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

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. Experian have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

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

Please refer to attached documents for detailed information!

This account remains inaccurate and not properly reported on my consumer report as they are in VIOLATION of my RIGHTS!!!!!

15 U.S. Code 1681a - Definitions ; rules of construction 15 USC 1666B 15 U.S Code 1681b 15 U.S Code 1681b 1681b-A ( 2 ) the reasons for the determination under subparagraph A and ( ii ) CONSIDERATION OF CONSUMER INFORMATION ( 4 )
Product: Mortgage

In XXXX XXXX, my lot loan mortgage was sold to Select Portfolio Servicing , Inc . I have had this lot since XXXX which the loan has been sold several times and never required homeowners insurance. This property is a tiny XXXX piece of land with no dwelling. Upon SPS obtaining this loan, they started sending letters in XX/XX/XXXX advising that homeowners insurance is required. I started reaching out to them immediately! I have called and written many times since the initial letter in XX/XX/XXXX and I keep on getting the same response even up to my last reach out at the end of XXXX, We are reviewing the documentation still. They promised me that it will be reviewed and a resolution will be provided. As of today, XX/XX/XXXX, no resolution has been provided. No one will tell me what the holdup is or what I can do to help provide needed documentation to prove there is no dwelling. Now the bank XXXX XXXX placed insurance on my mortgage payment and I am stuck paying for insurance which is not required. I dont know what else to do? I have provided the tax bill showing no assessment on a dwelling, property card from the county and a copy of the initial loan rider showing its a lot loan. They never told me what I needed to provide. I just sent it. I have no idea what they need. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a dispute in pursuant 15 USC 1692 to validate an alleged debt. On XXXX XXXX,2020 a notification for my dispute was updated. This does not evidence as validation of debt and I am certainly aware of Admission by slience.
Product: Student loan

XX/XX/23 I called Aid Advantage to ask about some details involving my repayment. They were unable to answer my questions. I asked why one of my accounts was at {$4500.00} and after the first month of XXXX 's payment only brought the principal down to {$4500.00}. I mentioned that this was the same for all of my loans and that there was more allocated to interest in XXXX than in XXXX. Their reply was that my account was in forbearance and that interest had accrued. I explained that there was no interest during the freeze and they replied with the definition of interest, that if you have a loan, each day the loans accumulate interest. They were unable to assist me with detailed information on how my account balance was being managed by their autopay month over month. This appears similar to my wife 's account and many others online have described similar issues. 

In addition my credit score dropped XXXX from " increasing from XXXX to XXXX. '' It is difficult to find proper history of this on the Aid Vantage website and the representative was unable to tell me why my account accrued interest when it should not have coming off of the freeze that everyone was on. 

If this company is handling my loan and can not assist me with the information in house my debt is being handled, The US government needs to step in and solve this massive issue.
Product: Credit reporting or other personal consumer reports

The alleged creditor XXXX XXXX XXXX XXXX is in violation of my federally protected rights. 

XXXX XXXX XXXX XXXX and its agents have been garnishing my wages and have not updated the balance thereby negatively affecting my XXXX XXXX and causing me direct financial and mental issues. 
For example, the aforementioned company is reporting I have a balance of over {$5000.00} as can be seen in the photo from Experian Ive included in this complaint. 

XXXX XXXX XXXX XXXX has garnished my wages as such : AMOUNT-DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX As is plainly evident, XXXX XXXX XXXX XXXXXXXX, has had many opportunities to update my balance and they have not XXXX It was done purposely and willfully to harm my ability to obtain credit. 

According to : 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Therefore, I am seeking monetary relief in damages for each individual instance of negligence equaling the amount of {$7000.00}. 
In addition, XXXX XXXX XXXX XXXX, should cease and desist from reporting anything on my credit as they are not following the statues regarding credit reporting in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : 06 XXXX  ) XXXX XXXX  XXXX ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX  ( Original Creditor : 01 XXXX XXXX XXXX  AND XXXX XXXX  ) XXXX  ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Report Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have never been late on payments for the account. 

XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated on " on-time '' and never late as they should be as I was NEVER late or REMOVE from my consumer report. 

Thanks, XXXX XXXX.
Product: Checking or savings account

I opened the account with the term on direct deposit of {$5000.00} will grant {$500.00} bonus within 60 days of opening, I did the direct deposit in time but never received the bonus.
Product: Student loan

I requested forbearance due to losing my job, a few times, and rather than stop payments, like other companies did, they continued to add on the balance of the payment, not simply interest. They also made me pay {$50.00} on 3 occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXXXXXX XXXX****-Balance {$110.00} XXXX XXXX XXXX****-Balance {$1400.00} XXXX****-Balance {$9200.00} XXXX***-Balance {$790.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) -XXXX***-Balance {$XXXX} XXXX XXXX XXXX*-Balance {$XXXX}
Product: Debt collection

Reached out to creditors via phone described XX/XX/2017 victim of identity theft and fraud ; provided police report. To date each creditor have not reverse credit card to good standing or deleted omission 's derogatory statements from credit reports ( XXXX, XXXX, and XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Per Fair Credit Reporting Act FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of ANY AND ALL authorization, I the consumer may have given you written, verbally or unwritten or nonverbal per 15 USC 6802. 


Best, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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
Product: Student loan

I am getting calls everyday. I ca n't access my account online, the customer sevicers are rude. My payments do not show on he statements I am given and since I can not login to my account they have made it very difficult for me to keep track of my payments and charge me without explanation.
Product: Debt collection

In XXXX, I filed a complaint against my loan servicer XXXX XXXX XXXX with whom I had a private student loan with. I received a response back from XXXX XXXX XXXX stating that my servicer had changed, during the time that I was in XXXX XXXX XXXX from XXXX. Once my XXXX XXXX XXXX was successfully discharged, my student loan was placed with a law firm called XXXX XXXX. I was unaware of this significant change as I never received any communication. Also, it seems like unfair debt collection to be discharged out of a XXXX XXXX reorganization plan and not be given an opportunity to get on a payment plan or for payments to restart with your loan servicer. In addition, my mother XXXX XXXX was the cosigner on my student loan and she was also contacted after my bankruptcy discharge to make payments on the loan in which she made a payment of XXXX XXXX dollars to help reduce the overall balance. I recently found out less than XXXX was applied to the principal balance. Subsequently, during my attempts to dispute the debt through CFPB complaints, XXXX XXXX XXXX XXXX new loan servicer for my private loan took me to court and a judgment was placed against my primary residence. I never even received a summons from XXXX to notify me to go to court regarding my student loan debt. Based on what I utilized my private student loan for the original debt that I acquired fit the criteria to be XXXX during my XXXX XXXX discharge in XXXX. I have owned my home for over XXXX years and now in attempt to sale my home, I have a judgment of over XXXX XXXX dollars due with daily interest of {$2.00} a day, since the judgment was granted in XXXX. My mother has also been contacted many times from XXXX by the collection company regarding the debt in question and has made additional payments, however the judgment amount never has been reduced by XXXX XXXX XXXX XXXX is now defunct and I can not get an itemized account summary with all the payments received. I requested a loan account summary from XXXX XXXX but I never was provided XXXX. I recently communicated with XXXX XXXX at XXXX XXXX regarding paying off the judgment principal balance during my home settlement and the interest amount due be paid in a payment plan so that the judgment can be lifted but mysteriously she never responded to my inquiry/email. There were additional recipients on the email ( XXXX and XXXX XXXX and they also never responded. The interest should be forgiven or significantly reduced for this judgment. XXXX XXXX sent a judgment release letter to the title company, stating my judgment can be released for almost XXXX. In addition to the funds my mother has paid on the loan, they will have collected XXXX or more off of a student loan that originated for far less. I do not think it is fair to myself as a debtor to be treated in this manner with no recourse.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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
Product: Credit reporting

As per the creditor ( XXXX ) and the credit reporting agency ( TransUnion ), I 've waited XXXX days for my XXXX account information to update and report. As of today 's date this information is still not appearing on my credit report.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have/am requested they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to.
Product: Checking or savings account

So far I found XXXX bank accounts either opened or attempted to open. Credit cards used. Auto loan attempts I can't access social security file any more or my IRS file. My IRA account was emptied there are surity bonds that I didn't sign for. Appts rented etc I also have people logging into my browser XXXX XXXX  accessing my photos and publishing them. I just went to XXXX  for it pled guilty because I couldn't fight it from in there but have proof I didn't do it. But know one cares
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Please amend my complaint filed by the FTC ( XXXX ) on my behalf and other government entities as well. As of today XX/XX/2018, my credit file with Equifax has had the exact same issues as follow for almost a year. 
I personally have not been able to access to my credit file for almost one year, Equifax customer service can not access my file, Equifaxs XXXX which I was set up on last year can not access my credit file, as well XXXX There were some items that were clearly not related to me or my social security number, and I have yet to discover if they have been removed. 
Equifax ask me to provide proof of my identity numerous times to verify my identity, proof of social security number as well address, for which I provided them numerous copies over several months repeatedly of my passport, social security card and bank statements and there still is an identity verification hold also on my credit file. 
They as well had me provide them a signed copy of a document for the social security administration for  proof of my social security number ( form XXXX )  which I complied with and please note, learned that this signed document had been altered by an Equifax representative. 
Also, I will include emails that I started sending at the end of last year for assistance to a XXXX XXXX and XXXX XXXX ( managers ) who did absolutely nothing but be unprofessional, dishonest, hostile and behave in ways that are possibly criminal. They as well have confirmed that everything is resolved on numerous occasion, knowing full well if I were to call customer service my credit file is not visible or accessible, or I cant order a copy, file credit disputes or anything. 
In closing XXXX XXXX and XXXX XXXX have done things that I am not going to write in this letter to me personally, that are troubling and vicious, and I can not be the only individual and they are still in charge, how is this possible? Therefore, I would like to know when is the Department of Justice going to get involve because these people are destroying other peoples lives. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Mortgage

I received a bill from Amerihome mortgage company for about XXXX more than my mortgage payment normally is. I have attempted to call Amerihome and can never get through do to Covid they claim and wait times are outrageous. So I called XXXX the XXXX th of febuary at XXXX XXXX and spoke with a XXXX she stated that my insurance had gone up and that was the reason for the increase. My wife had contacted our home insurance provider XXXX to question the validity of this claim prior to my phone call because Amerihome charged us more money last year claiming the same reason. XXXX at XXXX explained that our policy is up to date and there are no issues.She also stated that our premium had gone up XXXX dollars for last year and that they did not have a quote for this up coming year.I attempted to make my XXXX mortgage payment with XXXX and a XXXX a escalation manager and was told I had to pay the extra XXXX dollars.I explained to XXXX that I was struggling to make the regular payment and reminded her the we are in a pandemic as Amerihome conveniently uses to excuse the long hold times while waiting to speak to someone.XXXX stated that I had to pay the XXXX or I could not make a payment at all.I told her that I could not afford that at this time and explain that I was not even notified about the increase and that we are all in a pandemic. She would not allow me to pay what I had, Amerihome is forcing me to be late on my mortgage payment .I quess this pandemic reality only can work for Amerihome and not the general public. Loan number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shared inaccurate information with Experian without my consent, therefore putting inaccurate information on my credit report. I disputed two bankruptcies that were showing on my credit profile with experian no other bureau is reporting such information except Experian. I filed a disputed to resolve the inaccurate information and Experian came back and said they received the info from XXXX XXXX. I called  XXXX they investigated the information and came back with it deleted because they were not able to verify the bankruptcy to be accurate. I then sent those letters that XXXX sent me to Experian they never replied back to me so I sent another letter asking to verify where are they really getting the information b/c the courthouse does not provide this information to the credit bureau and XXXX could not verify the bankruptcies so where is Experian getting it from the othe credit reporting agencies are not reporting this. Per the Privacy Act of 1974 5 USC 552a Violations 31 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration 42.56.070 ( 8 ) Condition of Disclosure Cybersecurity breaches of government computer Delete unauthorized Bankrupties I was never shown any document from experian where this information was verified. I never gave written consent to anyone to use my information against me especially when it's reporting inaccurate. Experian reps has lied to me several times about this information that I have requested requesting that they send me verification of the where they are getting the information and I have yet to received anything. Experian is mis using my information to hurt me and I will be looking into suing Experian once they see that they have provided inaccurate reporting of a banruptcy that I have tried to dispute after I have tried to reach out serveral times. Experian has ignored my calls and my letter sent to them in reference to this bankruptcy. Experian took information from a third party source who does not have this information in their sysytem but Experian has and used it to hurt my credit profile. Under the FCRA that is a VIOLATION and I want something done IMMEDIATELY!!!! Never once have Experian tried to resolved this matter as I take my credit profile serious.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is over XXXX XXXX XXXX and it is still being reported on my credit report. 

This is in violation of the following : 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Vehicle loan or lease

I purchase this car thinking its only XXXX I was so excited Im getting my car but I was rushed to sign due to them prolonging the hours then said I have to hurry up and sign because they about to close I signed thinking I only have to pay XXXX I already but a XXXX down payment. My payments monthly is {$450.00} I asked how much payment I have left I was told XXXX Im so confused of how my car went from XXXX to XXXX and have left XXXX when its only valued at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report that is no mine and a result of identity theft. I have already filed out an identity theft affadavit 3 times and attached a police report. 

XXXX XXXX : Account Number : XXXX**** This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX credit report reveals that a fraudulent application was submitted to Carvana with his information that resulted in an inquiry XX/XX/XXXX that he did not authorize. A formal dispute of this inquiry was submitted to Carvana XX/XX/XXXX however as of this date, Carvana has failed to reply to the status of this dispute. This is a violation of the FCRA and my clients federal consumer rights.