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

I am filing a complaint against XXXX, Equifax, and XXXX for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681n, which holds credit bureaus civilly liable for willfully reporting inaccurate information and failing to comply with FCRA requirements.

The violations include, but are not limited to : 1. Failure to Update Sold Accounts : Multiple collection accounts on my credit report were sold to new creditors but remain inaccurately reported by the original creditors. These accounts are not marked as sold or transferred, nor do they reflect a {$0.00} balance, in violation of FCRA 623 ( a ).

2. Inconsistent Reporting : The credit bureaus are reporting inconsistent and incomplete payment histories for the same accounts across different credit reports ( e.g., payment history is reported on XXXX but missing on Equifax ), creating discrepancies that violate FCRA standards.

3. Failure to Verify Information : The credit bureaus failed to reasonably investigate disputes I submitted under FCRA 611 ( a ), continuing to report unverifiable and inaccurate information.

Additionally : Equifaxs XXXX  data breach, which exposed sensitive consumer information, demonstrates a pattern of negligence. 
XXXX has a history of failing to properly verify disputed information and has been sued for similar issues. 
According to FTC guidelines, unverifiable or inaccurate information must be promptly deleted from credit reports. 

These repeated violations have harmed my credit score and caused financial and emotional distress. 

Legal Basis for Complaint : Under 15 U.S.C. 1681n, I am entitled to statutory damages of {$1000.00} for each violation of the FCRA, in addition to any attorneys fees, court costs, and punitive damages.

Resolution Requested : I demand the following actions : 1. The immediate deletion of all inaccurate, unverifiable, and outdated information from my credit reports.

2. Written confirmation of the deletions.

3. Compensation of {$1000.00} per violation under 15 U.S.C. 1681n for willful non-compliance.
Product: Credit reporting

My brothers divorce case ( XXXX XXXX ) showed up on my credit report and I disputed it and told them about it on the phone and they said they would delete it and they just sent me an email that there decision was it is still going to remain on my credit report. I just want it off my credit report. It 's showing up on my experian and XXXX reports and need it off before I can close on a house.
Product: Debt collection

This creditor has contacted from 8 different phone numbers atleast 6 times a day, everyday consecutively for months now. The calls began before I ever even reached 30 days past due. I have spoke with this creditor and informed them of a medical emergency and my recovery that has halted my ability to work after a nearly perfect payment streak with them and this hasnt stopped the aggressive tactics. Although i purchased an insurance plan they sold me for this loan in case of emergencies, apparently i have to jump through hoops to actually use it and it would only help for one month. I even made a payment that further hindered my financial stability and mental to show my intentions to pay as soon as I am well enough to work again. Nothing stops them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied for a mortgage loan and came to find out there is a charge of account on my personal report from American express that I never remembered being a guarantor to. This has totally damaged my credit report and i have disputed this and nothing has been done. They are not able to validate or show any proof that I was a guarantor to this loan. 
This credit report shows the account was opened XX/XX/XXXX and was last reported on XX/XX/XXXX. It has a current balance of {$22000.00}. Original balance was for {$66000.00}. Their remarks states " Charged off as bad debt|Canceled by credit grantor. '' The account number is XXXX. This report can not not be possibly accurate base on the events even stated on the report. You can not report anything on anyone 's report if there is any errors. This has destroyed all my life of getting a home after having been working on my credit for years. This should totally be unacceptable.
Product: Credit reporting or other personal consumer reports

My name and addresses are in correct on all three larger Credit bureaus XXXX XXXX and Equifax My name is : XXXX XXXX address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX last XXXX social : XXXX
Product: Money transfer, virtual currency, or money service

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

This is a formal complaint against JP Morgan Chase Bank located in XXXX, DE. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, JP Morgan Chase Bank has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  HAS VIOLATED MANY OF MY FCRA & FDCPA RIGHTS!!! I HAVE SEVERAL VIOLATIONS I PLAN TO TAKE ACTION UPON!!! NOT ONLY HAVE I BEEN VIOLATED & TAKEN ADVANTAGE OF BY THIS COMPANY. THEY ARE UNLAWFULLY REPORTING & RUINING MY REPUTATION!! VIOLATIONS - DELETING FROM 1 REPORTING AGENCY & NOT ALL - REPORTING NEGATIVE REPORTS TO CREDIT BUREAU - HARSSING COMMUNICATION TACTICS- VIOLATION IN FIANCE CHARGES - THYE ARE NOT THE ORIGINAL CREDITOR " I '' AM - SEZIED PROPERTY NEVER NOTIFIED OF MY RIGHT OF RECESSION - UNLAWFUL SEIZE & SELL OF PROPERTY THE LIST GOES ON!
Product: Credit reporting or other personal consumer reports

According to the IRS an upaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a XXXX ( Cancellation of Debt ) for the following charged off account : Account # XXXX XXXX XXXX XXXX XXXX After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Product: Mortgage

BMO and XXXX have consistently lied to the CFPB about their shocking accounting irregularities, XXXX " customer '' service, XXXX XXXX, XXXX XXXX running their show, and ruination of a once-proud institution, Bank of the West. They were supposed to offer a seamless transition in service, maybe a change of account numbers, we could sit back and let their pro 's do a XXXX XXXX  concierge-type hand-off behind the scenes. According to the puff pieces they mailed us en masse. 

Reality is they started blowing it from day XXXX in early XXXX. They claim to the CFPB they started servicing this loan in late XXXX, 2023. No, they started blowing up the train tracks in early XXXX, as shown on our HELOC worksheet record of our payments, drawn from our bank account records. 

BMO and XXXX have conspired to defraud XXXX and myself of at least {$1000.00} remitted in principal payments in 2023. Both organizations have submitted fraudulent Form 1098 accounting to the IRS, and to the CFPB.
Product: Vehicle loan or lease

At the purchase of my the car from on XX/XX/XXXX I requested that the sales man put my XXXX payment due on by the XXXX of the mth. My XXXX payment was due on XX/XX/XXXX. The finance company-Foresight capital took 45 days or more to send me the information and get it uploaded into their system so I was not able to make a payment. The information became available, the finance company had it due on the XXXX of every mth. I requested a payment due date change due to their error. The company made me pay XXXX for it. When payment arrangements were set the representatives stated that they could only be made 7 days before the payment drafts. I repeatedly let the representatives at Foresight capital know the funds would not be available orior due to me getting paid every 2 weeks. They drafted from my account in 5 days on more than one occasion which causes my account to go in overdraft. Then they added NSF fees to my car loan which when I pay the loan I constantly pay more and interest rates increase. I have notified Foresight capital that I filed a 1099A and 1099C with the IRS and their 1099c should have been received at their main office. They are still pursuing the debt by harassing me calling all times of day and night and harassing my references which I provided as income verification at the time of the loan, even though I have been sending in my payment coupons they have been accepting them and not returning them which is a cesti que trust violation.
Product: Debt collection

( MERCHANTS CREDIT GUIDE COMPANY XXXX add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency ( MERCHANTS CREDIT GUIDE COMPANY ) did not verify this collection. Also there was no written form of contract or signature to ( MERCHANTS CREDIT GUIDE COMPANY ) for this account debt at all. According to the FCRA and HIPPA, ( MERCHANTS CREDIT GUIDE COMPANY ) has violated my HIPPA rights as a consumer and I requesting legal action to remove this account immediately.
Product: Student loan

i was enroll with this company XXXX XXXX XXXX and i was making payments since XX/XX/2014 i do n't know what to do or where to go, who can i call??? is there any way i can get my money back??? the money that i paid when to my loans? its so confusing if any body can explain something to me i will appreciate it Thanks a lot in advance
Product: Credit reporting or other personal consumer reports

This problem relates to Experian misreporting loan balances and active accounts related to student loans that have been fully paid off since XX/XX/XXXX. Experian is significantly overstating my debt level, which adversely affects my cost of borrowing. 

Last year while in graduate school, I took out two Federal student loans from the DOE : {$10000.00} ( disbursed XX/XX/XXXX ) and {$10000.00} ( disbursed XX/XX/XXXX ). XXXX was assigned to be the servicer, however since all federal student loan repayments were on pause at that time, I made no payments to any servicer until the freeze ended on XX/XX/XXXX, at which point I paid off the full balances and any accrued interest by XX/XX/XXXX ( {$16000.00} payment on XX/XX/XXXX, {$4200.00} payment on XX/XX/XXXX ). Neither the issuer or servicers dispute any of the above, the issue lies entirely with Experian. 

The root of the issue is that on XX/XX/XXXX, without my input or consent, my servicer was reassigned from XXXX to XXXX. Upon transferring the two loans out of XXXX, the account balances dropped to XXXX in XXXX and two new accounts were opened for me at XXXX, which took over feeding the latest balance and payment data to credit bureaus without issue. The problem is that- per XXXX- once they transfer student loan balances to another servicer, by law they are prevented from continuing to share data to the credit bureaus on the former accounts. 

All the other major credit bureaus must have systems in place to recognize a common situation like this ( XXXX and XXXX have had no problems ), however Experian continues to simply take the last reported balance from XXXX before the transfer ( XX/XX/XXXX ) and display it as an active debt, indefinitely, on all my credit reports. 

I have created nearly a dozen disputes with Experian on this issue. I've provided them with Account Statements, Verification Letters, and Payment Summaries furnished by XXXX to prove the loan balances were fully transferred out of their accounts at the dates mentioned, and that I have not had any debt associated with them for nearly 9 months now. Experian has rejected all my disputes without explanation or clear evidence that they even reviewed the documents or details of the situation. In lieu of litigation, I have no other recourse beyond the CFPB at this point.
Product: Debt collection

I am currently involved in a state mandated medical malpractice mediation for lawsuit against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI. They disputed bills involved in the lawsuit to multiple collection agencies XXXX. I PAID the bills to save my credit and filed a claim here. The matter was said to be resolved, now XXXX XXXX is fraudulently resubmitting paid medical debt, again, to various companies. LJ Ross sent me more than one collections letter on XXXX. I responded with a validation of debt letter and validation of collections, collector, names, etc. on XXXX. Within my 30day right to respond, witch I did through certified mail, LJ Ross reported the fraudulent debt in the middle of a Malpractice Lawsuit to the credit agencies ruining my credit and violating my rights. That a is civil and criminal violation of rights. I demand this be removed from my credit immediately and reprimands be made to compensate for this injustice. 
Also, I have ALL evidence of lawsuit, former CFPB complaints, emails from lawyers, RECEIPTS, letters, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX of XXXX, I had begun receiving harassing mail via XXXX  from Midland Credit Management with threats to take this matter to court from the time that the original company had sold this debt to this company. Midland Credit Management had always intended from its ownership of the debt to take this matter to court. I called Midland atleast 3 times to settle the debt and to handle the matter. Midland never reported the debt at any occasion until after it was paid, despite what their response implies to the consumer financial protection bureau. I had been checking my credit, and I had also had credit inquiries conducted upon my account, this account under XXXX XXXX XXXX took all parties inquiring myself by surprise as it had never been reported to credit bureau agencies by Midland Credit Managment until after the debt was settled. How can Midland Credit Management report that I owe the company a debt that had already been settled after it was settled and claim that it has the authority to continue to report this spurious claim until XX/XX/XXXX, because it has a dubious policy that it claims gives it the right to falsely report this settled debt as still outstanding? Government agencies must be vigilant about this company that is inaccurately reporting false information and harming individuals ' records because it deems it has the authority to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint as a follow up to the previous Complaint I submitted expressing my extreme dissatisfaction with the inaccuracies contained in my credit report. Upon reviewing my credit report, I discovered several errors that are negatively impacting my credit score. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). As you are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to your attention. It is now your obligation to investigate and correct these errors within 30 days, as required by law : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

IF THE BUREAUS FOCUSED MORE ON PROTECTING THE WRONG INFORMATION FROM BEING REPORTED AND ACTUALLY CONDUCTED PROPER INVESTIGATIONS I'M SURE PEOPLE COULD GET A LOT FURTHER, BUT WHY WOULD THEY DO THAT WHEN THEY LITERALLY PROFIT FROM EACH DISPUTE!
Product: Credit reporting or other personal consumer reports

according to FCRA section 605b it is illegal to report information without my permission Thank you please remove it from my credit report. incorrect reporting is fraud and I will sue if not validated and deleted
Product: Credit reporting or other personal consumer reports

My transunion and experian reports for my XXXX accounts are wrong and I have filed disputes. My subsidized and unsubsidized loans through XXXX are both paid in full. I cant get this updated on my credit reports despite uploading the letters from XXXX. 

When XXXX changed servers it I believed they changed the account number. On my credit report it says my balance is still {$790.00} despite being paid in full. When I try to dispute it XXXX tells them it is accurate. They do not have correct information and I have the letters from XXXX to prove it.
Product: Checking or savings account

I deposited a XXXX check and the kept the funds even after it cleared
Product: Mortgage

I included documents along with my complaints Need cfpb to pay attention to it SLS is only a servicer who just take payments They are not a bank or deal with any mortgage assistance That why they lai They are rude They dont have any clue about the mortgage assistance like modification forebrance they do give any direction to how to apply where to send a request And when tell them I have a sale date on the corner and thins needs to happen ASAP SLS gives me silent treatment I have 2 eye witness and phone record of how the phone rep behaved The owner assigned of my loan is XXXX And XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX .MN XXXX Is the owner This loan was a fraud and gotten for me by fraud I was cheated with this garbage XXXX person who I included with this complaint with 2 other broker put me in this mess I cant get out of They stocked me with this garbage so called loan No ones tells me where is {$120.00} dolor crock SLS got between Keep your home California and XXXX county Supreme Court and I am still delinquent They dont send me statements They say so called delinquent is most their fraudulent fees attorney fee late fee I request a assistances on Monday XX/XX/21 I sent it by email and faxed And told them time is limited No one contacted me or confirmed of receipt of my request And they wont because this is how SLS operate My request is still in the email and no one will bother with it then when they get cut then they send a letter Either We are still working on you requests Or after careful reviewing ur case ur not qualify XXXX They never check anything or know anything about my case this is just in attempts to foreclose on my home Their intention is not to assist Just take my home
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED 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
Product: Mortgage

We applied for a personal loan with XXXX XXXX XXXX XXXX and our bank and was turned down. Our loan officer stated we have a dispute against us from Specialized Loan Servicing. We called the company and disputed this action on our credit report and asked them to remove it. The credit Bureau stated all the SLS Loan company had to do is call Credit Bureau and this can be fixed. They refused and stated they want us to send a letter to them stating what we want done.They stated it could take several weeks to have this removed. We have never missed a payment through this loan company. We did apply for a Forbearance but, once we reviewed all the information we decided to pay our payment each month on time. We have called the loan company again and they will not remove this off our credit report. They never answer our calls and refuse to cooperate with us to solve our problem with our credit report.
Product: Mortgage

We were approved for a modification on XXXX/XXXX/2016 pending XXXX trial payments beginning XXXX XXXX, 2016. We made those payments and have made XXXX more monthly payments. On XXXX/XXXX/2016, I was told that I should have received the documents for the final modification 30 days after they received the last document, which was received on XXXX/XXXX/2016. On XXXX/XXXX/2016, the website showed that the Property appraisal was received. On XXXX/XXXX/16 I was told that they were working on final terms and we should receive a package any day. On XXXX/XXXX/16 we received a letter that SPS was waiting for information from a third party to complete the review. The letter stated that they received that information and they should be able to complete the review in 30 days. As of today, the file is still pending.