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

The entire problem squarely belongs to Equifax. They refuse to acknowledge three authorized user accounts that I am still on. The other 2 bureaus are still reporting them. 

On XX/XX/XXXX EQ Report XXXX ; All Three AU ( Authorized User ) Accounts were reporting 1. XXXX 2.  XXXX 3. XXXX XXXX XXXX. 

XX/XX/XXXX EQ Report XXXX XXXX Account drops off. 

XX/XX/XXXX EQ Report XXXX XXXX Account drops off. 

XX/XX/XXXX EQ Report XXXX XXXX XXXX XXXX drops off. 

My partner is the individual who listed me on his cards ; XXXX XXXX XXXX, and we both reside at the same address. 

EQ Report XXXX Begins the non-reporting of my XXXX accounts on XX/XX/XXXX. However, XXXX and XXXX are still reporting to this day. I 've spoken to all three Credit Card 's Reporting department and each has told me that is is not on their part, but they are indeed reporting the three Revolving Cards with me as an XXXX 

I call EQ and they have absolutely no record of the accounts at all! I 've been told to call the lenders because it 's a problem on their end. 

I keep fairly good records and have all the documentation to show. I 've sent several disputes to EQ but yet to get any sort of response. This has been going on since Mid-XX/XX/XXXX. 

In the course, my XXXX has dropped my score by almost 20-points with EQ. It is the lone score that is sorely out of place. 

Lastly, as a point of reference, the AU cards are my partner 's cards. We 've been together for almost 14 years now and I still use and partially pay those statements when they arrive. All three cards are in my wallet now. 

Thanks for your time.
Product: Student loan

Nelnet student loan servicer started charging me for my loans on XX/XX/XXXX, before President Joe Biden 's first pause was set to expire in XXXX of XXXX. This is causing my account to be past due and they are charging me interest and fees. When I asked why they were charging me before the federal pause mandate was over, they did not have an answer. Furthermore, they said the only way that my account could be made current without paying the full amount due, which is now at {$1700.00} was to consolidate my loans and roll the past due amount into a new loan. They keep calling for payment, and provide no answers or other options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$0.00}
Product: Mortgage

I was considering a loan modification with Ocwen Loan Servicing. Once receiving the terms of the proposed loan modification, I decided not to go forward and declined the modification. During the 4 month time frame that Ocwen was working on the terms of the modification I made my regular payments to them on time each month as shown in my payment history. They advised this as it would ensure I continued to meet my contractual obligations. Nevertheless, Ocwen has been reporting me as delinquent to the credit bureaus. I asked them about correcting this multiple times. However, it has still not been corrected. And they continue to report inaccurate information.
Product: Credit reporting or other personal consumer reports

This account is from 2016, 7 years ago. 

It is now resolved and closed.
Product: Vehicle loan or lease

My complaint is simple. The story, not so much. Today when I went to pay my car bill ( online XXXX  https : //www.kiafinance.com/home ) I discovered that because I was late making the payment I was unable to pay online. The website did not say as much but after attempting to make a XXXX payment 3 times and being denied, I had to use their chat function. 
The agent on the chat informed me that I might need to call since the payments were unable to be completed through their portal. They informed me that mailing a check may not work because I am too close to getting the car repossessed. This is probably the XXXX or XXXX time I've been through this with Kia Finance. 
I called them as I was told and today they showed me mercy and did not charge me a fee to pay because I complained enough. However in the past I've had to pay the late fee along with the payment fee because they would make it impossible to get the account current without having to call in or mail a check. 
Here is the point of my little story. I'm no saint and I'm late frequently because its 2024 and money is tight. I DO pay my bills though. It baffles me that we live in a country that actually thinks its ok or normal to charge people who are trying to get current on their debts fees like this. What is the " Late Fee '' for when we still charge more fees on top. I don't mind the late fee. What I want you all to fix it these Junk Fees. Anyone attempting to pay a debt should have every obstacle removed from their path. The idea that the web portal is for my convenance is a copout. 
Business practices like these allow companies to treat Americans like second class citizens when they are literally trying to make things right. STOP LETTING DOMESTIC COMPANIES PROFITY OFF OF THE MISFOURTION OF FELLOW AMERICANS PLEASE!
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXX - XXXX - Please verify the manner in which you are reporting this account. I have contacted the Attorney General 's office, XXXX XXXX XXXX XXXX XXXX and they have stated that they did NOT report to any credit agencies. - This account is fraudulent and needs to be removed off of my credit report asap per FCRA sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. 

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 XXXXXX/XX/year> That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions.
Product: Checking or savings account

On XX/XX/2022, my son and I opened multiple bank accounts at the Huntington Bank XXXX XXXX XXXX XXXX in XXXX, OH with XXXX XXXX. Both of us had a coupon for a bonus to open the accounts. My coupon was for {$200.00} and my son 's coupon bonus was for {$150.00}. XXXX XXXX said that we both would receive the bonuses, even if I open the account with my son. I received my bonus in XX/XX/2022. However, my son never received his bonus despite XXXX XXXX stating that he would receive it. The last time that I spoke to the Branch XXXX XXXX XXXX in XXXX or XX/XX/2022, she stated that her supervisor said that he would not rectify the issue. When I reminded her that XXXX stated that we each would receive the respective bonus and that if he had not stated that, then I would have had a grandparent open my son 's account with him instead of me, she said that she would talk to her supervisor again and then get back to me. As of today, XX/XX/2022, I have not heard back from XXXX XXXX or her supervisor. Please process my complaint and ensure that my son get his bonus, as promised by Huntington Bank.
Product: Credit card or prepaid card

My phone was stolen and once I recovered my phone I noticed a unauthorized charge made on my account. I filed a dispute about this unauthorized transaction cashapp denied my dispute when I didnt even authorize this transaction. My phone was stolen and I have proof that I wasnt in possession of my phone when this transaction occurred. I already recontacted law enforcement to inform them that yall are allowing my money to be stolen from my account. I also contacted XXXX XXXX XXXX  and the other major companies to XXXX XXXXXXXX I will not give up on this complaint until I get my money back that was stolen from me. I will not give up on this complaint until I get my money back that was stolen from me, I will take this to court and XXXX yall if thats what it takes for me to get a refund for the unauthorized charge that was made on my account I will do whatever it takes. If you refund me for the unauthorized charge I will close the complaint and I wont take it to court. I filed a complaint against you.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXX, XXXX ACCT # XXXX
Product: Credit card

XXXX advertisement on their website says I could get a {$200.00} ( XXXX XXXX XXXX  ) statement credit if I open a credit card, get approved and purchase a XXXX ticket with them and pay with the credit card, all was done, when I contacted the XXXX customer service, they said I should see the credit on the 3rd statement, Ive using the card for 6 months and never got the credit, called them many times and they keep pushing me around to different people, its matter of honor what they promised, thats all I wanted
Product: Credit reporting or other personal consumer reports

It i have been a victim of identity theft and have tried to reconcile this issue with your company more than once, The only outcome i have received from you is that this accounts was opened by me. This is very unsettling and illegal, please be advised that disregarding this means that you can be subject to a {$5000.00} fine and/ or litigation for not reserving my rights under U.C.C 1-308.4 ( i am reserving my rights under U.C.C 1-308.4 not to be compelled to perform under any contract or commercial agreement that i did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY. I do not accept the liability of any compelled benefit or lack thereof, or any unrevealed contact commercial agreement. I have a right to sue you under the common law for violating my rights under the UCC )
Product: Payday loan, title loan, personal loan, or advance loan

Account Name - DUVERA BILLING SERVICES, LL Account Number - XXXX Reported balance - {$1900.00} Date reported - XX/XX/year> I asked the company to provide me with my hand written signature of proof. And they failed to do so.
Product: Debt collection

This medical bill was sent to collections ( Wakefield ) on XX/XX/2019. I contacted the company after I received a letter in the mail and told them I would start a payment plan after my wife and I got situated after our move. They continued to call me several times a day, at very early hours ( before XXXX XXXX ) despite my communication and efforts to evade the unnecessary contact. This a violation of debt collector laws.
Product: Credit card or prepaid card

Having a hard time due to medical bills so I called Capital one to ask if they would let us skip a pmt. I talked to XXXX who said they had a hardship program that would let us skip payments for 3 months without extra fees etc : I said great. She said I would receive notice ( did not ) tried to call her back on XX/XX/17 could not reach her. Talked to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, ( no help ) finally talked to XXXX said her # was XXXX said she would pull the recording and someone would call us within the week. No Calls.She was a supervisor with special assistance dept. We also noticed they turned us in to credit for late pmt. On XX/XX/XXXX we got in touch with XXXX Senior account mgr. who said that if we would pay XXXX he would take care of the problem wave fees pull the bad credit report and get us back on track since we have never missed a pmt in way over 10 years with them. We made the payment and found out they applied {$400.00} to fees and interest and did not remove the bad credit report as promissed. We tried and can never get in touch with any of the people talked to. They recorded the conversation when XXXX told me about the 3 month program but I guess won`t pull it up. Thanks you if you can hellp us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help I have bankrupcty on my credit and I never filed bankruptcy I never lived at XXXX XXXX XXXX XXXX XXXX. I never had a XXXX loan, XXXX, XXXX XXXX   XXXX, XXXX, 2 bankruptcies are reall hurting me. I contacted the courts they said the dont give out information or credit information. I demand this be removed from my credit report. I believe its racially motivated I have a feeling when I call they brush me off. I have a deep XXXX accent. I work 80 hours a week Please help remove this information from my report. Please
Product: Mortgage

I was married and my husband bought this house in XXXX. He put everything in his name and I was naive about this. In XX/XX/XXXX I suffered XXXX XXXXXXXX, he was convicted, he asked for a divorce and I was awarded the house in the court settlement, XX/XX/XXXX. The settlement also instructed him to allow me to speak to the financial institution, Freedom Mortgage, about the mortgage. He did not follow this order- although he continued to pay for the mortgage. The settlement further indicated that if he did not follow the order, that the court settlement would serve as approval for me to speak to the mortgage co. ( see divorce settlement attached, Section 1.1. A, B, C ). Unfortunately, my husband, unknown to me, ceased making the mortgage payments. He also had his bills sent to his parents house during and after our marriage so I never saw any bills ( I was naive in all this ). In late XXXX, my in-laws informed me of a letter to my former husband from a law firm. They gave it to me ( he has been out of contact with anyone for several weeks ). This was a foreclosure letter for XX/XX/XXXX. I have tried repeatedly to contact the mortgage company to allow me to see the bill, pay the mortgage and stop the foreclosure. They will not acknowledge the court settlement nor communicate with me out of their greed - because my name is not on the mortgage even though the house was awarded to me. This is life altering for me and my XXXX and XXXX XXXX XXXX. I am desperate and writing everyone and anyone to help. My husband was nefarious and controlling from the start. I was naive. have a XXXX XXXX that has impacted my ability to deal with him well. Freedom Mortgage is taking advantage of me and my family by not even allowing me to bring the mortgage up to date and stop the foreclosure. Please help.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding three fraudulent accounts that have appeared on my Experian credit report as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I was a victim of a data breach, which compromised my personal information. In response to this identity theft, I filed an FTC Identity Theft Report, had it notarized, and uploaded it to Experian along with my dispute request, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2. Despite providing all necessary documentation, Experian ignored my request and failed to remove the fraudulent accounts from my report.

Under the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Additionally, per 15 U.S.C. 1681c-2 ( a ), I have the right to request the blocking of information resulting from identity theft when proper proof is provided, which I have done. Experians failure to comply with these legal obligations is a direct violation of federal law.

Furthermore, Experian has an ongoing lawsuit regarding a data breach that compromised millions of consumers personal information. Given that I have been affected by multiple data breaches, Experians negligence in properly handling identity theft disputes puts me at further financial risk. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and ensure that Experian complies with federal law by removing these fraudulent accounts immediately and updating my credit file accordingly. Additionally, I seek accountability for their failure to follow proper dispute procedures, as required by the FCRA. 

Please take urgent action to resolve this matter
Product: Credit reporting or other personal consumer reports

I filed a complaint against them last month. They are refusing to take a payment from me now making me more behind and now put it on my credit making it seriously drop. I am about to get a lawyer. They are doing thing illegally and when you refuse payment in the state of iowa you just voided the whole loan.
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 USC1681. 

Account name : XXXX XXXX ACCT # XXXX violated my rights and also reporting inaccurate information. This company charged off this debt and sent me tax documents. Which I had to file with the IRS which means this is a now a tax issue reporting on my credit it is NO LONGER a debt due to the IRS reporting, I had to report this amount XXXX as income. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. That I have submitted a complaint several times over the last couple of years. Even in closed status plus an IR

S 1099C charge off the amounts are going up and down. 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 supposed 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

I am writing to file a formal complaint against TransUnion, for their failure to comply with their own policies, their apparent non-compliance with their own policies, inadequate investigation, and lack of transparency in the processing of my credit report dispute. TransUnion has failed to adhere to its own policies and the Fair Credit Reporting Act ( FCRA ) by not processing my credit report dispute within the legally mandated 30-day timeframe. Despite my timely submission of dispute documentation and supporting evidence, TransUnion has not taken the necessary steps to investigate and rectify the inaccuracies on my credit report. TransUnion has not adhered to its own dispute processing policies, as outlined in its public guidelines. Despite my submission of comprehensive documentation and supporting evidence to rectify inaccuracies on my credit report, TransUnion has failed to conduct a proper investigation and resolve the dispute in a timely manner. It appears that TransUnion actions are in violation of the Fair Credit Reporting Act ( FCRA ) and other relevant laws and regulations. The FCRA mandates that credit reporting agencies conduct reasonable investigations into consumer disputes. TransUnion failure to do so raises concerns about their compliance with legal requirements.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023.
Product: Debt collection

I have multiple invoices from XXXX XXXX XXXX in XXXX XXXX, SC. XXXX XXXX XXXX XXXX XXXX XXXX etc. The hospital uses a company called Medicredit. I have set up two separate payment plans with them with one being an amount I really cant afford. Inpu all of these on a payment plan, but they continue to call to try to collect the debt. If I wasnt paying anything, then I would understand the phone calls to collect the debt. This is now harassment and I have Generalized XXXX. Im asking Medicredit or XXXX XXXX XXXX to no longer contact me unless for some reason I need to renegotiate the payment plan due to loss of employment.
Product: Debt collection

On XX/XX/2020 XXXX XXXX XXXX sent me a letter to collect the debt with amount is {$3600.00}. I respond to them that I don't have any account with them and my name is not the same as the person they want to collect the debt but they didn't respond to me. 

Today XX/XX/2020 I received a letter from LCS financial services corporation attempts to collect the debt for XXXX XXXX XXXX, that debt not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to LexisNexis in regards to wrong unverifiable information on my C. L. U. E auto report ( not at fault accident XX/XX/2018. ) I asked them to remove this information. I also asked them to freeze my account which they have, but never respond to my dispute. I know due to the F. C. R. A. They have 30 days to respond.. They have only responded to the security freeze.
Product: Mortgage

Between XXXX and XXXX I attempted to modify my loan with Wells Fargo prior to foreclosure. They did not respond to my requests. The company was fined on XX/XX/XXXX by CFPB for this lack of response to consumers. I'd like to know if I can apply for restitution from the funds that are being collected from Wells Fargo due to their short comings. 

XXXX