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

According to the CFPB law 15 U.S. code 1601, the XXXX XXXX account # XXXX ( with XXXX ), Experian, XXXX and XXXX are in violation and should be fined for not adhering to the federal government laws on incorrect reporting or delete. 
I have disputed this account many of times and is very much looking to seek legal help against the credit bureaus because I am not getting help from the protection agency meaning " I'm not being helped ''. 

I am/will not take responsibility for the debt as it is and it needs to be corrected or " DELETED '' according to the CPFB laws for credit agency reporting. 

EVERYTIME I dispute, the company updates the account with a balance and recent update date and then add XXXX more years to the update, THAT IS ILLEGAL. 

I spoke to a representative and the account was charged off in XXXX of XXXX and it is showing a balance of {$810.00} and was update as of XX/XX/XXXX. This account should NOT be updated with a balance and new date. 

I included XXXX credit reports from Experian ; 1 that was update as of XXXX of XXXX and another with the payment history that shows that it was charged of in XXXX of XXXX. 

This is very illegal to keep this account as " OPEN '' on my credit file and a violation of the CFPB. Please acknowledge this complaint as valid and will seek legal advice because NOTHING IS BEING DONE.
Product: Mortgage

Sometime around XX/XX/2022, Nationstar Mortgage LLC ( d/b/a Mr. Cooper ) started utilizing a new payment system. The new payment system is rejecting online payments. This is the third month in a row I have submitted payment to have it returned prior to reaching my bank account. The result is their collections department calling me demanding payment. The collections department appears unaware of the issue and the solution provided by management is to process the payment over the phone. I currently have 2 months past due that I have submitted payment for multiple times and they want me to submit additional payment over the phone to bring the account current. There is no presentation of a solution that will result in my future payments being accepted without me calling in ensure my online payment was processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX/XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. I received a letter from them on XX/XX/XXXX, informing me of a collection company, XXXX XXXX XXXX XXXX, that had acquired my account. I sent them another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. It is now XX/XX/XXXX and I have not received an answer from them, and they are still reporting negatively on my credit report. I also sent certified letters to XXXX  and Transunion along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX  XXXX/XXXX  is reporting. So far, I have not gotten a response from them. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Vehicle loan or lease

I recently bought car from XXXX dealer in XXXX XXXX NJ and I got financing from Honda financial services. My salesman told me I am getting 1.9 % financing as advertise by XXXX XXXX and when I sign the document I did not check to see if I am getting 1.9 % or not I just sign the documents trusting my sales man which was my mistake and I sign loan for 5.45 % instead of 1.9 % this was deliberate act on dealership part by not informing what I am signing also I have excellent credit score of 840+ and if I don't get 1.9 % who will? I believe Honda financial services license should be canceled for unfair practice in lending.i believe Honda financial services is involved in steering by charging higher interest rate for certain type or group of people.
Product: Debt collection

I was notified by XXXX that I had an alert on my credit report the beginning of XX/XX/2023. So I went into XXXX and checked it. I immediately disputed it saying it wasn't mine. The dates given furry opening the account are not mine. I've not opened any account with them original source. But they results I received back from XXXX just stated that all information had been verified. I've not received any communication from them original source of from the debt collector. But yet they say they have everything verified. If anyone were to look at my credit they can see that I have not been late with any of my payments. I've got 100 % payment history with an my accounts that are open. I feel they just sidestepped verifying with me any of the information as then XXXX just took their word for it. Now I think it's on all XXXX as well. The only one that hasn't reported it yet is XXXX. I did not open any account on XXXX of 2023. This is so frustrating that your can't do anything once your results are back from the credit companies. To me this ooks like identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received a message from auto dealer that my Equifax was locked and I needed to contact Equifax to have it unlocked. This was a result of my applying for credit to purchase a new car. I searched for Equifax online and attempted to log in to my account. I discovered that I had forgotten my password so I followed the instructions to request a new password. That requested was not accepted and I was instructed to call Equifax for assistance. I did call and the person I spoke with told me that she had no record of me ever having an account. I assured her that I have had an Equifax record for may years. After an exhaustive conversation and extensive verification questions she told me that she was sending me a temporary password. She did send the password while I was online with her and I told her that it was rejected. I asked if she could send a second temp password. She abruptly said she was transferring me to someone that could help with my password. She did transfer me and the new person started from scratch asking me even more verification questions. By this time I was getting frustrated because no one seemed to understand why I was calling in the first place. I asked to speak with their supervisor. A third person came on the line and started asking me the same questions.Name, birthdate, SSN, etc. She then started asking me about past accounts that I had already answered with the previous two agents. She first told me there was no freeze on my account then went on to say that I had no account. I told her about the previous agent sending me a temp password. She then told me that she was going to put me on hold and asked for assistance. At this point I was very upset. I told the agent to just forget it and I would contact the XXXX XXXX XXXX. 

Being concerned about the safety of my credit report, I went online to Annual Credit Report.com and was able to access my Equifax report. I advised the auto dealership of what had happened. 

I am concerned about the safety of my credit history with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN ASKED ME TO PROVIDE SUPPORTING DOCUMENTS TO SUPPORT MY IDENTITY THEFT DISPUTE, AND SAID THEY WOULD DELETE THE AFFIRM ACCOUNT. I HAVE PROVIDED THEM ALL THE DOCUMENTS IN THE MONTH OF XX/XX/2022. I HAVE CALLED THEM AND SPOKE TO THEM ON A RECORDED LINE, WHERE THEY CONFIRMED THEY RECEIVED ALL THE NECESSARY DOCUMENTS TO BLOCK THE AFFIRM ACCOUNT, BUT EXPERIAN STILL REFUSE TO BLOCK THE ACCOUNT. THE RESULTS CAME BACK " REMAIN '' ADDITIONAL INFORMATION REQUIRED. THEY ARE STILL ASKING ME FOR THE EXACT SAME DOCUMENTS THAT I HAVE ALREADY SUBMITTED TO THEM, AND HAVE ATTACHED TO THIS COMPLAINT. I WAS NOT EXPECTING THIS DISPUTE TO TAKE THIS VERY LONG. I AM NOT SURE WHY EXPERIAN IS GIVING ME SUCH A DIFFICULT TIME TO RESOLVE THIS MATTER. HOWEVER, I WOULD LIKE EXPERIAN TO NOW BE INVESTIGATED. I HAVE PROVIDED A LOCAL POLICE REPORT REGARDING THIS MATTER. THE POLICE REPORT IS FROM MY LOCAL CITY XXXX XXXX, AND HAS A REPORT NUMBER ON THE REPORT. IT CAN ALSO BE VERIFIED WITH MY LOCAL LAW ENFORCEMENT AGENCY.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO THANK YOU MY PROBLEM IS FOR THE PAST 4 MONTHS IM NOT EXAGGERATING EVERY SINGLE WEEK I HAVE TO SPEND TIME ON THE PHONE CALLING ALL THE CREDIT REPORTING AGENCY BECAUSE A FRAUD ALERT GETS DDED ON MY REPORT YES NOT DELETED BUT ADDED IT IS HINDERING ME FROM APPLYING FOR CREDIT I HAVE CONTACTED ALL 3 AGENCIES AT THE SAME TIME AS IM AWARE THAT ONE COMPANY IDENTIFIES AND COMMUNICATE WITH EACH OTHER RE FRAUD ALERT HOWEVER IN THIS CASE THEY ARE PLAYING THE BLAME GAME TRANSUNION BLAMES XXXX XXXX BLAMES XXXX AND XXXX BLAMES TRANSUNION ITS NEVER ENDING IT GETS REMOVED FOR LIKE 4 DAYS ONLY TO BE PLACED BACK ON THE REPORT AGAIN SO WHAT HAPPENS IS IF I TRY TO APPLY SOMEWHERE THEY AUTOMATICALLY DENY MY BECAUSE THERE IS A FRAUD ALERT ON MY REPORT I KNOW ITS MY RIGHT TO HAVE AN E=ALERT PLACED ON MY FILE HOWEVER THERE IS AN APARTMENT BUILDING THAT THERE POLICY IS NOT TO ACCEPT ANY ONE THAT HAS A NY KIND OF ALERT ON THERE FILE THEY JUST DO N'T WANT TO GO THRU THE PROCESS OF THAT SO THERE FOR I WANT FRAUD ALERT PERMANENTLY REMOVED AND THE ONLY WAY OR REASON THEY SHOULD PUT IT ON IS IF IT IS PLACED ON THERE FROM ME ONCE THEY HAVE IDENTIFIED ME AND NO ONE ELSE
Product: Credit reporting

I disputed incorrect information on my report. They did an investigation. They sent me back a response saying that the information was verified. I sent a request asking fro all information they received to verify the account and I got no response from them. Also after filing my report with you my credit score dropped XXXX points I found this to be very confusing. Noting changed and a drastic drop because I 'm trying to protect myself.
Product: Vehicle loan or lease

I was recently laid off from my job. So I was reviewing my finances to see where I could cut back and save money. I want to note that I also work in the auto industry as a business manager. I was reviewing my loan agreement and realized I am financing service agreements that I did not need. One for a life insurance policy and the other for a road side assistance policy. Both of which are also covered under my vehicle insurance policy. I called the branch to cancel these products and the manager of that particular branch said they were not cancelable. I informed her that they are because it was stated in the contract that they were. I again informed her I dont need them and wanted to cancel them and refund the balance to the principal of the auto loan. She again said that they are not cancelable. And asked if I was calling to make a payment or just to complain knowing that I was just laid off from my job. She said if I wanted to complain further she could give me the corporate number. I hung up and called another branch and the manager there informed me they were cancelable. After that phone call I called the corporate office and was told the corporate manager was at lunch and they would take a message to call me back later. And I have yet to receive that call back or have the additional products canceled.
Product: Credit reporting or other personal consumer reports

The right to contest my credit report is something that every American has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt loadurbances can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable.I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it.You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) .Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ) .The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately
Product: Student loan

I got my student loans with Key Bank starting in XXXX 2000. I have been in repayment for 3 years. I recently had major surgery and was out of work a couple of weeks. They called me twice a day until I made my monthly payment. Every time they called I would ask to connect with a supervisor and after XXXX minutes I would finally get through. I asked for graduated repayment or any other assistance they might offer several times. Even in the hardship I was in I was told I am not eligible for any of those programs because I have been in repayment longer than 18 months and they no longer even give student loans so there was no department I could appeal to. Every bank I look into has much higher interest rates or do not accept balances as high as mine. I attended XXXX College which is a private school with high tuition and I 'm paying a student loan that is as high as a small mortgage. It 's a real struggle seeing as I 'm only a XXXX. Any guidance would be appreciated.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report please remove the accounts from my report they are hurting my ability to obtan credit.
Product: Credit reporting or other personal consumer reports

This is my first attempt to inform you that I am a victim of identity theft, and I am disputing certain records in my file resulting from this crime. The records I am challenging are not related to any transactions involving goods, services, or money that I have authorized. Please remove any significant information in my credit report that resulted from the alleged fraud or extortion. 
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 XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$4100.00} XXXX  XXXX Balance : {$8100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/2021 via Priority Express mail number XXXX  XXXX XXXX XXXX XXXX XXXX Fedloan Servicing received my validation of debt letter specifying I want direct verification of the alleged debt they say I owe. I requested to have the competent evidence of said debt and validation under penalty of perjury and as allowed by law, I also asked them to provide me additional evidence including proof that they are licensed to collect in the state of my place of abode. During the initial 30-day investigation period, Fedloan Servicing was on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills. Fedloan Servicing did not provide me direct verification, proof that sufficiently satisfies their claims, and no response to any of my correspondences. Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ). If there is a debt owed, why is the balance in a positive status? In addition to the statement of dispute, a 2nd notice for Direct Verification, Affidavit of Truth and a Rescission of Signatures notice has already been provided to Fedloan Servicing by I, the consumer in fact via Certified mail number XXXX XXXX XXXX XXXX XXXX. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Not only the allege debt is still not directly verified, Fedloan Servicing has committed several federal violations against me, a Private law abiding Federally Protected Consumer, for which I am entitled remedy. Fedloan Servicing must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : 1. Reimbursement of all prior compensation applied 2. Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the attachment to further explain this statement.
Product: Credit reporting or other personal consumer reports

XXXX is inaccurately reporting on my credit Only reporting on Transunion and XXXX but not XXXX Violating US Code 1681 A5 Also, the debt is unauthorized, is reporting the incorrectly, and according to the FCRA Credit Reports for collection of delinquent child support, judgements, fines and liens may no longer be permitted. As uploaded on the transunion website and if it can't be reported on one Burera then it can't be report on any Burera at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage lender is trying to pull my Equifax report and when ever they go to pull it ( this has happened with multiple lenders ) they get an error message saying Inquiry information identified as fraudulent by consumer reports not available. Ive tried calling Equifax multiple time to get this fix they just give me no answer hang up or tell me it is t them when obviously it is since its happening with multiple lenders every lender can pull XXXX and XXXX but not Equifax
Product: Mortgage

Select Portfolio Servicing, Inc. ( " SPS '' ) failed to pay my property tax from escrow impound. SPS claimed that SPS paid my property tax on XX/XX/2019. XXXX XXXX County has not received property tax payment as of XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I did not authorize ACRANET to run my credit report.
Product: Credit card

I opened an Ikea Projekt card through Comenity in order to take advantage of an interest-free promo through Ikea. On XX/XX/2024, I placed an order through Ikea 's website totaling {$5200.00} on Ikea card number ending in. I received an order confirmation with a notice saying that the order was in review and a confirmation would be sent within XXXX hrs. Within minutes, Ikea sent me a notice of order cancellation stating, specifically, that the bank denied the charges. I called Comenity customer service, and they stated that was incorrect. They said the transaction was approved and the charge processed, but that Ikea must have cancelled the transaction from their side because a refund had been issued. I called Ikea back. They stated that the bank was incorrect. They had not cancelled the transaction but rather the bank declined the transaction and it was automatically cancelled. When I said that this was counter to the bank 's assertion, and could I please speak to someone higher up, I was told that was the only info anyone at Ikea could provide me, sorry. I called Comenity back, and they reaffirmed that there wasno problem with the card, that my credit limit was more than enough, {$7700.00} I believe, and that the transaction had been approved and processed, but subsequently refunded by Ikea for reasons they could not know. They suggested I wait for the refund to process, and try to place the order again, stating that it may be a fluke problem with Ikea 's POS. I took this advice and reordered today, order number XXXX in the amount of {$3400.00} ( because my husband had to order some items we needed immediately in the meantime on his own cc ) on the same Projekt card. Again the transaction was cancelled. Again, no one knows why or seems at all interested in finding out. So, a store credit account I can not use is now on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two addresses on my credit report which I have never lived there in my life before
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There are several negative accounts that I didnt give authorization to open these accounts. This is really hurting because I cant provide for my family
Product: Vehicle loan or lease

I'm sending in a new XXXX for your company that I will have attached below and also, I will attach the XXXX that IRS will be sending to your company.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX