  o f this year I informed the credit bureaus that I received a number of Inquiries over 1 week period that I did not submit. I was told that I must get a letter from each inquirer in order for it to be removed. Well I have in the past week gathered all the letters representing all the inquires and have scanned them in and uploaded them in order to get the Credit reporting agencies to remove the inquiries. I was told by many of them it will take up to 30 days BUT I CAN NOT WAIT. I hope with these letters they can expedite in my behalf and just remove them manually.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account numbers XXXX and XXXX both reporting inaccurate balances and is showing multiple charge offs and doesnt show date closed please delete for multiple inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues too violate consumers and FCRA by purposely reporting lies and inaccurate information for the sole purpose of damaging reports and scores. I have made MANY of complaints too CFPB yet nothing has been done about this issue. 

XXXX has many errors and lots of inaccuracies throughout my entire credit report. Refusing to correct anything. I have contacted an attorney about the issue and will be seeking damages. 

XXXX has continued too ACTIVELY report discharged debt which is about 4.5 years old. 

Experian also continues too have inaccurate information on this same account. 

The name of the creditor is XXXX XXXX XXXX XXXX mortgage, The name has been altered many times too benefit their legal reporting needs. Because this company has been OUT of business, its solid evidence that the active reporting is in fact the reporting agencys doings. I thought government agencies like that of CFPB holds the responsibility of helping protect the consumer when companies are in violation of the law and the consumer. I have well over 30 complaints with CFPB, maybe resolving 2 issues at tops. 
That is totally unacceptable coming from a government agency. 

If others are able too read this and got nothing resolved, YOU arent the only one! 
I keep all my records on reports as Im sure the courts will want too know the involvement of the CFPB. 


The company is 100 % NOT adding remarks too my report, its XXXX and Experian BOTH ARE FRAUDULENT A company gone out of business does NOT still actively report! Evidence of FRAUD AND STOP SAYING YOU CANT IDENTIFY MY IDENTITY BC YOUR LYING! If XXXX cant ID me then QUIT adding information too my credit report, QUIT providing my credit report and score too creditors, QUIT asking me too IDENTIFY myself because if I did, how would you even know whom too compare it too? JUST STOP ALL THE FRAUD already! Nothing has changed, absolutely nothing! XXXX can verify my ID through the United States Federal Court during the XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX 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 XX/XX/year> and XX/XX/year> 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 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: Credit reporting or other personal consumer reports

Credit Bureaus need to only list my true name as XXXX XXXX XXXX or XXXX XXXX. My only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas. XXXX. Any other addresses or spelling is incorrect.
Product: Debt collection

original debt was with GE money bank. ge money bank sold debt to security credit. Security credit then sold debt to another company. I paid the third debt collector but secuirty will not take their collection trade line off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts being reported from hospital that are over XXXX XXXX XXXX
Product: Student loan

MOHELA is my servicer. I continue to have issues with their autopay service. Multiple times over that last year once payments started back there have been systemic issues with the autopay service. They continue to deactivate my autopay, and not tell me. I only find out when they inform me that my payment is late. They also have a deceptive payment system when your payment is late, that almost seems to force you to pay both the late payment and the future payments all at once.
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A, 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

this issue been going since XX/XX/XXXX, On XXXX i file a dispute with BOA regarding unathorized charge for {$570.00} from XXXX and {$72.00} from XXXX, on XX/XX/XXXX recieved approval claim at my favor for {$640.00} .Then i credited the {$570.00} on XX/XX/XXXX then got debited back on XXXX the & XXXX on XX/XX/XXXX i got the credit again {$570.00} but then it got debit again {$570.00} on XX/XX/XXXX and credit again {$550.00} on XX/XX/XXXX, but on XX/XX/XXXX the {$550.00} got debited again from acct.so i call and case was reopen cause funds missing, so I call again and was told case was resolved at by favor on XX/XX/XXXX, i was never sent no letter or anything regarding this, ok so it was resolved at my favor but stil there was no fund on acct, so i call again and claim was reopen for missing money, ,So on XX/XX/XXXX, Speaking to Claim department regarding issue, i was told that this case been payed, i ask when cause havrnt seen anything funds, so she said that, it says that it was payed in XXXX partial payment refund from XXXX, i try to expain that thise partial payments were for puchase that i return back to XXXX, that doesnt have anything to so with the claim of $ XXXXfrom XXXX and XXXX, because the partial payments from XXXX were only {$210.00}, i tried explaining that these partial payment refunds were for some item that were return back.and to see the amounts of claim and refund s were different and the dates of order s from XXXX were also different , i sent in documents of the items that were return from XXXX, and partial payment s recieved that do not add to my dispute, dispute was only XXXX items and the partial payments were XXXX item, after sending in documentation i have a feeling that they didnt if bother in going over the documents pretending to my claim.im attaching the dispute charges and when money got credited and debited to acct and the partial payment refund that dont have anything to due with claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account XXXX : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

When I first took my first loan, things were so unclear. I clicked submit and nothing happened so I clicked submit again and somehow ended up with TWO IF THE SAME LOANS? I CONTACTED THEM AND IT WAS LITERALLY A STRUGGLE TO TRY TO TALK TO SOMEONE. I wasnt able to reach anyone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am filing a complaint regarding incorrect personal information being reported on my credit report. The inaccurate details are affecting my ability to obtain credit and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information.

Despite my previous attempts to correct this, the errors persist, causing ongoing harm to my creditworthiness. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that the credit reporting agencies correct the inaccurate information on my credit report.
Product: Checking or savings account

Previously had an account with Navy Federal back in XXXX, In XXXX account was hacked and my card was stolen. I had absolutely no access to funds and transactions with a card. Card was never investigated as I reached out to company Navy Federal and no proof was given I reviewed my credit report again in XX/XX/XXXX and the account continues to reflect on my credit report. nor has my credit report been updated to reflect that the account is disputed/deleted. I find that the creditor does not have the authorization to access the account nor authorization to attempt to collect on the account and the account continues to NEGATIVELY affect me. Several laws/ codes have been broken as I have all right to protect my personal information. Please REMOVE / DELETE this account effective immediately from all credit bureaus ( XXXX, XXXX, XXXX In accordance with the fair credit reporting act XXXX Account # XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 15 USC 1681B : 15 USC 1681S2 : Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681i ( 7 ) : 15 USC 1681e ( b ) and Cares Act has resulted in an FCRA violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a vehicle with XXXX XXXX XXXX XXXX The vehicle was traded in. XXXX XXXX XXXX XXXX XXXX late payment on my credit which would not be possible because it was traded in and paid off. I later found out that XXXX & XXXX did not place a proper lien on the title when I initially purchased the car nor did they respond to the payoff request from the dealership, so the check had been issued but the bank didn't acknowledge the payoff, thus reporting in a late payment being reported to my credit in error.
Product: Vehicle loan or lease

XX/XX/2018 : Applied for a Used Auto Loan. Loan Amount Requested : {$33000.00}. Loan was denied for Excessive obligations in relation to income ( overextended ). The lender was notified that 2 other auto loans were recently paid off. These same loans were being considered when analyzing capacity to repay. Lender was notified of this. There was no response to this inquiry. Loan decision appeared to be an automatic decision under the Reg B rules.
Product: Debt collection

The apartment complex turned my information over to a collection agency without my knowledge and after telling me I owed nothing. I have tried to get this cleared up with no progress. the corporate office refuse to respond to me or the XXXX. Phone calls, and emails have not been responded to since XXXX 2015.
Product: Credit card

I bought some furniture from Ashley furniture in XXXX bought almost XXXX of furniture for a new home and asked to not add protection plan for XXXX I didnt think nothing off it then the furniture started pealing and I went to the store they asked me did I have protection plan I told them no and the employee ended of still checking and advised I had it and my response was wow I dont know if thats a good thing or bad thing so I went home and filed a claim, sent the pictures and was denied as if it was my fault I reached out to Synchrony to dispute multiple times of the amount because it was not supposed to be there and then later the charge came back reached out to location XXXX GA XXXX to a representative almost XXXX min of my life where I bought it from never can get in contact with store XXXX its always something she assured me the XXXX would call back I have been to location and still no success so I finally went to XXXX Ga XXXX XXXX to someone named XXXX she XXXX extremely helpful I advised if she could please reach out to her store XXXX on what to do because upon calling the Protect All By XXXX company back XXXX of the representatives advised you should get your money back you didn't use it and the store should refund you store XXXX got in touch with me and advised it was already a complete sale the warranty company should help with that point of sale ok so I reached back out to warranty company spoke to XXXX XXXX and XXXX advised she would reach out to corporate to request a refund well never heard anything back reach back out week of XXXX told me to wait reached back out to warranty they advised give it more time then called warranty back to speak to XXXX XXXX and was XXXX XXXX was down and XXXX would call back XXXX did not happen called today XX/XX/XXXX spoke the XXXX and she was extremely nasty and not willing to help at all pretty much gave me the option to figure it out so I am requesting my money back of the protection plan of XXXX or credit back to my XXXX Synchrony account
Product: Credit reporting or other personal consumer reports

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

U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S DEPARTMENT OF EDUCATION : # 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: Credit reporting, credit repair services, or other personal consumer reports

This is " CLIENTS NAME '', and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still a remaining account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$10000.00}
Product: Mortgage

In XX/XX/XXXX I contacted Wells Fargo to pay my mortgage ahead. I asked the CSR if I could make a payment over the phone to satisfy my mortgage payments through XXXX, with the next payment being due XX/XX/XXXX. She said yes and told me the amount I would need to pay ( {$4700.00} ). I gave her my routing and account number and she debited the payment from my checking account on XX/XX/XXXX. XX/XX/XXXX I received a letter from Wells Fargo stating my loan was past due. I called them and advised them of the payment I made in XXXX to satisfy the bills through the end of the year. The representative I spoke with said she sees the loan should be paid through the end of the year, but the previous agent applied the payment incorrectly. She said she would make the adjustment and open a case to remove the incorrect information they sent to the credit bureaus. Approximately one week later I checked my credit reports and saw it had been corrected. XX/XX/XXXX Wells Fargo again reported incorrect information to the credit bureaus. I disputed the information through the credit bureaus and contacted Wells Fargo. XX/XX/XXXX I spoke with a CSR who said Wells Fargo recently sent a letter to the credit bureaus stating the information they previously reported was correct, but she could see that my account was actually current and not past due, nor had I ever missed any payments in the past. The letter Wells Fargo sent to the credit bureaus was untrue. Wells Fargo has yet to correct their repeated error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's information security program failed to properly protect my NPPI as a result of a massive data breach. I checked their website, which confirmed that my data was likely exposed. Equifax attempted to offer account protection services, but demanded a waiver a future claims. The CFPB must ensure that Equifax properly protect consumer data and provide FREE monitoring services without demands for waiver of rights. The company is responsible to protect its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Amerisave Mortgage Corporation ran a credit inquiry without my consent. I spoke to a representative over the phone and I made it clear I didnt want my credit ran until my wife and I made a decision. However they wrongfully ran my credit and continued to harass me with multiple phone calls, emails, etc. 

Super unprofessional, and completely wrong. 

They sent a notice about an application even though that application was never completed and we ended the phone call prior to going forward with doing a credit pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a certified letter dated XX/XX/XXXX about an account with XXXX XXXX. I received notice stating that it was verified as accurate. 

I sent another letter dated XX/XX/XXXX requesting their method of verification, however, I did not receive their method of verification, but them stating that the account was verified as accurate again. 

I contacted XXXX XXXX on XX/XX/XXXX at XXXX XXXX XXXX, spoke to a Representative named XXXX, and he stated that he could not find any account after I provided him with my social security number, my date of birth, and my address.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information listed on my credit report regarding the accounts detailed below. These accounts do not belong to me and are inaccurately reported on my credit file. 

Additionally, I was impacted by the recent XXXX data breach, which may have compromised the integrity of my personal and financial information. I have enclosed proof of my involvement in the breach to support my claims.Per the Fair Credit Reporting Act ( FCRA ), I request that you investigate these accounts, verify the information, and correct or remove any inaccurate details from my credit file as appropriate.SYNCB/CARE CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX