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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Numerous calls about student loan default for someone else with the same name. I have never held any student loans. Did n't use second identifier ( such as date of birth ) when contacting my place of employment to verify employment. Continues to call and leave messages even though they have been told they have the wrong person and verified that the birthdate was different with the person they are looking for, and was requested to stop calling. Will not stop calling. Harassing behavior.
Product: Credit card

On XX/XX/2024 someone tried to open a ChaseXXXX XXXXXXXX XXXX  acct in my name. On XX/XX/2024 I received a notice stating thank you for apply and the reason I was declined. 

On XXXX XXXX I contacted Chase who provided me with a reference number. Then I contacted XXXX XXXX who helped me put an alert on my credit.
Product: Debt collection

This business is knowingly reporting that I owe a debt of {$810.00} to a company that is no longer in business. Also after I requested a debt validation from this company I was told that the contract for the services that were purchased was signed before I was even old enough to legally sign a contract. I voiced this to this company and they were forced to delete this information. Now months later they are knowingly reporting the same information. I want this permanently deleted because it is defaming me and also negatively affecting my ability to obtain credit in my name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL,XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Dispute of Late Payment - Request for Deletion Account Number : XXXX I am writing to formally dispute the late payment reported on my credit file for the account referenced above. 
According to my records and the information I have reviewed, this entry is inaccurate, and I believe it does not comply with the requirements set forth in the **Fair Credit Reporting Act ( FCRA ) **, specifically **15 USC 1681b** , which mandates that only accurate, complete, and up-to-date information be included in credi reports.

Under this statute, creditors and credit reporting agencies are prohibited from reporting information that is inaccurate or outdated. This inaccurate late payment has been reported on my account, and I request that you update payment history as agreed never late ( PAANL ) Details of the dispute : - The late payment entry in question appears on XX/XX/XXXX- I have always made timely payments on this account, and I can provide supporting documentation, including bank statements and payment confirmation, to verify that this was an error. 
I agent hihat you ardue thate up inestiny credit epis mater, and based on the evidence, update Please notify me of the results of your investigation within the timeframe specified by the Fair Credit Reporting Act. If you need further information or documentation to assist in resolving this matter, do not hesitate to contact me. 
Thank you for your prompt attention to this matter. I look forward to your written response confirming the correction or deletion of the late payment entry from my credit report. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report in not 100 % accurate I have research my report thoroughly and found many many unlawful and inaccurate reporting tactics. These tactics are hurting livley hood and I am ubable to live my life and find a stable home for my family. This is unacceptable. I read and researched for myself and found. 
In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 
( Original Creditor : XXXX XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX has violated my rights. 
XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX violated my rights. 
XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States | 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. I did not give anyone written instructions to report any unlawful information on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

During late XX/XX/2023, I contacted CFPB about getting my credit report for Experian through XXXX. I received a credit report for XXXX XXXX based in NY. I am XXXX XXXX in NJ. 
This complaint was suggested by an employee of CFPB during a follow up call on XXXX.
Product: Credit reporting or other personal consumer reports

I have the right to privacy as a federally protected consumer. I do not consent to E Oscar verification Use of this number when applying electronically for your XXXX XXXX XXXX in XX/XX/XXXX, gave the application the same legal integrity as documents bearing an inked or wet signature. All pertinent information regarding the making and collection of your loans is contained in the Terms and Conditions and the Borrowers Rights and Responsibilities contained in your promissory note. Your federal student loans are governed by the Higher Education Act of XXXX as amended, and any applicable federal laws and regulations governing the Direct Loan Program.

As you mentioned my electronic signature is the one that brought my direct Stafford loans to life, which means I'm the original creditor ( 15 USC 1602g ). My electronic signature and my social security number is the ones that gave life to this loan nothing else as you mentioned. 42 USC 408 asking for social security number on any credit transaction or loans ( since there is no lawful money ) is considered a crime. So if I'm the original creditor, every loan and credit extension comes from my social security number. On the social security card, it used to say not for identification purposes a long time ago. 15 USC 1602 credit card means any card, Plate, coupon book, or other credit devices existing to obtain money, property, labor, or service of credit. So you must use your social to obtain a student loan, to buy a car, to get any utility services, telecommunication services. So basically XXXX took my credit since I'm the original creditor and made it XXXX  credit. Basically switching me into a debtor and asking me to pay monthly payments plus interest on a loan that I was the original Creditor. So XXXX is Lying and committing Identity Fraud. Taking someones social and putting a lien against it then taking the lien which is evidence of interest in the property and sold it on the stock market.

12 USC 1431 clearly states that banks cant loan you money since they are the borrower, banks are considered dead entities hence corporation ( corps ). someone alive has to be the one who can credit. So Federal student aid/ XXXX XXXX XXXX can not loan me ANYTHING. 
So XXXX is Using my identity and saying that I owe them money when in reality they owe me everything. XXXX is taking my credit and then charging me a finance charge to do the paperwork equal to the credit that was extended. Just show me the paperwork for this if you are not committing Identity Fraud.

Since we established that Im the original creditor, ( 15 USC 1602g ) Let the credit bureaus know that you have used my identity to accuse me as a debtor falsely, let them know that you have committed identity Fraud, and mark my student loans as paid as agreed and return all my money with interest back to my account plus an additional {$10000.00} for all the emotional pain and suffering that you have caused me for the past 12 years. 

Routing number : XXXX Account numberXXXX
Product: Payday loan, title loan, personal loan, or advance loan

Loan was received XXXX made payments up until illness. Automatic draft from bank. Received a call from 3 rd party threatening court asking for XXXX. I call net credit back to verify interest. Now Im told its XXXX percent interest rate. Collection Agency is XXXX  XXXX out of XXXX NY XXXX. I have asked them to validate debit or send something via email. I have yet to receive anything. Ive called 3 times.
Product: Credit card or prepaid card

I recently received unsolicited replacement credit cards in the mail from Chase Bank. These new cards have the same card number but entirely new security codes and expiration dates. They also have the tap to pay feature which is not something I want for security reasons. They automatically updated my account to show these new exp dates and security codes without me verifying receipt of the cards. The card they are replacing does not expire for years so I would have no reasonable expectation that these were being mailed to me and if lost in the mail I would never have known about them until my auto payments were denied due to mismatched security code and exp date or until somebody else found them and began using them. I do not want to have to go through every autopay account I have to update this information and have tried to deny these cards or opt out but chase wont allow me to. Theyve also stated that there is nothing I can do to stop future unsolicited replacement cards so I have no peace of mind that another card in my name could end up floating around down the road. I will be cancelling my accounts with chase once I have new accounts set up elsewhere but would like to see them be forced to stop this practice.
Product: Credit card or prepaid card

On XX/XX/XXXX, I attempted to pay my bill in full, a total of {$450.00}. I made a payment. 

On XX/XX/XXXX, I logged into my account and noticed that the payment had not been posted, nor were there any pending transactions on my account. I proceeded to make another payment of {$450.00} in an attempt to pay off the balance. 

Both payments posted as of XX/XX/XXXX. My bank account was charged two payments of {$450.00}. My account balance on Opportun was - {$450.00}. 

On XX/XX/XXXX, I called customer service and explained the issue of the double payment and requested a refund. They said it would take 30 calendar days to receive a refund of the overpayment. 30 days! I was not happy, but I felt I was in no position to argue their policy so I acquiesced. 

On XX/XX/XXXX, I realized I had not received the refund check by mail as promised, so I called again. They said that I should call back in 3-5 days to make sure everything was good. I conjectured that I had already waited 30 days. They assured me everything was good. 

I called once again on XX/XX/XXXX and was eventually pushed to a supervisor. They claimed that a ticket was never created for my refund, and again, I would have to wait 30 days. I argued that this was unethical, and that they should call me when the check was being sent as I was in need of the funds. They called me back immediately asking for confirmation codes of my payments. I told them I had no record of confirmation codes, and that my online account still reflected the double payment. They told me I may have to wait 30 days once again. 

As of XX/XX/XXXX, I have not received my funds, nor have I received confirmation that a check is on its way.
Product: Credit card

On XXXX payment was paid in the amount of XXXX On XXXX payment of XXXX was made On XXXX a payment was made of XXXX When I attempted to find out why I could not verify my payments was told it was in loss intervention and to call back in XXXX to XXXX business days. This is unacceptable to me. I have a right to know were my monies have been posted this card also has or should have not charges on in in the past months. The card had been compromised in the past. In the mean time they have been posting last payments to my credit report which I want reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U-S-C 1681. 
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 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 an account without my written instructions.

15 u.s.c 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate..
Product: Credit card or prepaid card

I had an Amex bluebird card. I was using for direct deposit of my payroll. The company closed my card down and did not notify me. I found out when I tried to use my card and my transaction was declined. I had over XXXX remaining on the card and they havent given me my money nor am I able to contact them by phone they wont except my call says account closed send them a letter. This happened in XXXX of 2019 and its currently XXXX and still I dont have the remaining funds that were left on my account. Nor have they sent me a statement.
Product: Checking or savings account

Received notification that I have had an identity theft. A bank account with TD bank was opened in my name.
Product: Credit reporting or other personal consumer reports

these inquiries in my report are totally inappropriate pleses remove it 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

On XX/XX/2022 Rushmore Loan servicing told me that my home was not up for sheriff sale despite phone calls I was getting from 3rd parties. This was not accurate and I was told this on a recorded line. 

They are of no assistance at this point and I am forced into a corner with my home.
Product: Debt collection

I owe a balance to Westlake Financial services I the amount of {$7400.00}. XXXX XXXX XXXXXXXX XXXX XXXX in XXXXXXXX XXXX, is the debt collecting agency handling the accounting. Their records state that I owe {$22000.00}. When in court, the agreed balance that I owed at the time to Westlake Financial in XXXX, was {$14000.00}. 

XXXX XXXX XXXX has been garnishing my wages and have been receiving {$75.00} per week for the past 18 months. To my understanding, I only owe {$7400.00} as reflected on Westlake Services account and also on my credit. I do not owe the balance {$22000.00} that this debt collecting agency is asking for. 

Also, I would like to file a complaint against Westlake Financial services. They added an inaccurate remark on my credit report stating that they repossessed my vehicle when they have not. The vehicle is currently at my home and they refuse to pick it up because they say the value of the vehicle is not worth the amount that will be spent for the tow company to come out. They refuse to remove the remark until the balance is paid.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statemen
t along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Payday loan, title loan, personal loan, or advance loan

Western Shamrock aka Western Finance on XXXX XXXX in XXXX XXXX via XXXX XXXX XXXX XXXX me Certify USPS letter with wrong city n incorrect street name to my home. Letter has red stamp REPO on it for a Store Loan/line credit i have XXXX XXXX  name brand XXXX Party XXXX XXXX XXXX this local store sells. The Managers XXXX XXXX XXXX for XXXX  years XXXX have attacked/Falsely Repossed Merchandise bought at their store from Many Elderly, XXXX XXXX XXXX Military Veterans. They can't REP any items. Items bought with in house store cash loan. The loan does not contain itemized payoff records no matter how many items you buy. Its an open running line of store credit. Not a Per physical item financed individual contract. This is illegal.plus i made payment via My XXXX XXXX XXXXXXXX checking account XX/XX/year>. They are XXXX.
Product: Credit card or prepaid card

On Kohl 's credit card, I had setup automatic payments for the statement balance for every month. The credit card ( Kohl 's ) shut off the automatic payments and did not inform me. I pay ALL of my cards statement balances off every month. Since the automatic payments was turned off by them, the minimum payment was not made and the card became 30 days overdue and reported it to the credit agencies, this made my XXXX XXXX score drop to XXXX and move me from excellent credit to good. I spoke with Kohl 's but they said they will not do anything about it.
Product: Debt collection

This debt was originally taken off of my credit report due to this being done without my consent. It has recently been placed back on my credit report by Experian after they had previously deleted it. Back in XXXX of XXXX, I had signed the guarantor form for my son to get an apartment. I later revoked my decision with my son and the leasing office due to him not being able to pay his rent in advance or through the duration of the lease due to him not receiving his financial aid monies. My son later went back into the rent office and proceeded with signing the lease without my consent or my knowledge. The leasing office at that time did not call me to confirm with me or to see if I had changed my mind about allowing my son to proceed with signing the lease. I didn't find out about this until XX/XX/XXXX when the debt appeared on my credit report because my son never moved into the apartment. My son 's signature is the only signature on the lease because once again I revoked my decision to be the guarantor on the lease with my son and with the leasing office.
Product: Student loan

I am reaching out to request assistance. I XXXX XXXX in XXXX and a portion of my private loans were sold from XXXX  ( a NH based company ) to Firstmark Services ( a 1 star rated company based out of Nebraska ). In XXXX ( XX/XX/XXXX ) I got a statement, called and spoke to someone from Firstmark as I was supposed to be deferred and in a grace period. She explained I was in an interest only repayment period and it was optional to pay it. I called again when I got a statement in XXXX ( XX/XX/XXXX ) for {$720.00}. I was told again this was interest only repayment and it was optional to pay. Towards the end of XXXX they applied late fees to this {$720.00} amount and told me I had to pay it. I looked over my original loan documents and I never chose interest only repayment, I chose complete deferment. I spoke to a higher up ( XX/XX/XXXX ) within the company and she put in a case for me. It took two weeks for there to be an update and I never received a call like they said I would. I had to call them ( XX/XX/XXXX ) for them to tell me they entered my loan into repayment a month early because I was not paying the interest. By this point I am 26 days past due and it will impact my credit soon. However, they should be abiding by my contract which said deferment. I have names and dates from when I called the company. On XX/XX/XXXX I filed a XXXX XXXX XXXX  complaint. I have yet to receive a response from Firstmark. When I called last Friday ( XX/XX/XXXX ) I mentioned for the third time my original loan documents and this lady submitted a new case attaching my original loan documents and she advised me to make my monthly payment ( {$340.00} ) which I did. This weekend I checked my portal and saw the Past Due amount go down after I paid the {$340.00}. I checked again today ( XX/XX/XXXX ) after I got a text from Firstmark telling me to call them immediately and noticed the past due balance was back up to {$720.00} and I still owed the monthly payment. Its as if that {$340.00} payment I made went towards none of my loans. I called today and I spoke to the same girl, she was unhelpful and essentially said I can ask about the {$340.00} not making a dent in my loans when they give me a call once my case is resolved. Today is day 30 past due and the last case they never even called me to update me. This company has almost 250 complaints to the XXXX XXXX XXXX  within the last 3 years. They are unhelpful and it seems as though they are stealing peoples money and every time I call for assistance it somehow gets more messed up. I have been asking for help through the company and through XXXX  to get no answers and no assistance.
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 Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX 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.