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

XXXX XXXX ( Finance ) - XX/XX/2021 I did not authorize this hard inquiry that is on my credit report.
Product: Debt collection

( JEFFERSON CAPITAL SY ) AT ( XXXX XXXX XXXX XXXX. XXXX, MN XXXX ) Has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions XXXX, XXXX, and XXXX consistently responds within XXXX hours starting the account is accurate without providing any evidence of a thorough investigation. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two collection accounts from XXXX and XXXX XXXX XXXX. XXXX has confirmed my account with them is in good standing and I have never used XXXX XXXX XXXX for anything. There is also a Minnesota address on my credit report, but I have never lived there or even been there in 20 years. Neither Transunion nor XXXX  will rwmove this fraudulent information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. 
XXXX XXXX XXXX 

Ive asked for XXXX and proof of debt. None sent. Ive paid some collections in settlements and asked them to be removed. They say it would. It hasnt. 

I also cant dispute inquiry on Equifax XXXX or XXXX. 

Most dates are incorrect. Most debt is incorrect. 

Credit cards show late payment but Ive not been late and my score decreased XXXX points. Disputed. No action was taken.
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 ( 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. 

Accounts being disputed : XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX Original creditor : XXXX XXXX XXXX Account Deleted & Added back under Collection Agency XXXX XXXX XXXX Acct # XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX XXXX XXXX XXXX XXXX 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 formally file a complaint regarding Experian/Equifax/TransUnions failure to provide verification documentation for multiple accounts I have disputed. 

I submitted disputes for several accounts that appear on my credit report but that I do not recognize. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of the accuracy of the information being reported. However, despite my request, Experian/Equifax/TransUnion has failed to provide any documentation proving that these accounts belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts reporting on XXXX  that dont belong to me. The accounts are listed.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate consumer financial protection act ( CFPA ) specifically, Cash app Failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Aldridge Pite LLP an alleged Attorney Firm, but debt collector defined in the FDCPA along with XXXX XXXX, XXXX XXXX and XXXX Mortgage has criminally engaged in acts of violence, abuse and harassment physically against the named consumer and her family, household.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting old outdated information that its more than seven years old on my Equifax credit report.

When I was in a forbearance pre-modification in XXXX, pre-covid. 
I was making my forbearance payments and XXXX  XXXX XXXX continues to report derogatory information on my credit report with Equifax. 
That is more than seven years old also.
Product: Mortgage

My ex husband, XXXX XXXX forged my name on a loan modification in XX/XX/XXXX for the property that he was awarded in our divorce. I contacted OCWEN individually and thru CFPB ( Case # XXXX ) in XX/XX/XXXX, explaining the forgery. They did nothing but disregard my complaint saying that the signatures " look consistant ''. I submitted a police report to the XXXX XXXX Sheriff 's Department ( XXXX XXXX, CA - Report # XXXX ) of the forgery in XX/XX/XXXX. XXXX XXXX admitted to the sheriffs department that he forged ( 3 ) signatures on the modification. XXXX XXXX also admitted to the forgery in a court declaration. The XXXX XXXX District Attorney 's office has filed criminal charges against XXXX XXXX and they are currently in the pre-trial stage ( DA Case # XXXX ). OCWEN is now offering to re-modify the loan again probably at the request of XXXX XXXX. I DO NOT CONSENT TO A MODIFICATION WITH MY NAME ON IT. In our divorce decree, XXXX XXXX is required to REFINANCE the property ; therefore removing my name from the loan. XXXX XXXX is a Sergeant for the XXXX XXXX XXXX XXXX XXXX Department, he committed fraud and should not be allowed to remodify the loan. OCWEN should not allow this modification or offer it based on the fraud that was committed.
Product: Mortgage

Hello, My name is XXXX and XXXX XXXX. This is most likely the 4-5th complaint against my mortgage company SLS. I just recently placed a case against them last week and here is another. I was in another short sale offer for the sale of my home for the past XXXX months. Recently-XXXXdays ago SLS called me aking for the FUNDING PROOF OF THE BUYER to be sent to them for review. I stated that it was my lawyer that they should be calling but I would contact them to request that inwhich I did that day. My lawyer in turn replyed and said she got that sent that day also to SLS and even asked them if anything else was needed. They said that was all they needed to proceed. 

Today I received an e-mail from SLS stating that my short sale was denied because of buyer funding proof and untimely grounds!!!! I e-mailed lawyer to explain. She stated she sent it XXXX days ago as requested and they received it. 

SLS is full of XXXX what gives them the right to even stay in business!!! They have really really really done a job on us!!! 

Why am I stuck with them and how do I press charges against them for neglect on our XXXXx in a YEAR SHORT SALE DENIAL!!! How do I get JUSTICE? Who do I call? I need to take serious action!!!!!!!!!!!!!!! XXXX
Product: Credit reporting or other personal consumer reports

Please have this incorrect information removed from my consumer report because it is making it very difficult for me to acquire credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a second chance opportunity checking account at Well 's Fargo. The account was closed and sent to XXXX XXXX XXXX with a negative balance of {$110.00}. 

There are many error 's on my account statement 's including a deposite with no record of it. The deposite was not done by me, and I was never able to get an explanation for it. Also, my last ATM receipt show 's a positive balance. 

I'm unable to get another bank account and need my account out of XXXX XXXX XXXX The second opportunity checking account also put 's there customer 's at risk of fraud by having them enter their pin to their debit card through the automated. The account is a low risk checking account that is suppose to help the consumer with their spending, not overdraft their account 's and then refuse to let them make a fraud claim. 

Please contact me about the many error 's on my statment 's. I'm including statement 's that show a raise in my available balance with no record and letter 's about a dispute I started by mistake but was able to close it myself within the next 2 min. Well 's Fargo also claimed they looked into the problem for me but obviously did not. Also ATM receipt 's that when matched to my statement 's are different or missing and my last ATM receipt that show 's my last transacation and ending balance still with a positive balance.
Product: Credit card

I suffered a job loss XX/XX/XXXX. I have been a loyal cardholder of Citi for 20 yrs and opted in for their Credit Protector program for XXXX credit cards with Citi and had been paying this for over 4 years. I submitted a monthly form to utililize their Job Loss benefit which covered just my monthly payment every month. In the current terms it stated after 24 months the company would cancel my balance if continued job loss occurred. When my 24 months passed, I got a letter indicating I do not qualify any more as their change in terms for the program upgraded XX/XX/XXXX so I will not be applied the benefit after 24 months. This was devastating as I clearly could not continue making the monthly payments as unemployed. This is complete fraud and a scam to those in need of the benefits they advertise and offer.I called several times to verify this and spoke with supervisors who were unhelpful and a total disregard of my situation. After being a loyal cardholder for 20 years, they offered no assistance or consideration. I did not know who to report this to of if it is even legal to remove services or change services and mislead you into believing the customer is at fault! I would like to report this as Im sure several other cardholders fell into this trap as well.
Product: Vehicle loan or lease

In XXXX XXXX, I use a penfed auto loan to purchase my Jeep out of the expiring lease agreement at an interest rate of 3.39 % To the best I can recall, Penfed never told me I was responsible for titling the vehicle and sending them the updated title. It is in the agreement, but given that lenders typically handle this piece of the process themselves, it would be reasonable to inform me directly. 

In XXXX, without clear notification of any kind, Penfed increased my interest rate from 3.39 % to 17.99 %. I didn't notice it and just kept making the monthly payments. According to the loan document, my not updating the title put the loan into default, which allow them to make the change to the interest. Except they never notified me I was in default and they never directly notified me that my loan had a significant interest rate change ( possibly a violation of the Truth in Lending Act? ). They kept happily collecting my payments. 

In XXXX XXXX, I checked my loan information and realized I was being charged the much higher interest rate. I contacted Penfed and the email exchange I've attached ensued, where penfed assured me that if I properly titled the vehicle they would correct the interest rate and all erroneously paid interest to date would be retroactively applied to the principal balance. I immediately made the first available appointment at my DMV to update the title. 

In XXXX XXXX, I was able to get verbal confirmation that although they were going to revert my interest rate to the 3.39 %, they wouldn't be applying the overpaid interest to my loan balance. They said the contract is what matters and the email promise is irrelevant. The math is complicated but they've clearly received an additional XXXX XXXX  {$20000.00} in interest from me on this, and despite promising to fix the situation if I titled the vehicle, they reneged on that promise once I completed my side of the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for negative/fraud. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX a judgment was issued against me for a debt less than or equal to {$8000.00}. I was not aware of this debt nor of the original court date. I have asked via calls and for proof of this debt and was never shown proof. On XX/XX/XXXX, I wrote an email to the latest assignee of the Debt, Hiday & Ricke, P.A., out of XXXX a letter to show proof or cease contact as they have placed holds on my accounts and taken them to a negative balance and the have not complied. In that letter, I advised them that for any further collection or contact without proof, I would contact the Consumer Financial Protection Bureau and the Florida Attorney Generals office. I have since received another summons to appear in court on XX/XX/XXXX. In Florida, the " Statute of Limitations on Debt Collection in Florida '' for a judgment, 20 years have passed, and they are still harassing me ( Florida Statutes Section 55.081 ). I can provide the letter I sent them and the email back in XXXX of XXXX.
Product: Student loan

I currently have 7 consolidated loans in repayment under the IBR plan. I transferred my loans from XXXX to Fedloans in XX/XX/2017 and asked to begin certifying payments for PSLF forgiveness. Fedloans said that the payments from XXXX would require a manual certification and would take 6 months. It has now been over 2 years and only two loans are updated with the correct 79 payments. The other 5 loans are still at 51 payments despite all loans having the same number of payments made. I've called innumerous times over the 2 years and counts have been " expedited '' several times. I most recently called this month and the fedloans representative said she has never seen it take this long to certify the payments. I'm looking to buy a house and need an accurate number of certified payments for my financial planning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with all three credit bureaus regarding an authorization by XXXX XXXX XXXX in the amount of {$240.00} on XX/XX/2023. This was a deposit for a car I was purchasing, but that fell through and I was then due to have the authorization reversed and the {$240.00} made available in my account. The merchant posted a separate charge for {$240.00} that same day, instead of releasing the initial authorization. Both transactions were done using my XXXX XXXX XXXX Credit Card with a {$400.00} limit. At this point, I had {$240.00} taken out of my account for the authorization hold, and another {$240.00} posted as a charge - putting my card at {$490.00} ( or {$98.00} over my limit ) and my credit utilization at 99 %, which resulted in my credit dropping nearly XXXX points with all 3 bureaus. As soon as I noticed this, I paid off the credit card on XX/XX/2023 to a {$0.00} balance, and was issued an additional credit from XXXX which gave me {$400.00} credit + {$240.00} on my XXXX XXXX XXXX  XXXX. I went from a XXXX down to a XXXX when XXXX XXXX XXXX reported the 99 % credit utilization to the three bureaus on XX/XX/2023, despite the fact that my balance was at {$0.00}, and my credit utilization was also at 0 %. As of today - all three credit bureaus still show I am at 99 % credit utilization, and I still have an outstanding balancd on my credit card of {$390.00}. They STILL haven't updated the balance and the credit utilization, although XXXX XXXX XXXX told me they reported my {$0.00} balance on XX/XX/2023 to all credit bureaus. The thing that is most upsetting is that my credit score took a nose dive due to a mistake that XXXX caused when they charged me a second time, putting my credit utilization at 99 % - and none of the credit bureaus have corrected this NOR have they issued back the credit points I lost because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX loan was paid in full as of XXXX. It is now XXXX and the company is still reporting that my information is negative. I've been on the phone with them since XXXX eastern time and they keep saying their system is down and disconnecting the call. I already have a pdf form of the paid in full letter but I can't upload it online on Experian because they don't accept password protected documents. I've been trying to dispute this for the longest and they won't even help me.
Product: Student loan

SunTrust Custom Choice advertises a graduation reward in the form of a 1 % reduction in principal. In their own legal disclaimer, the terms I expect SunTrust to adhere to are a : " 1 % principal reduction based on the net disbursed loan amount. " A net disbursement total of {$46000.00} was provided for this degree, so under their own disclaimer they are required to credit {$460.00} toward my remaining loans as I have satisfied all obligations to be eligible for this reward. 

Their loan servicer, XXXX, is claiming that because I paid XXXX of the XXXX individual loans off already, that I am only eligible for a principal reduction on the XXXX loans that still have balances on them. Nowhere is this stipulation in any contracts or disclaimers I signed. The amount they are trying to short me totals {$280.00}. They are essentially punishing me for being a responsible borrower. I would like CFPB to enforce SunTrust 's contractual obligation and ensure that I receive 100 % of what I am owed - {$460.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pay off submitted and the payment was sent back. Resubmitted with a more accurate amount and notice of dishonor, tender instructions and bankers affidavit submitted to the CFO of Caliber home loans. 
They need to accept my payoff for my loan and send me the allodial title ASAP. this is the second attempt to pay off my loan. 
a XXXX will be submitted to the IRS with all documents and copies of payments submitted. Organized crime, public and political corruption, false and altered documents, unreported income, faliure to with hold tax, failure to file return, failure to pay tax, failure to honor, process and credit account # XXXX has caused loss injury and harm. An offer of performance was tendered in good faith and full satisfaction of their claim with the intent of extinguishing any alleged debt, duty, obligation or liability, it is their duty to honor my instruments. they are making false statements about me to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 an alleged fraud or extortion. 
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