23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX 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 60 days 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. 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 8
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXX Balance : {$8100.00}
Product: Student loan

Hello, I defaulted on my private loans with XXXX XXXX which is now Navient in XX/XX/XXXX and they were charged off on my credit. The loans were then sent to XXXX. The law firm, XXXX magistrate court, and I came to a judgment that I will pay $ XXXX month towards the loan with no interest or attorney fees included XX/XX/XXXX. 
I have never missed a payment on this judgment since created. However, Navient reports every year a new charge off charge to my credit report and does not reflect my current payment history. Also, they are continuously adding interest to my loans which the court order clearly states no interest included in the balance. 
I am in the process of purchasing home most recently as XX/XX/XXXX Navient has reported missed payment and charge off negatively to my credit report. When I am in good standing with XXXX/collection agency. This impacted my credit score by XXXX points. 
This practice has to illegal and unfair. The charge off should be a one-time occurrence not a continual monthly occurrence if the judgment is being meet by the courts. 
Sincerely, XXXX XXXX
Product: Debt collection

Looking at my credit report on XXXX XXXX XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One account was for {$200.00} and one for {$170.00} which is listed on my credit report as account XXXX. I sent a letter to the agency today on XXXX XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know who this company is and never received any letters from them. They are in direct violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and XXXX ( Health Insurance Portability and Accountability Act of XXXX ).
Product: Credit reporting 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 items ( 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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Product: Student loan

My loan servicer is Navient but I get multiple calls a day from XXXX XXXX XXXX leaving voice mails about my student loans. I used to answer and the person I spoke to said they have no affiliation with XXXX XXXX XXXX, they even checked with a supervisor. My guess is that Navient is disguising their phone number and using a XXXX XXXX XXXX number? I'm sure I am not the only person they are trying to deceive. Or is this a scammer phone number trying to get money out of me? I told them I do not have any business with XXXX XXXX XXXX and I will not discuss any of my details with them, yet they call multiple times a day and have filled up my voice mail box on my cell phone. I am at work and my cell phone is constantly ringing from XXXX XXXX XXXX XXXX.
Product: Debt collection

Comenity bank has called my phone nonstop for the last 3 weeks. From XX/XX/2021 to XXXX XXXX. They have called at least 7 times a day from unknown numbers. This is after I told them when to expect their payment. This is not acceptable I can not have my phone ringing 10 times a day for a debt that I made clear when I was going to pay. I also stated many times for them to stop calling from unknown numbers and to leave me alone. They have refused to do so, and have now started calling BEFORE XXXX.
Product: Credit reporting

Customer 's Statement of the Problem : On XX/XX/XXXX, looking over my monthly bank statement. I noticed an unfamiliar charge on my bank statement. Contacted the bank to investigate found out the charge was fraud. The fraud started XX/XX/XXXX through XX/XX/XXXX. After solving the fraud situation with the bank, I started seeking the damage of the fraud. On XX/XX/XXXX, I received a copy of my credit report. Going through the report I found a lot of negative issues not related to me. I found Bankruptcy information, a XXXX ( XXXX ACCOUNT ), and Credit Inquires being reported as a negative towards my report. I contacted TransUnion Credit Bureau to dispute the false reporting of these issues. My first attempt disputing through TransUnion was mailed certified on XX/XX/XXXX. Receiving an updated credit report on XX/XX/XXXX, TransUnion removed some of the items I disputed, but not all. The items TransUnion left on my credit report that should not be reported, was some Bankruptcy information, credit inquires, and the XXXX ( XXXX ACCOUNT ). On XX/XX/XXXX, I sent another certified letter to TransUnion in the attempt to have them remove the inaccurate items being reported on my credit report. Also, I informed TransUnion that if the Bankruptcy information, credit inquires, and the XXXX ( XXXX ACCOUNT ), accounts are not removed that several people and consumer organizations will be contacted. On XX/XX/XXXX I again received an updated version of my credit report from TransUnion. TransUnion refused to remove the false reporting material on my credit report once again. On my updated credit report TransUnion removed the XXXX account # XXXX that I am disputing in the Bankruptcy from being an Adverse Account to a Satisfactory Account. Not knowing how that was accomplished when the XXXX account # XXXX was included in a Bankruptcy. TransUnion went on to add another account to my credit report that is also being reported in a Bankruptcy that account is XXXX # XXXX. TransUnion continue to report these XXXX accounts as Adverse Accounts when both accounts are included in a Bankruptcy therefore neither account should be visual on my credit report. TransUnion also refuse to remove the XXXX ( XXXX ACCOUNT # XXXX ). TransUnion is reporting this account as being open. I informed TransUnion of the closing of the account in XXXX separate dispute letters. I also sent TransUnion the letter I obtained from XXXX ACCOUNT # XXXX showing the closing of my account with them. This meaning the XXXX ACCOUNT # XXXX should not be visual on my credit report at all especially as an Adverse Account being stated by TransUnion XXXX I have copies of all letters sent certified to TransUnion by me as they show proof of contact and effort to have these accounts removed. Also I have a letter from XXXX, which shows my account to be closed. I am seeking TransUnion to delete these accounts visually from my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times, my financial Institute and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian are all reporting NON-MAILABLE ADDRESSES on my credit report, Incorrect spellings of my name, and employers I have no affiliation to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of my spouse not working due to the pandemic we had to do a Forbearance and later a loan modification. The credit bureau is showing we have late payments on our accounts. 
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 1881. 
Accounts- XXXX  XXXX XXXX- Account # XXXX Transunion Accounts-XXXX XXXX XXXX- Account XXXX XXXX XXXX Accounts- XXXX XXXX XXXX-Account # XXXX XXXX 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 items 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 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

FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 


XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX inquiries XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US DEPT OF EDXXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I am an upstanding XXXX XXXX. I have been the victim of identity theft. 
I have taken your advice and submitted and FTC Identity Theft Affidavit to the credit bureaus and the collection company itself. 
They seem to feel they are immune to following your laws.
Product: Mortgage

I wanted to reduce my mortgage by removing pmi. After struggling with moving money from bank to bank, I was able to make another 10 % payment to Stonegate Mortgage. I had put 10 % down on the house and with the 10 % payment, was at least 20 % of original loan. The whole goal was to reduce my mortgage by approx. {$200.00}. Not only has my pmi not been removed, I was told that I had to pay an additional {$110.00} to request a broker document before they remove the pmi or I have to wait years until the loan value is 78 %. They just gave me a bunch of other things to do. The problem is I work 14+ hour days every day ( XXXX hours just driving from XXXX to job ), and am at the limit for bankers bs. They took my money, which I can not invest, I told them the intent was to reduce pmi. Now they want to charge me more money before removing pmi even though I have paid the 20 %.
Product: Credit reporting or other personal consumer reports

I have tried to get XXXX to properly report my account for years. XXXX is causing a personal injury to my family and I by not reporting the correct information. The usage updates automatically numerous times a month. My payment on my accounts are not being updated and are adversely affecting my accounts and my credit. I have screen shots and recorded phone calls with banks and representatives of XXXX. XXXX always blame the institutions and vice versa. This in sure is a trend impacting certain demographics more than others. I have over half my accounts pass the XXXX day mark with no update. I'm trying to get out of a hotel to find a home. If my credit card usage goes up everyday and my payments do not update there is false information projected by XXXX and the other two major credit distribution organizations.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

I am in the process of purchasing a new house with XXXX XXXX and elected to use their mortgage company, DHI Mortgage as the lender. In starting the application I was given a number of forms to sign electronically, however, when it came to collecting the documentation to substantiate my qualification for the loan, the loan officer told me I could email my information or fax it. 
When I was inquired about a secure upload since I was being asked for bank statements, tax returns, pay stubs, etc I was told to just encrypt the PDF. I would feel more comfortable with a dedicated secure upload. 
For the average consumer it would not occur to them that email is not the most secure way to send the documentation and most are unlikely to think about encrypting or otherwise protecting their information. At this point it has taken significantly extra time to submit the documentation since I know have to locate the documentation, print and then arrange for use of a fax machine which is very costly if I elect to go to a print shop or other commercial provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Vehicle loan or lease

I paid off a car 5 years ago that I no longer have. Just recently the creditor ( Sensible Auto, ironically named because theres nothing sensible about them ) reported that I missed 10 payments. I never missed a payment, was never notified I missed a payment, and any time I thought I would be late by a few days I informed them I was XXXX XXXX XXXX XXXX XXXX XXXX. They told me no problem but either way I was never XXXX days late on a car payment ever. I want this removed from my report as I have never been provided with any information that details exactly when a payment was due and how long it was before I made the payment. If you look at any other account I have never missed a payment. I have a mortgage, a truck loan, credit cards, etc. and I have never missed a single payment. Sensible Auto is completely dishonest as far as Im concerned. Thank you for taking the time to review this.
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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX  Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX. Subject : Opt-Out Request for Sale or Sharing of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX I XXXX L XXXX am writing to assert my rights under California XXXX XXXX XXXX XXXX and to request that you cease the sale or sharing of my personal information to third parties. I exercise my right to opt-out of the sale or sharing of my personal information, as provided for in Section XXXX ( a ). As outlined in Section XXXX ( b ), I expect your agency to provide the required notice to me, in accordance with Section XXXX ( a ), confirming that my personal information may be sold or shared and acknowledging my right to opt-out of such transactions. I would like to bring to your attention that, per Section XXXX ( c ), if you have actual knowledge that I am less than 16 years of age, you must refrain from selling or sharing my personal information unless affirmative authorization is provided by me, or my parent or guardian if I am under 13 years of age. I am hereby directing your agency, in accordance with Section XXXX ( d ), to cease the sale or sharing of my personal information. As per Section XXXX ( c ) ( XXXX ), you are prohibited from selling or sharing my personal information after receiving this directive, unless I subsequently provide consent for such transactions. I appreciate your prompt attention to this matter and expect confirmation of my opt-out request within the time frame stipulated by law. Failure to comply with these provision may result in legal consequences, as outlined in the California Consumer Privacy Act. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the credit bureaus to valdate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. 
Please have them delete these unauthorized inquiries. 

XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Dealers, Used Inquiry date : XX/XX/2020 XXXX/XXXX  XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/2020 XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX : XX/XX/2020 2020