23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX ( mortgage processor : NMLS XXXX with Navy Federal Credit Union made duplicate credit inquiries on the credit reports of myself, XXXX XXXX as the result of a refinance mortgage application from XX/XX/XXXX. They happened on the following dates : XXXX and XXXX pulled on XX/XX/XXXX XXXX, XXXX and XXXX both pulled again on XX/XX/XXXX, and XXXX pulled again on XX/XX/XXXX. All of these inquiries were unnecessary and a result of Mr. XXXX negligence with my credit file. As a result, they need to be deleted as they are hard inquiries. These inquiries were in addition to the other inquiries from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I want to ensure that I was not a victim of predatory lending practices and I am certain that Navy Federal Credit Union does not want be accused of such. I questioned Mr. XXXX about all inquiries, but to no avail. I have email correspondence as proof and Ive attached the alerts that I received as a result of his negligence with my credit file. His supervisor, XXXX XXXX, was also notified via email, but I did not receive a response from her either.
Product: Credit card or prepaid card

1.I have never had an account with this company WORLD FINANCE CORPORATION XXXX , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WORLD FINANCE CORPORATION the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting or other personal consumer reports

I contacted Equifax by mail twice and by phone many times asking that all unverifiable information be deleted I have not yet to receive a response. I also asked XXXXXXXX XXXX to please delete all an accurate and fraudulent accounts wether closed or open to be deleted because they were there as a result of identity theft and nothing was done I did send in all of my information to verify my identity and nothing was done I am now asking for your help there were also two accounts that were put back on my credit report that were previously deleted one of the accounts are XXXX XXXX XXXX XXXX and the other account is XXXX  I am asking for your help because I have done everything that I can do to remove this virtual information for my account I also sent the documents showing that my information was involved in a data breach with Equifax and nothing was done. Thank you for helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX loans should be deferred due to unemployment and COVI-19. XXXX continues to report inaccurate information. I have been ignored and my concerns have not been addressed. I asked for unemployed or no income-based repayment. Nothing has occurred
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE I HAVE NO INFORMATION I HAVE NO WRITTEN DOCUMENTATION I HAVE INFORMATION ABOUT THIS COMPANY I DID NOT AUTHORIZE THIS COMPANY TO SUBMIT OR RELEASE INFORMATION FALSELY AGAINST ME I DID NOT AUTHORIZE THIS COMPANY TO PLACE FALSE UNAUTHORIZED UNPROVEN FASELY ATTEMPTED INFORMATION FOR A PROFIT WITH AN ATTEMPT TO CAUSE HARM
Product: Credit card or prepaid card

I have been actively paying off regular and promotional balances with my Home Depot store credit card managed by Citibank. I have tried calling over several weeks and made approximately 10 phone calls to have this problem repaired without success. Each month I pay my minimum amount due plus extra toward promotional balances. My statement closing date is the XXXX of each month and my payment due date is the XXXX of each month. 

On XX/XX/XXXX I made a payment in the amount of {$210.00} Minimum payment of {$79.00} remaining balance ( {$130.00} ) to be applied 100 % to promotional balance expiring on XX/XX/XXXX as agreed upon in letters dated XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX I made a minimum balance payment in full in the amount of {$74.00} due XX/XX/XXXX On XX/XX/XXXX I made an additional payment of {$100.00} to be allocated 100 % toward promotional balance ( {$290.00} ) expiring on XX/XX/XXXX as agreed upon in letter dated XX/XX/XXXX On XX/XX/XXXX I made a payment of {$130.00}. XXXX payment of {$73.00} and remaining balance XXXX {$63.00} XXXX to be allocated 100 % toward promotional balance due on XX/XX/XXXX. 

Not only were the payments not allocated as agreed in letter dated, XXXX XXXX they were also not allocated according to The Credit Card Accountability, Responsibility and Disclosure Act ( or Credit CARD Act ) of XXXX. As as result I was charged a late fee and my account has been marked as past due. 

I have never been late or missed a payment in the history of my account with Home Depot Citibank. Customer Service refuses to remove my late charge and late status which in turn will adversely affect my credit. This may also cause me to be charged interest on purchases that were agreed zero interest with promised payments. I have made all payments as promised and Citibank Home Depot is not allocating the payments as agreed upon in writing.
Product: Debt collection

On XX/XX/XXXX I sent out validation Letter to the company whom have been requesting me pay a debt of {$170.00}. On XX/XX/XXXX the company SouthWest Credit (  collection agency ) sent me back on letter that enclosed the account, company, policy number and dates for the coverage they claim I owe. However they have failed to validate this account belongs to me. I am requesting this collection be removed from my credit report with all three CB 's. This is destroying my reputation as a credit worthy individual.
Product: Credit card

They denied me of opportunity to get credit and title 15 subsection title, 1611 faults and misleading deny of my own credit and theyre sharing and reporting bad information about my credit with other bureaus15 USC 6802, 15 USC 6803, 15 USC 6804, and 15 USC 6805
Product: Debt collection

Midland Funding company only will send a copy of a credit card statement as validation of the debt. I have asked for them to send me a copy of a signed agreement with Midland Funding and myself. Also, they keep changing the amount owed each time I dispute the debt. On XX/XX/XXXX they reported to the credit bureau for account # XXXX amount {$3300.00} after I disputed it. On XX/XX/XXXX they changed the amount to {$3300.00}, on XX/XX/XXXX they changed the amount to {$3300.00}. on account # XXXX they reported on XX/XX/XXXX amount owed {$750.00}, on XX/XX/XXXX amount owed {$750.00}, on XX/XX/XXXX amount owed {$750.00}. The also have removed the previous information to make it appear that this is a current debt. They also did the same on account # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet somewhere in XXXX County ever since I lost it years later I found out my credit history is weird so I contacted the credit bureau like XXXX, XXXX, transUnion for years they never do anything about it so thats why Im here making this complaint on those companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an inquiry on my credit report from XXXX. I do not recognize that company. I notified XXXX and Transunion about the unauthorized inquiry and was told do another dispute. I have disputed this matter before with no avail. 

This should not be furnished on my report as it is in Violation!! Under, 15 U.S. Code1681c-2 a consumer reporting agency shall block the reporting of any information any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

These inquiry should not be furnished on my consumer report as they are in VIOLATION! Under,15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items immediately.
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance in resolving an ongoing issue regarding inaccurate credit reporting by XXXX. Despite submitting multiple disputes and providing supporting documentation, XXXX continues to report incorrect payment history on my Student Loans with Department of Education.

The payment history inaccurately reflects a 90-day delinquency for XX/XX/2017, even though the account was in deferment at the time. Additionally, the account was reported as current for both XX/XX/2017 and XX/XX/2017. Despite these clear inconsistencies, XXXX has advised me to contact the creditor directly, rather than taking responsibility for investigating and correcting the error. 

Further complicating this situation, my loans are currently in administrative forbearance due to the ongoing federal investigation into the XXXX XXXXXXXX XXXX for unfair business practices. Given this forbearance, no payments should be reported as delinquent. Under the Fair Credit Reporting Act ( FCRA ), it is XXXX 's responsibility to ensure that the information they report is accurate. It is not sufficient for them to defer the matter to the creditor without properly investigating the facts. 

I have attached documentation that includes the deferment notice, information on the forbearance, and relevant correspondence with XXXX and the creditor. I respectfully request that the CFPB investigate this matter and require XXXX to : Remove the inaccurate XXXX delinquency for XX/XX/2017 and update the payment history to reflect the correct forbearance and deferment status. 

Ensure all information reported across major credit bureaus is corrected and that any negative impact on my credit score is removed.

Thank you for your attention to this matter. I look forward to your assistance in ensuring that my credit report is corrected and that XXXX fulfills its obligations under the FCRA. 
Sincerely, XXXX XXXX
Product: Student loan

On XX/XX/2024, my new lender XXXX submitted a check to three lenders : XXXX XXXX, Firstmark Services, and XXXX. XXXX XXXX has already received and processed the check. Firstmark Services denies receiving this check as of XX/XX/2024, such that interest accrues both on this old loan and my new loan. I have followed up with XXXX to receive the check number for each old servicer and offered to provide this to Firstmark Services to expedite the process. Firstmark Services continues to sit idly as my interest accrues on this account, without offering to do anything to resolve the matter. 

As such, I am effectively paying double-interest on my Firstmark Services and my XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover use to have a balance of XXXX but now went down XXXX based on a car I voluntarily surrender and paid XXXX for a 3 year lease car so discover is going based on a shortage of XXXX for the XX/XX/XXXX XXXX XXXX n I voluntarily surrender n only owe XXXX n discover card hurt my credit report they said I have 2 take it out w u guys ... I am XXXX XXXX but discover still got there money.. I'm sooo upset
Product: Mortgage

Select Portfolio Servicing Inc. has made repeated errors reconciling my escrow and as a consequence they are calculating a 2017 payment that is more than it should be. I have requested that it be corrected multiple times. XX/XX/XXXX, they misapplied my payment to insurance and this created an arrearage. I have called multiple times since XX/XX/XXXX and this issue has not been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity on my credit report I called and filed out complnt with XXXX  but nothing has been done am trying to repair the damge plases if someone can look into these inquiry XXXX XXXX XX/XX/XXXX also on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX also on XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX XXXX XXXX Wrong Addresses : XXXXXXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX XXXXate Updated : XX/XX/2015
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The Comsumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither removed nor corrected disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2024, I noticed several inaccuracies on my credit report. I sent letters to XXXX, XXXX, and Experian detailing the information I believed was incorrect and requested that they correct the errors and provide me with an update once the changes were made. In compliance with the Fair Credit Reporting Act ( FCRA ), which mandates a 30-day response period under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I allowed 30 days, plus an additional 15 days for mailing, for their investigation and response. 

However, I did not see any updates on my credit report. Later, I received a letter from XXXX requesting that I confirm my identity by sending personal documents, which I promptly provided. From the other bureaus, I received no response at all, a clear violation of their obligation to investigate disputes and respond under the FCRA. 

I sent a follow-up letter to all three bureaus, informing them that since they had not responded, they were required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the inaccurate information. Additionally, I requested that if they had verified the disputed items, they provide me with the documentation they used to validate the information. Once again, I received no response, which constitutes another breach of the FCRA 's requirements.

This process has been extremely stressful, as the inaccurate reporting has negatively impacted my ability to build business credit. The failure of the credit bureaus to act on my dispute within the legally mandated time frame has now exceeded 60 days since my initial request. In my final letter, sent in XXXX, I stated that I would escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) if I did not receive a response. Despite this warning, I have still received no communication or resolution. 

The credit bureaus ' noncompliance with 15 U.S.C. 1681i has left me no choice but to take matters into my own hands. I am prepared to escalate this issue further, including filing a formal complaint with the CFPB and exploring legal action, as permitted under 15 U.S.C. 1681n and 1681o, for their willful or negligent noncompliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX 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
Product: Debt collection

Disputed with company directly as well as with Credit bureaus Numerous times requesting validation AND verification of debt via certified mail and online disputes tool. 
Each came back verified with out proof even with an attached FTC report of Identity theft. It has been months and most recent request for verification is now past 30 days without the requested verification. I have also filed a FTC report due to this not being verified because these are not my debts. 

-COMMONWEALTH FINANCIAL SYSTEMS
Product: Credit reporting or other personal consumer reports

I have over 15 years of credit history both good and bad. I've filed bankruptcy more than once and I've had tons of accounts in collections over the years. I also have a very common name that often gets mixed up with other people with the same name. 
There are more than a dozen inaccurate addresses on my Experian credit profile. I've tried deleting them through online disputes only to be met with an error message to call XXXX. I've written a request to delete these addresses that I've never been associated with & didn't get a response and nothing happened. I called Wednesday XX/XX/XXXX as requested. The frontline representative told me they can't delete or dispute the erroneous addresses and that I should contact whichever bank/company reported it. I told them I believe some of these addresses are fraud as I've never lived there. They transferred me to the fraud department at Experian who told me the same thing. 
I believe banks/collection agencies use tools to XXXX XXXX XXXX XXXX / find other possible addresses to send collection notices. When they did this, they also reported these addresses that aren't mine. Regardless of however they came up with these addresses- they aren't mine. 
XXXX XXXX XXXX XXXX removed addresses that aren't mine in one simple request. Why does Experian have to be so difficult? 
I haven't been declined credit as a result of my Experian report having 19 addresses that need to be removed, nor has this impacted my credit score... it is simply inaccurate information and it needs to be removed. 
Objectively I know where I have lived and what my address is.
Product: Mortgage

I received a Notice of Default and Right to Cure from Select Portfolio Servicing, addressed to me, instead of my attorney, dated XXXX XXXX, 2016, and received on XXXX XXXX,2016. This letter will be furnished to CFPB, upon request. This is Improper Contact, for the THIRD TIME with me ; see Former Complaints to CFPB by me and my attorney. In their last response to CFPB, they stated they would not contact me instead of my attorney. Obviously, they feel they are above Consumer Financial Protection Laws, and fear no consequences. My resolutions to this Complaint is that they, SPS, 1. contacts my attorney, instead of me, and 2. that SPS immediately stops alleging that XXXX XXXX is the Trustee on this fraudulent loan. XXXX XXXX is currently involved in a lawsuit and investigation brought!. by the United States Department of Justice, concerning their fraudulent loans.