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

I contacted XXXX XXXX XXXX in XX/XX/2020 as a result of the COVID-19 pandemic. I was granted an extension for the installment dates of XXXX, XXXX, XX/XX/2020 after answering qualifying questions for the COVID-19 payment assistance program. At the time the extension was granted disclosures were read by the XXXX representative explaining the account would not accrue any additional interest as a result of the deferment, and I verbally agreed to this change. 

As of XX/XX/2020 my credit report reflects the following, Collateral - Deferred to XXXX Remarks - payment deferred Payment History - XXXX 2020 - NR Date of last payment XX/XX/2020 As a result of his verbiage on my bureau, on XX/XX/2020 I received notification from another creditor XXXXXXXX XXXX XXXX that due to a drop in my credit score my line of credit has been reduced from {$6000.00} to {$4500.00}. After escalating my concern to the DIrector of Credit at  XXXX, I now understand my credit line was dropped due to this indicator, not due to a reduction in my credit score. Additionally the utilization rate on this card now reflects higher, resulting in a decrease to my credit score. 

XXXX XXXX XXXX granted this extension and disclosed everything except the fact that these remarks would reflect on my credit report. They did not disclose to me that this would reflect as a risk indicator on my credit report to other creditors that I was experiencing a financial hardship. My loan is currently paid up to date. The XX/XX/2020 installment was paid prior to the due date. I am currently not in a hardship. XXXX did not explain or disclose to me that there would be potential adverse activity to my credit as a result of granting this extension. It was supposed to allow me time to defer my loan payments without penalty. I have been penalized by utilizing this remedy offered by XXXX that was supposed to prevent a negative report on my credit for these months. XXXX did not give me the opportunity to decide if I wanted to accept the deferment provided this would cause adverse activity to my credit. I would have resumed payments without a 90 day deferment provided XXXX given me full disclosure how this would effect my credit report. This is not a fair or accurate record of my credit with XXXX XXXX XXXX and is a violation of the FCRA. 

I have reached out to Chase Auto Finance and called the Credit Dispute Processing Department XXXX and my request to adjust the verbiage on my bureau was denied by the representative I spoke to. He refused to give me the name of a party to escalate my concern to and advised I needed to speak to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Credit reporting or other personal consumer reports

Account information displayed on Experian, XXXX, and XXXX is inaccurate and incomplete on all accounts listed on consumer report. XXXX XXXX XXXX XXXX in particular is listed as a loan type knowing this was not a loan. This was a credit transaction for a credit sale, and I was not loaned any goods or services. It is a violation of the FCRA to knowingly furnish false and misleading information. Experian is reporting portfolio type information in the account type field therefore causing inaccurate and incomplete information on all accounts above. Experian is not following the guidelines of Metro 2 that are in place to ensure fair credit weighing and reporting. 

XXXX XXXX was mailed a billing error pursuant to 15 U.S.C 1666 and therefore did not have and currently does not have the right to report payments as late pursuant to 15 U.S.C 1666a. Reporting payments as late is a clear violation of 15 U.S.C 1666 when said payments are in a billing error status. XXXX XXXX does not mail out disclosures as required by 15 U.S.C 1666b timing of payments. It would be impossible for XXXX XXXX to mail out disclosures at least 21 day prior to due date because they want a payment every two weeks, which is only 14 days.

15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), clearly states that transactions report containing information solely as to transactions or experiences between the consumer and the person/ corporation making the report is NOT included in the consumer report. However, Experian is reporting this information. The reporting of excluded information pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro 2 Compliance. Provide me with the Metro 2 compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reporting as late, collection, charge off status, and any other derogatory information deleted from my consumer report effective immediately. Please do not reply stating these accounts are verified or validated, as I am not requesting Experian and its affiliates to verify or validate anything. If this is done it will not be in XXXX XXXX but merely seen as a tactic to waste my time and further damage the livelihood of my family and me. 

All negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a Copy B of the 1099-C cancellation of debt. Experian and the creditors reporting collections/Charge-Offs, lates payments/ any other derogatory information in my consumer report are in violation of 26 U.S.C ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If the forementioned derogatory account information is not deleted from my consumer report in a timely manner I will be forced to officially file IRS form 3949A and 211 against all entities involved.

The current status of my accounts is not correct. The report is not complaint with metro 2 guidelines. 
Charge offs is considered income by the IRS and should not reflect on a consumer report. 
False and misleading information on report.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights

. Or list of inquiries 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

I have been monitoring my credit and scores. All the while trying to improve and get my score up for a home purchase. My loan officer pulled all of them and XXXX XXXX is showing a XXXX while Im seeing all XXXX scores. I want and should not have to pay for my true scores. They are mine! And I should not be getting false information about my scores! They should be a irate across the board. These are my credit scores!!!!! And if I obtain my 3 reports they better be what a mortgage lender sees, as this to me is a huge fraud case that I am looking into taking to legal counsel as well and a court, I am not playing any more as I have been trying to buy a new home and was not pre approved even though my scores show me a medium of XXXX. And to find out transition was a XXXX from what my lender has told me. This is unfair practice
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX I originally filed a dispute on XX/XX/2021 I asked to have the following information deleted off my file. The items I need deleted are listed in the report. 
they have not been able to identify the items, they ignored my request to provide me with the documnts that they have on file that verifies the accounts I am disputing. This is my 2nd time trying to correct the situation. This is really holding me back from being able to get a new family car ; XXXX XXXX XXXX XXXX XXXX It is really important to me and my family that I am able to get this corrected as soon as possible
Product: Mortgage

When my husband lost his job last yr, we contacted our mtg company to see about getting our mtg int rate reduced ( it 's @ 6 % & most ads were advertising mtg interest rates for LOT less ). We were only behind by XXXX payment which we brought current. Our mtg payments are {$1600.00} - only P & I - we never had an escrow acct set up for our mtg, since it 's inception in XXXX, it 's always been P & I only. We pay RE taxes/ Insurance when bills arrive, never late. Process of trying to get Modification was begun around XXXX XXXX. We provided ALL documentation SEVERAL times. Finally got Mod agreement - pymnts were MORE than current payment! Told them we did NOT want the modification agreement as it included Escrow acct. They ignored us! Continued sending paperwork for the Mod Agreement. 
Now they have paid full yr of our RE taxes & Insurance by using our XXXX & XXXX XXXX P & I pymts & not applying pymts to mtg. They are in violation of Fed Bankruptcy Chapter XXXX reporting laws - they show our acct as delinquent on all XXXX Credit rpts as they themselves have made it " delinquent '' by paying a full year 's insurance & real estate taxes by using our Principal & Interest payments. 
Latest letters say they will work with us to go thru the Modification Agreement by submitting ALL paperwork again & work with other lenders to POSSIBLY get us placed with a different mtg company and the latest letter we received on Saturday, XXXX/XXXX/XXXX says we " opted to sell our house ''! We have NOT indicated that we want to sell our house!! ( Part of mtg process our issue is related to is actually # XXXX, # XXXX, # XXXX & # XXXX! ) It appears to me that the employees do NOT know what they are doing nor do they listen to their mortgagees, each person tells you something different - the account manager tells me one thing, then a person in Esc Dept tells me something entirely different!
Product: Credit reporting or other personal consumer reports

This company violated my rights to privacy and have not showed me proof of the original agreement and has negative items on my credit report I gave no permission to or signed any contracts for
Product: Debt collection

In XXXX XXXX I learned that Midland Credit Management , Inc. ( aka Midland Funding ) ( " Midland '' ) was reporting to the XXXX credit bureaus a collection account allegedly originally with XXXX ( XXXX account ). Although I disputed ( and still dispute ) the validity of the debt, I was beginning the process of refinancing my mortgage, which had a balloon payment coming due, and I contacted Midland to pay the debt in order to no longer have an upaid collection showing on my credit report. After I paid the debt, I continued, however, to request verification of the debt from Midland, including requesting proof that the debt was ever mine and the date of first delinquency. At the time, Midland was reporting the date of first delinquency to be XXXX XXXX. Midland 's responses, to the extent they can be characterized as a 'response ' at all, has been to state that their records are accurate and they will continue to report as they are doing. They refuse to provide either proof that the debt was ever mine or the date of first delinquency. Midland currently reports the date of first delinquency as XXXX XXXX, which is when I paid Midland so that an unpaid collection would not be shown on my credit reports. This has only made matters worse, as Midland is now reporting a much more recent delinquency as compared to XXXX XXXX, which they originally were reporting. It seems it would be a simple matter for Midland to provide me an account statement showing the account in my name and indicating delinquency. They refuse to provide this information, continuing to hide behind their false statements that their accounts are accurate and they need not prove it.
Product: Mortgage

I had my mortgage through Wells Fargo just wanting to know if I qualify for the law suit I haven't been informed by them about this law suit They had my loan from XXXX to XXXX with loan modifications I sold the house in XXXX of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in response to the Credit Bureaus ' current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. How many times do I have the Credit Bureaus that the information they report on my Credit File is erroneous and is leading to a Negative impact on my Credit File? I have been requesting for the Credit Bureaus to conduct a proper verification of the Disputed accounts by sending me certain documents to prove the Credit Bureaus credibility and authenticity of the information they present. I don't even know if the Credit Bureaus really did conducted an investigation or not since they have never responded to my Letters. Right now, I am submitting this complaint once again to have the following items investigated and corrected. If the Credit Bureaus can not provide proper verification nor correct the disputed accounts, it would be wise to have the items removed completely from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing to express my continued frustration and dissatisfaction with the handling of my third attempt to correct the late open accounts on my credit file. Despite my repeated efforts and submission of relevant documentation, the response from your company has been inadequate and fails to rectify the errors that are negatively impacting my credit profile. 

Despite providing comprehensive documentation and evidence clearly indicating the incorrect reporting of late open accounts, the responses I have received thus far have been unsatisfactory and have provided no indication of progress towards resolution. This ongoing lack of accountability and transparency has left me feeling frustrated and disillusioned with your company 's ability to handle this matter effectively. 

Furthermore, the presence of these inaccuracies on my credit file has had significant consequences on my financial well-being. I have experienced difficulties in obtaining credit and have been subjected to unfavorable terms and conditions due to these errors, which are entirely unjustified and preventable. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse to protect my rights and interests. With this, I am asking for your assistance to correct these accounts in my credit file : 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 need all three credit bureaus to re-investigate all negative items in collection on my credit report. Please tell me how this was done, whom you called, or how you vertified any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I'm not quite sure what's the hold-up but it's been more than 70 days counting that your credit reporting agencies failed to respond to my investigation or dispute. I understand that we're facing with global pandemic of COVID19, but come on! It's taking longer than expected and i haven't received anything about these student loan account, but it continues to report incorrect, incomplete, and it's completely unverifiable. How come all 3 major credit bureaus are reporting 3 different dates of opened ; 3 dates of last active, inconsistent payment history, and different account name and number. This is totally a violation of my rights and it's impossible that this can be different if it's coming from the same creditor or furnisher ... correct? Again, There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?
Product: Credit card or prepaid card

i have sent multiple emails to the risk department with proof of my address, my driver 's license, and 2 receipts and packs at a value of {$400.00} and they are refusing to refund me my money still. i have talked to XXXX who is a 3rd party and does nothing but forward the emails, i have spoken to XXXX who all of a sudden doesn't work there i was told i would be getting a full refund of the {$1300.00} in my account. i spoke to a person named XXXX that said he was supervisor who told me to send in what i could and i would get a refund. these packs were given to me by my grandmother before she passed. this has been going on since XX/XX/XXXX, i have been trying to resolve this since XX/XX/XXXX. my grandmother has since passed away, i have told them over and over that i have not been able to locate the receipts for the other 2 packs becauae she purchased them. i was told that was fine and to send what i had and i would get a full refund, i needed that money to assist with her funeral. i was also told by XXXX that because this company doesnt employ XXXX people or have XXXX people in the company he doesnt know how to deal with people like me. i also received documentation for another customer that states fraud, it shows that they place blocks on any and everyones account for the baseless reasons, no proof of fraud whatsoever, i have never been accused of fraud by them but getting this letter shows this is the route they will go that route. i have never spoken to an actually supervisor only customer service reps. this company is a joke a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was breached and hackers have tried to open bank accounts under name, tried to get car and personal loan. This issue has been reported to the local police of XXXX, CT and to the XXXX website. My information was hacked in the following breaches : XXXX breach in XXXX XXXX in XXXX XXXX in XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XX/XX/XXXX
Product: Mortgage

Despite contacting them numerous times they will not give me direct access to my tax documents. I am a joint owner on the account which means I am just as responsible as my husband who is the primary joint owner. However, I have been told I need to contact my husband every time I need to access my tax documents. My husband does not like to go online for reasons related to reducing fraud. Regardless, I need to have access to my financial documents. 

In addition, I have sent multiple requests regarding updating our address from our previous house to the house we are paying the mortgage on. During the application process we did confirm this will be our primary address yet Axos keeps sending our statements to our old address. I have emailed them copies of our drivers ' licenses to confirm our address but they will not update the address. Yet again I am told that my husband will have to update the address online.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent information from my credit file. As a victim of identity theft resulting from a data breach, I invoke my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These provisions require credit reporting agencies to remove all fraudulent accounts and inquiries upon receiving notice from the victim. 
Fraudulent Account XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$50.00} Fraudulent Inquiries XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Dates : XX/XX/XXXX ( XXXX instances ) XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Product: Student loan

This is a follow up to case # XXXX as the concern is still not resolved. 

My request was misinterpreted. I did not request a list of the periods that did " not '' qualify and why. First, I specifically asked for reconsideration of the payments made in XX/XX/XXXX and XX/XX/XXXX due to the new law signed into Congress as I had described in my complaint. Additionally, I'm not sure why you are saying I was in deferment for one month back in XX/XX/XXXX. I had never to my knowledge been informed of this nor did I request a deferment. Please explain. Lastly, I'm asking for the official letter, as originally requested, showing the total number of qualifying payments I've made toward PSLF, which still hasn't been provided to date.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX  - XXXX XXXX  - XXXX Unknown - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX  - XXXX