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

XXXX XXXX, XXXX  I am currently looking at my credit report and to my own detriment, I see that your company STILL is reporting my student loans very inaccurately and unlawfully, and I firmlyafter many disputed attempts to have this corrected with your company -- request an immediate deletion of these discrepant items ASAP. 
I can attest to the fact that I have never paid ANY of my student loans late for the entire lifespan of the loans, including years before the pandemic, during and afterwards as I have been on an approved forbearance/deferment. 
I contacted the US DEPARTMENT OF EDUCATION in XXXX of this year, and they show that there was a discrepancy in process ( no fault of my own, and ) my loans are current, no history of late payments and theyve recently traded my student loans to another loan servicer. They stated that they will refresh my credit reports within 45-60 days, which is far too long for me to have to wait as it is adversely affecting my credit accounts. 
Each of my credit reports by all three of the major credit agencies reflect a totally different payment history in regards to my student loans, however, one of t he agencies have no reports of late student payments the entire duration of the loan. 
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 U.S.C 1681. 
Account names and info : US DEPARTMENT OF EDXXXX ending in XXXX US DEPARTMENT OF EDXXXX ending in XXXX US DEPARTMENT OF EDXXXX XXXX in XXXX US DEPARTMENT OF EDXXXX ending in XXXX and US DEPARTMENT OF ED beginning with XXXX US DEPARTMENT OF ED beginning with XXXX According to The Negative Information Notice is a requirement of Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act. This rule requires financial institutions to provide consumers with a notice that negative information may be provided to a consumer reporting agency. So, if you're going to provide negative information like they're late, or they missed the payment, something like that, to a consumer reporting agency like XXXX, XXXX, or TransUnion, then you have to give consumers this notice under the Fair Credit Reporting Act. 
Furthermore, your company has violated these additional laws : XXXX5 U.S.C. 1681 Section 602 A : States that 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 an account without my written or expressed permission and 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 : 1. Any 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Deeply XXXX, XXXX XXXX XXXX
Product: Credit card

PNC 's, online reminder notice of credit card amount due. PNC email notice states that a {$1000.00} is due and date due posted is 3 days prior to the actual due date. This is a deceptive practice in attempt to confuse and collect moneys that are not due prior to the date due. 

Additionally, another deceptive practice, banks are posting due dates on weekend and holiday and refuse to process on line payments, although the system is automated. It has caused late payment penalties due to this misleading date due on a date the bank refuses to accept payments. This practice of requiring payments before date due is illegally increasing the interest rates on loans and credit cards. 

Are the inmates running the banking industry, or is it regulated?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act XXXX  Account # XXXX, XXXX XXXXXXXX, Capital One and XXXX  XXXX, has violated my rights. 
15 USC 1681 Section 602 states " I have a right to privacy ''.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a - Definition ; rules of construction - Exclusions. - Except as provided in paragraph the term " consumer report '' does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Mortgage

greentree mortgage servicing call me at XXXX from this number : XXXX. this is their number have responded to call from this number before. I fell that they harass me repeatedly over the years however this was the last straw calling me at this time of the night. My mortgage is current although I do you the grace period allowed under the mortgage terms which is I pay a late fee if late after the XXXX of the month. Most of the time I receive repeated call after the XXXX of the month until the show in their system as paid. I have no problem with a company calling however to continually do this each and every month is a little much. my thoughts.
Product: Mortgage

ITS GOING ON XXXX YEARS SINCE DOVENMUEHLE MORTGAGE, THE LOAN SERVICER, CONTINUES TO TRY AND DEFAULT OUR MORTGAGE ACCOUNT IN ORDER TO FORCE US IN TO FORECLOSURE AND STEAL PROPERTY AND EQUITIES AS BANKS DO TO HOMEOWNERS. THERE LATEST SCAM RECENTLY OCCUR THIS MONTH, WE RECEIVED A MORTGAGE BILL WITH AN INCREASE OF {$530.00}, WHEN NO MONEY IS OWED TO THIS SERVICER ON ESCROW PAYMENTS. AS WE HAVE NEVER MISSED A SUNGLE MORTGAGE PAYMENT IN XXXX YEARS, AND NOW THEY CONTINUE TO TRY AND FORCE A DEFAULT. LAST YEAR THEY TRYED TOO INCREASE THE PAYMENT TO ALMOST {$5000.00} PER MONTH. THIS LOAN SERVICERS ARE CROOKS AND SCAMMERS AND SHOULD BE INVESTIGATED FOR THERE PRACTICES UNLAWFUL PRACTICES. WE PAY OUT MORTGAGE BILL MONTHLY. PAY OUR TAXES YEARLY DIRECT AND OUR HOMEOWNER INSURANCE. WANT THIS LOAN SERVICER FULLY INVESTIGATED AND FINED.
Product: Debt collection

Midland Credit keeps calling me asking for a XXXX or a XXXX XXXX, neither of these people have ever had my phone number and I have had this mobile since XXXX when my father left XXXX for work, and my mom gave me his phone/and number so we could contact each other while she was at work because I was only XXXX XXXX XXXX at the time. Almost 20 years, I'm almost XXXX XXXX XXXX now, I've had this number. They have been calling me for half a year now, never leave any voice messages, and when I am able to answer, I keep telling them they have the wrong number, these people don't own this phone number and to remove my number from their case file. 

Today XX/XX/XXXX, they have called me twice in less than two hours. I couldn't pick up the first call at XXXX XXXX because I was working, next call at XXXX XXXX, I picked up in the middle of a work call and told them to stop calling me and remove my number. I pay my bills on time or way before they are due, I have never owed collectors ever in my life. They keep calling from different numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following inquiries on my Transunion credit report that should be removed. I did not apply for credit with the following companies and some that are on my report are over 2 years old : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX AXXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX & XX/XX/XXXX 6. XXXX XX/XX/XXXX 7.  XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX  XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX ( 2 years this month, should come off ) 11. XXXX XXXX XX/XX/XXXX ( 2 years this month, should come off ) 12. XXXX XXXX XXXX XX/XX/XXXX ( 2 years this month, should come off ) 13. XXXX XXXX XX/XX/XXXX ( 2 years this month, should come off ) 14. XXXX XXXX XXXX XX/XX/XXXX ( 2 years this month, should come off ) 15. XXXX XXXX XX/XX/XXXX ( 2 years this month, should come off ) 16. XXXX XXXX XXXX  XXXX XX/XX/XXXX ( 2 years this month, should come off ) 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 19. XXXX XXXX XXXX XX/XX/XXXX 20. XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XXXX XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 23. XXXX XXXX XX/XX/XXXX 24. XXXX XXXX XXXX XX/XX/XXXX 25. XXXX XXXX XXXX XXXX XX/XX/XXXX 26. XXXX XX/XX/XXXX 27. XXXX  XXXX XX/XX/XXXX 28. XXXX XXXX XXXX XX/XX/XXXX 29. XXXX XXXX XXXX XXXX XX/XX/XXXX 30. XXXX XXXX XX/XX/XXXX 31. XXXX XXXX XXXX XX/XX/XXXX 32. XXXX XXXX XX/XX/XXXX 33. XXXX XXXX XX/XX/XXXX 34. XXXX XXXX XX/XX/XXXX 35. XXXX XXXX XX/XX/XXXX 36. XXXX XXXX XX/XX/XXXX 37. XXXX XXXX XXXX  XX/XX/XXXX 38. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 39. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 40. XXXX XXXX XXXX XX/XX/XXXX 41. XXXX XXXX XXXX XX/XX/XXXX 42. XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Over 30 days ago, I sent a dispute to TransUnion via certified mail, informing the credit bureau that several inquiries listed on my credit report are not my own and they refuse to remove them saying they are a fact of factual record and can not be removed. TransUnion is sharing my credit file without my authorization and telling me who they are giving my credit file to! I demand they delete the credit inquiries listed below OR provide the investigation results that prove that the inclusion of all these inquiries comply with federal law. I will not wait 30 days for TransUnion to " investigate '' since the credit buruea has already had more than 30 days to investigate.. Now I want the results to that investigation or I want you to delete the inquiries. 


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, credit repair services, or other personal consumer reports

I see and hard inquiry on my credit report that I don't know anything about from XXXXXXXX XXXX XXXX XXXXXXXX phone number is XXXX their address is XXXX XXXX for XXXX  in The XXXX Texas it happened on XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting collections in the amount of {$3800.00} and {$1000.00} on XXXX XXXX XXXX, original creditor XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I was forced to vacate the premises because of an untenable situation with the tenants who were living below me. They were involved in illegal activity and it was very unsafe for my children and my wife and I to stay there. I wanted to file a formal police report however was encouraged not to for fear of retaliation from the tenants. I contacted the apartment complex manager and shared detailed information of the issues that were occurring and the apartment manager agreed that I had no choice but to vacate for the safety of myself and my family. The manager and I agreed that I pay {$1000.00} to terminate the lease. I was assured that the lease would be null and void and that I was free to move. I was not aware that these accounts had gone to collections until I obtained a copy of my most recent credit report. I immediately tried to contact the apartment complex manager to discuss this. I never received any notice from the apartment complex regarding any outstanding balance due. Pursuant to my agreement with the apartment complex manager, there is no outstanding balance and therefore nothing to collect. This false reporting of multiple collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Mortgage

recently, OCWEN wanting to file a foreclose law suit, so OCWEN falsified a copy of old mortgage paper, and ask MERS Mortgage Electronic Registration Systems , Inc. ( MERS ) to file a assignment of Mortgage Electronically. They have violate the law and also, lost trust in the system, MERS have abused the Electronic file system. according the law, MERS need to have the real document to validate the information, there is no promissory note or real Mortgage with real signature on hand, file in XXXX county clerk office, and you can also look at the date they file, it was there first filing on XXXX XXXX, XXXX and the Mortgage date is XXXX XXXX by falsified a record statement, it is a violation. please look at XXXX law suit, OCWEN attorney said the original Mortgage is lost, then without original Mortgage, MERS and OCWEN are just using a copy to file. this is very serious problem, if they just use a copy to file, it will damage the foreclose procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, my name is  XXXX   XXXX  and it is regarding a BMW account number  XXXX  my agreement with them was to remove the account or the negatives from my records, after the payment was complete, ( trustworthy me, did not get any written agreement from the company, just verbal ) therefore, now after payment they are not removing the negatives from my credit reporting agencies.   please followup this matter and report to credit bureaus to remove the negatives ( lates ) from my credit reporting agenci es ) .   thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # XXXX Balance {$9100.00} Opening Date : XX/XX/2016 has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX XXXX. I am attaching my first XXXX which I got on XX/XX/2016, how can I possibly open an account without SS # 10 days after I arrived in the 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This debt should of been charged off as me being medically indigent and having no medical insurance. An inability to pay. It never should of landed in a collections. As I never received any bills for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$3200.00}.
Product: Credit reporting or other personal consumer reports

multiple unrecognized and/or duplicated inquires to my credit file
Product: Debt collection

This collections is still being reported on all 3 credit agencies and I want it removed immediately. I have sent information and will upload it again. I would like for this company to send me the 1099c that should have been filed if this debt was charged off as it sates on my report. I will act under law if this information is not provided or if the information is not taken off my 3 reports. Its tax fraud and I will be filing a complaint with the irs if this isnt removed are furnished.
Product: Debt collection

I paid full amount they were collecting for XXXX XXXX on XX/XX/2021. They have not notified as XXXX as of yet that amount was paid in full neither provide with any further information other that the account has been settled and they dont know why is not remove from my credit report
Product: Debt collection

THIS ACCOUNT SHOULD HAVE NEVER BEEN REPORTED LATE ON MY CREDIT REPORT. 

I HAD AN ACCIDENT ON XXXX 2019 AND PROGRESSIVE PAID THE BALANCE OF THE VEHICLE AND THE GAP INSURANCE PAID THE BALANCE. 

I DO NOT OWE ANYTHING AND THIS COMPANY HAS ALSO REPORTED LATE PAYMENTS TO MY CREDIT WHICH HAS DAMAGED MY CREDIT
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX, XXXX and TransUnion three times to dispute inaccurate accounts on my credit report. They have responded both times and stated they have verified/updated the accounts. However, they have provided no proof and only an updated credit report. They have violated multiple laws according to the FCRA. I have demanded to have these accounts deleted from my credit report which has not been done so.
Product: Checking or savings account

On XX/XX/XXXX I filed a dispute with Venmo for unauthorized transaction XXXX XXXX my Venmo XXXX debit card. It was for a total of XXXX or XXXX charges and XXXX different merchants. Then the next day the XXXX I was able to dispute XXXX cash app transactions that were still pending the day before. Multiple different agents had told me if after XXXX days the claims had not been resolved Id receive a provisional credit and that would be on XX/XX/XXXX and XXXX but when I spoke to another agent they told me now its the XXXX. Not only was I lied to multiple times theyve already refunded a few of the transactions which means if they were approved the others should be to. This is just a game to them.
Product: Money transfer, virtual currency, or money service

on XX/XX/22 I purchased a money order from western union at a XXXX for {$300.00}. I accidentally endorsed it in the back instead of signing on the purchasers signature line. I called and the money order was traced and confirmed which is what the website advised to do even though I was clear with the agent on the phone that the money order was in my possession I just wanted to get my money back and need guidance on the process. They advised to go online and file a refund request form which I did and sent all proof needed. it stated I should get a follow up within 30 days ... its now been over 3 months and nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 collection accounts reporting in error on my report.
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 or unverifiable accounts unresolved. The Consumer 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 corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

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

I am grateful for your assistance in removing some of the erroneous credit report entries from my file. There are still a few remaining items that require your attention. This is my XXXX complaint that I was the victim of faulty credit reporting. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are inaccurate : Experian : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$3600.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$5800.00} ; XXXX XXXX XXXX XXXX Balance {$95.00} ; XXXX XXXXXXXX Balance {$640.00} ; XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX -- -- -- -- -- -- -- -Equifax : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX VIA DEALER XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- XXXX XXXX XXXX -- -- -TransUnion XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 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 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/XXXX .Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit reporting. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Product: Checking or savings account

In XXXX we had a checking account at Wells Fargo and constantly had overdraft fees because they would put all of the withdrawals and debits through before the deposits and direct deposits so that we would have hundreds of dollars in overdraft fees. When my husband and boyfriend h complained, they told us that was policy. We eventually closed that account in XXXX because we constantly had issues with them charging us fees, and opened an account at another bank.