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

I recently received a bill in the mail that was a XXXX past due bill for a student loan that was supposed to be in grace period ( I graduated in XXXX of XXXX with my final degree ). The last notice I received stated that the covid extension was ending soon but I was still in school so I should not have had a payment, regardless. This was early XXXX. I had not once received notification that a bill was due, and would have gladly paid it on time if I had received it. Instead, the bill was past due when I had no prior knowledge a payment had been due. I was contacted by the university instead after the fact. I attempted to contact ECSI by phone, of which I was on hold for almost XXXX hours before hanging up. I instead called the university and they stated that ECSI had attempted to contact me by mail and school email in which I have not had access to in almost 5 years. I still receive mail at the address that was provided and as stated above I have not received a notice from ECSI about a payment due, but a letter from XXXX  XXXX XXXX when the bill was already 60 days past due. I asked why another notice wasnt sent by the school before it got to the point of being past due if they are able to handle the same matters, as to which I was given no explanation. I paid the past due amount a few days ago, which is not a problem. But I was informed that the past due status was reported to the credit bureau on XX/XX/XXXX, again, with no prior knowledge on my end of a bill being due by mail or by phone. When I asked the representative at XXXX  XXXX XXXX if she can assist with removing this from my report she stated that I would have to file a dispute. I would like this removed from my credit report. I have never missed a payment to any creditor, and this will negatively impact my credit report and corresponding score. Also to note, I check the federal student loan website pretty frequently and it never updated to indicate there was a payment and how much.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Federal Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX U.S. Bankruptcy Court Account : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

My husband and I struggled to pay our mortgage at the end of XXXX. After being delinquent for 60 days, we withdrew almost everything from my husband 's XXXX to get caught up. Mr. Cooper never once offered us information about Loan Modification. We had to wire over {$9000.00} to XXXX XXXX to ensure we did not go into foreclosure. Due to the amount of time it took to secure our XXXX, as XXXX required letters from Mr. Cooper and other documentation, the amount we owed kept changing, making it more difficult to catch up. Finally, in XXXXXXXX XXXX XXXX XXXX XXXXXXXX, a Mr. Cooper finally mentioned loan modification, which we qualified for. The {$9000.00} was applied to the next 4 months of mortgage payments, ensuring we are caught up until XX/XX/XXXX. However, Mr. Cooper continues to report us as being late. We were told via phone that they would dispute the last 3 ( now 4 ) months of missed payments. Our credit score is in the XXXX, and it's very frustrating. In our opinion, Mr. Cooper is a terrible mortgage company. They are not transparent or truthful. We filed a dispute with XXXX on XX/XX/XXXX, but nothing has been updated on our credit report. Yesterday, XXXX stated that our dispute was closed on XX/XX/XXXX.
Product: Mortgage

I have been making the complete payment each month before the XXXX. I usually pay half the first part of the month then the rest on my next pay date which is before the XXXX cutoff date. I was called today & was told that they would not apply my payments to my loan unless I pay them all at once. It should matter if I pay {$100.00} a day as long as I get it paid before the XXXX. He told me my payments would be held & not applied.
Product: Credit reporting or other personal consumer reports

The problem began when I noticed that the same student loan is being reported more than once on my credit report. I have contacted my loan servicer multiple times, but the issue has not been resolved. Despite my efforts to clarify the situation with them, they have not corrected the erroneous entries, and as a result, my credit score has been impacted.

I believe that the duplication of these loans is a mistake, and I am seeking assistance from the CFPB to investigate and resolve the issue. Specifically, I would like : 1. The duplicate loan entries to be corrected or removed from my credit report.

2. My credit score to be adjusted accordingly to reflect the accurate loan information.

3. Confirmation that my student loan servicer will take the necessary steps to prevent such errors from occurring in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information. Pursuant to 15 USC 1681i, Equifax is required to provide me a description of its reinvestigation procedure. The reinvestigation results Equifax mailed me with confirmation number XXXX, did not describe its reinvestigation procedure as outlined by federal law. I am requested that Equifax deliver its dispute results via the CFPB portal to this complaint and not close the complaint until it is completed and compliant with 15 USC 1681i. Previous complaint : I have previously disputed alleged accounts for XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and Department of Education however, Equifax alleges it performed an investigation and the items I disputed were verified as accurate. Pursuant to 15 USC 1681a ( e ), an investigative consumer report was to be completed upon my request however it was not. Furthermore, neither Equifax or any creditor possesses the power to verify that any information on my consumer report is factual information. Only I can, as I am the consumer. I am verifying that the following accounts are not factual and must be blocked and deleted from my consumer report : XXXX. XXXX XXXX. Department of Education XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX Also the following inquires must be blocked and deleted as they are not accurate : XXXX. Equifax Mortgage 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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Thank you for removing some of the erroneous information from my file. However, there are still items that need to be addressed. According to FCRA Section 605, you must remove any items listed in an ID Theft Report. Here is the Identity Theft Report # XXXX. Per FCRA Section 605B ( a ) ( 1 ) ( 2 ), you are required to remove any inaccurate credit file entries within four business days upon receiving : ( 1 ) Appropriate proof of my identity ; and ( 2 ) A copy of the identity theft report. The following items need to be removed : Experian XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2400.00} XXXX  XX/XX/XXXX. Please note that you have four business days to remove these erroneous entries. I do not consent to XXXX or any automated verification methods.
Product: Debt collection

A collection company by the name of XXXX XXXX XXXX XXXX XXXX is reporting a collection account for a XXXX account that I have never opened. I have asked them to provide me with a signed contract because I have no knowledge of this account when I disputed this with the credit bureau within 30 days they responded with a letter advising the account was verified but they have not provided me with anything that shows that I signed a contract. I have also contacted the collection company and asked for a signed contract which I have not received. After I disputed this with XXXX XXXX XXXX they sent me a letter stating " we have updated our records to show that this account is disputed and to call to discuss payment options '' but did not provide me with anything stating I still have a right to dispute further. I have followed up and sent another dispute letter recently because it was still within 30 days of receiving an initial response from them. After all of that I received a notice from the court stating they are suing me for the debt for an account that I have never opened and have yet to produce a signed contract for.
Product: Debt collection

IMMEDIATE ACTION REQUIRED : EXTREME VIOLATIONS OF FCRA AND TILA - DEMAND FOR IMMEDIATE DELETION AND LEGAL ACTION 15 USC 1681 et seq.

As congress does not back the reporting of my personal/non public information.

This is NOT a request. This is a DEMAND for immediate action regarding egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), as codified in 15 USC 1681 et seq. My previous communication regarding the unlawful reporting of my personal, non-public information has been ignored, demonstrating a blatant disregard for federal law. The allotted time for dispute resolution has long since expired, and I have yet to receive ANY of the following : Proof of purported " Congressional findings '' justifying the reporting of my information. This is a critical point. I have received no evidence whatsoever to support this claim, which I believe to be fabricated. 
Confirmation that creditors were properly informed of my dispute. This failure constitutes a further violation of the FCRA, designed to protect consumers from inaccurate and disputed information. 
Let me be unequivocally clear : the unauthorized use of my information by creditors, third-party debt collectors, XXXX, XXXX, and XXXX constitutes a clear violation of my rights. The use of my data as a separate transaction between second and third-party entities for profit is not only unacceptable but constitutes identity theft and, if this practice continues, will provide grounds for accusations of securities fraud. This practice directly contravenes the protections afforded by 15 USC 1681 et seq. and related statutes.

As a federally protected consumer under the FCRA, I am now formally opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I, the consumer, may have purportedly given you, pursuant to 15 USC 6802. This is a DEMAND for IMMEDIATE REMOVAL of my information.

Furthermore, I remind you that 16 CFR 433.3 applies in full, given that any relevant contract was written after 1969. This, coupled with the provisions of TILA and established contract law, solidifies the illegality of your actions. As previously stated, 16 CFR 433.3 applies due to TILA and contract laws on contracts, especially if the contract is written after 1969.

Your failure to provide the requested proof and properly inform creditors within the legally mandated timeframe constitutes a clear violation of my rights under the FCRA. This negligence will not be tolerated. I expect IMMEDIATE action to rectify this situation. Failure to comply will leave me no choice but to pursue all available legal remedies to the fullest extent of the law, including but not limited to : Pursuing legal action for damages related to these violations. 
All final documents have been attached presently and previously.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Mortgage

I have an approved 100 % property tax exemption approved XX/XX/year> and applied immediately. I sent this to my mortgage company, CMG mortgage, and was denied my exemption. They said they had to have, in their own words " A document showing the exemption valued at more then the assessed value, and showing XXXX due ''. I then gave them this document, only to be told that wasn't good enough, they the approved exemption signed by the assessor. When I pointed out that I had already sent that and fulfilled all their requirements, they disconnected me from their service chat and continued to deny my exemption.
Product: Mortgage

I had XXXX mortgage companies with loan XXXX. the 1st mortgage agreed with modification, but the second mortgage unable to contact with me, and unable to negotiate. I tried several times, but unable to reach then. Please I need help because, I 'm working alone, my husband is XXXX, and i want to keep my home. thanks.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXXXXXX Balance : {$9000.00} XXXX XXXX XXXX Balance : {$860.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have had a credit line of {$25000.00} with Capital One Bank for over 15 years along with a Checking and Savings accounts. I received a letter from them on XX/XX/XXXX stating that they are closing my Credit Line. I have been an excellent customer over the years and always paid my credit line on time. It is outrageous that with out any formal process Capital One decided to unilaterally close my line. During the holiday season, during covid, for no reason. I have called Capital One, gone to the branch, spoken to numerous people at Capital One. The only thing they can say is " sorry, that is the decision of the Bank. " ( Capital One said there are hundreds of credit lines being closed. ) They offered to take my information and file complaint with the bank, and that within 20 business days I should hear from someone. That is completely outrageous. The compliant number I filed at Capital One is XXXX.
Product: Vehicle loan or lease

XX/XX/2022 I purchased a car from Carvana, I was scammed. At that time my XXXX  score was around 720, I was in lock down because of Covid so I wanted no contact buying and did everything on line. Carvana tricked me into a subprime car loan over XXXX XXXX interest. These loans are for those with out credit or low XXXX  scores. I complained and was told after the fact they dont consider XXXX  scores. Ther car is a real lemon, it has a bad transmission, the under side is full of rust. The headlights have a moisture problem that causes them to shut off with it warning so I cant drive at night. Carvana is being sued by several state att generals for deceptive business practices. They cant do business anymore in many states, there is several class action suits against them. XXXX XXXX one of the owners Ive learned have criminal charges. I am no match for these people. Im a XXXX XXXX XXXX XXXX retiree. I spent over 35 years in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am heart sick to think this company has scammed so many of us. I hear the FBI is investigating I hope this is true.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

In XX/XX/2023, I requested a letter listing the bank 's routing and my account number. They provided a letter with my old address. I asked for a correction. They promised they would do, and they scolded me for being impatient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no other portal is get information to Equifax ... But this one. 

I read on complaint XXXX Equifax reports they have not received any additional information from me. Since Equifax does not provide a portal to submit additional information, I have the attached some additional information. 

Equifax previously reported the unauthorized inquiry by XXXX was " masked ''. Attached document shows this is untrue! 

Equifax responded to my complaint with such a garage/nonsense response! 

I emailed Equifax ... Started a dialog. When they could not deflect me ... The responses stopped!
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX ( BALANCE ON THIS ACCOUNT IS INNACURATE ) XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish 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 or other personal consumer reports

Paid the following accounts and balances have not been updated : XXXX XXXX XXXX XXXX XXXX XXXX