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

I have disputed the same issue with all 3 credit reporting agencies for the past 6 months dating back to XX/XX/2021 on an error that was not made by my own doing. There are late payments reporting XXXX of the XXXX student loan accounts I have. I have asked them to verify the information they had with 100 % verifiable proof twice and all I received were automated responses that were generated from the E-OSCAR system they use to automatically verify an account which is a violation of the FCRA. By law the information that they are reporting " SHALL, '' meaning MUST by LAW, report 100 % accurately. Here are reasons as to why they are inaccurate : 1. ) They failed to include the transaction history within my credit report with each delinquent account on my credit report which violates 15 UNITED STATES CODE LAW 1681a ( 2 ) ( B ) " EXCLUSIONS FROM A CONSUMER REPORT '' 2. ) Dates of delinquency are reporting inaccurately across all 3 agencies. If a furnisher is reporting information to each bureau, they all SHALL report the same.

3. ) Failure to notify me of delinquency within 21 days of delinquency which is a violation of 15 UNITED STATES CODE LAW 1666B I've asked the bureaus to provide complete and maximum possible accuracy of this issue and still received an automated response of them items being verified which means they are now intentionally reporting these inaccuracies on my credit reporting after being made aware of the errors.
Product: Payday loan, title loan, or personal loan

The interest is ridiculous I have been paying XXXX monthly for 5 months and still arent done paying till XX/XX/XXXX. I only borrowed {$800.00}.
Product: Bank account or service

To whom it may concern, My name is XXXX XXXX, I was referred from my former California credit union to apply for a loan ( a Mortgage company from New Jersey PHH mortgage company ) to purchase a condo in XXXX. Beginning of XXXX 2015 that PHH mortgage company approved me at XXXX and informed me I would get a loan package via XXXX / UPS with documents that needed to be signed, information about the company, about the loan, rate etc. within 24-48 hours. I never received that package. Around 6-8 days later ( Friday XXXX/XXXX/15 ) I received an email from the loan processor, who contacted me with his info and informed me that he needed specific documents by Monday XXXX/XXXX/15 to process the loan. I called him up and told him that I was waiting on the package that the orig. loan consultant had told me, so that I can send them over the documents. I was waiting for a week and nothing had come to my address, I even had called the company many times to find out if they had sent the package out. 
I said to the loan processor guy that the time frame ( within 3 days ) to get him all documents by the XXXX of XXXX is a bit tight, because I work as a flight attendant and work transatlantic flights. He informed me that I can fax and email him all documents such as XXXX forms, income statements etc. and if he does n't get those documents by the XXXX my loan would fall through and I could not continue with the closing process. I scanned my documents and emailed what he wanted. Days later that PHH MORTGAGE company had done an appraisal on the XXXX unit/ condo that I was interested in and undervalued the property ( at XXXX ), therefore PHH suspended / froze the loan because they did n't think the bidding price at XXXX was ACCEPTABLE. In the meantime I paid for a home inspection at XXXX $ plus western union fees, and the PHH Mortgage wants to charge me a non refundable fee at around XXXX $ because the loan fell through. I called them up and said that they have n't rendered me a service because they never called me up or my agent when we wanted some updates on the process, they constantly delayed things and requested documents over and over again.those documents were already submitted by me or by my real estate agent. at the end they undervalued the loft, when the average prices of condos downtown XXXX are around XXXX and up.i believe they intentionally undervalued the loft to collect unreasonable fees from potential borrowers. Via Internet research it seems that PHH IS conducting business like that. 
It seems to me that this PHH mortgage company was scamming me and afterwards I was checking the Internet out and found out that they are taking advantage of consumers. They have many complaints with the consumer fair protection bureau, there 's is class action lawsuit against them for multiple fraud action. 
Warmest regards XXXX XXXX
Product: Debt collection

XXXX  XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND I WANT THEM TO BE DELETED BECAUSE THEY ARE IN MY REPORT 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 or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, opened on XX/XX/XXXX ; XXXX XXXX, opened on XX/XX/XXXX ; and unauthorized hard inquiries from XXXX XXXX on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX via XXXX on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My loan was transferred to MOHELA on XX/XX/XXXX. My previous lender took a final payment from my account on XX/XX/XXXX as I had auto-pay on, which they recommend you do in order to get a reduced interest rate. I spent 6 months calling MOHELA and XXXX XXXX to try to resolve this, as MOHELA was sending me daily emails saying I was delinquent with my payment, but not doing a XXXX thing to help transfer my payment from my old lender. MOHELA also specifically told me that there was no way to transfer payments between lenders. 

After reporting my previous lender ( XXXX XXXX ) to both the XXXX and the CFPB, I received letters from XXXX XXXX as a result of my cases telling me that my payment had been transferred to MOHELA on XX/XX/XXXX. I have been contacting MOHELA weekly since then, and after spending more than 80 hours on this on hold and writing complaints and requesting that my payment be traced or refunded. Today I am on hold for the second time with MOHELA as after the first 45 minutes on hold the system randomly hung up on me. It has been over 110 days since the transfer went through, and I have provided MOHELA both letters that showed that transfer was made on XX/XX/XXXX, and while over the past several weeks the people I speak to at MOHELA said they can see the payment, it has not been credited to my account. 

More than a month ago, I asked for my case to be elevated, which they said has happened but nothing has happened. I am a part of an employer sponsored student loan payoff program ( which I keep telling MOHELA about ) and my employer is trying to issue a check for the remaining balance on my account, but they can not do that until I know what the exact remaining balance is. 

This is a FEDERAL program and it is an embarrassment that it is allowed to treat people this way. I want the payment credited as of the time that it went through, as my loan is accruing interest on an incorrect account because of this incompetence and malfeasance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting information on me without a permissible purpose to do so. 15 U.S.C. 1681 The congress finds that the consumer reporting agencies ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers which means they didn't have permission not did they not have permission they don't have my consent to furnish anything on me without my written instructions pursuant to 15 U.S.C 1681B it states that a consumer reporting agency MAY furnish ( doesn't man required ) in ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER can you please have Equifax provide me the document where I gave them in written form giving them permission to furnish anything on my consumer report. I've never consented to the report in the first place. Also congress states that there is a need to insure that credit reporting agencies exercise their grave responsibilities with fairness and impartiality and a respect for consumer right to PRIVACY my privacy is being violated again also because not only is Equifax a credit reporting agency they are a financial institution as well meaning they also fall under the privacy laws of the Gramm-leach Bliley act 15 U.S.C 6801-6804 Equifax is furnishing on my report non public personal information which the definition of that term is personally identifiable financial information resulting from any transaction with the consumer or any service performed so that means balances, monthly payments, missed payments, charge offs, account numbers, social security numbers etc XXXX all falls in with financial information and needs to be deleted from my consumer report al of this makes Equifax civilly liable for willful noncompliance
Product: Credit card or prepaid card

I got a mail invitation from " HSBC Bank USA, NA '' to apply for a credit card and when I applied online, I got rejected due to : Excessive obligations in relation to income The problem is : I have no obligations ; none whatsoever. No mortgage, no auto loan, no outstanding credit card balances, nothing. 

When called, they told me to contact XXXX. There is no problem with my XXXX  credit report, either. I have verified it. 

I believe the problem is due to HSBC Bank 's software systems - when applying online, their web site asked me questions which made no sense ( because none were relevant or applicable to me ). But they refuse to acknowledge their problems, but instead are denying me a credit card illegally and for non-existing reasons.
Product: Debt collection

I saw an a d on Facebook  stating you could sign up for a membership at  XXXX    XXXX   XXXX   for just {$1.00} down. I 'd always wanted to join but the start up fees had always been ridiculously high. I called the  XXXX  location Saturday  XXXX   XXXX , and spoke to a gentleman named "  XXXX  '' who pumped me up and made me even more excited to finally join my dream gym. I asked him when my first payment would be due - he said  XXXX   XXXX  ( later when I spoke to  XXXX  at  ABC Financial I  cited  XXXX   XXXX  but going back in my bank account, remembering when I signed up I realized it was the  XXXX  ). Fast forward to  XXXX   XXXX  and I get a notification from my bank saying my card was declined for {$35.00} at  XXXX    XXXX   XXXX  . Admittedly, I should have contacted them then, but since I knew I would n't have any money I did n't worry about it. Fast forward to Friday,  XXXX   XXXX  - I get a notification that  XXXX  has been removed from my account by  XXXX    XXXX   XXXX  . I was furious because it was an unexpected expense that left me with only  XXXX  dollars. I called  XXXX    XXXX   XXXX   and spoke with a young woman named  XXXX  and told her I wanted to cancel my membership because of the charge. She apologized and told me that  ABC Financial  handles that, then proceeded to give me their phone number. I spoke to a woman named  XXXX  who said that because I only paid the {$1.00} down my first payment was due within that month. I said I was never told that and she said it was on the contract. A contract I had never had the opportunity to go and sign. She also said it was sent via email, but I 'd never received  one. So n ot only had I not even signed a contract, I had no idea that I 'd be charged.  XXXX  fee plus a late fee.  XXXX  then proceeded to tell me the only way I could cancel my membership is with a {$100.00} dollar buyout. Before she could finish, I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous requests to Equifax to provide the method of verification, with whom the information was verified, and how the information was verified. The only answer I receive is that the information was verified and updated through XXXX. This is incorrect as XXXX  is not the original reporter. Federal Bankruptcy Court in the Middle XXXX XXXX XXXX is. XXXX  has provided incomplete and unverifiable information to Equifax, XXXX   and XXXX. XXXX is not the original furnisher of information. They are a third party information vendor that sells whatever information they get their hands on as accurate. I wrote to the Federal Bankruptcy Court and asked if the Court provides any personal identifying information to any of the credit bureaus. The answer that was received stated the Federal Bankruptcy Court does not provide any information to third parties such as XXXX, Equifax, XXXX  and XXXX. That tells me that the information that was used to " verify '' the bankruptcy information was taken from the P.A.C.E.R. System which is heavily redacted. One question I have is how can XXXX delete the information and Equifax and XXXX   not do the same. I sent XXXX the same information and they understood the bankruptcy information was unverifiable and had to be deleted under the Fair Credit Reporting Act. This will be my final attempt to seek their adherence to the FCRA. The next step will be legal action in the Federal Court System. The bankruptcy docket number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a letter that informed them I had multiple incorrect name spelling, Addresses, Employment, and telephone numbers that is reported on my credit report. The names, employment and the telephone numbers were corrected, but not the addresses. There are XXXX addresses listed on my credit report that I am not affiliated with. They sent me a report back saying " the following information is reported by you, your creditor, or other sources which may report your personal information differently. '' If anyone is reporting my address or personal information incorrectly or inaccurately, it should not be on my credit report. I'm letting them know this is not correct and they refused to remove it. I understand it doesn't effect my credit score, but I don't need inaccurate information on there whether the credit score is effected or not. 

My Address is XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I provided a copy of my drivers license with the letter.
Product: Mortgage

I chose to not do my reverse mortgage with South River Mortgage and doing one with XXXX XXXX XXXX XXXX  in XXXX Florida. XXXX XXXX who is helping me requested the FHA case number assigned to an appraisal South River had done. XXXX contacted XXXX XXXX with South River and requested the FHA case number, don't need the appraisal, just the case number so we can continue with the reverse mortgage. XXXX is not responding to XXXX XXXX @ XXXX XXXX XXXX or my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act. The List Of Accounts Furnished Is In Violation Of Privacy & Confidentiality Under 15 USC 1681 Account Names : XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Section XXXX A. States I Have The Write 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 16811c. ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any consumer report containing any of the following items of Any other adverse item of information, other than than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any Information relating to 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

Good evening, and how are you? This is going on for almost 90 days and i haven't received any responses from my previous disputes about this XXXX XXXX. This account was actually deleted or removed from XXXX  and Equifax due to several violations on reporting but equifax continues to ignore my request for deletion. It's illegally re-aging my account because it's reporting incomplete, unverifiable, and inaccurate information. There is no way that this could've been verified or looked into. Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information
about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.