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

Facts : On XX/XX/XXXX, I obtained a free credit report from XXXX via XXXX. I noticed that my payment history for XXXX XXXXXXXX XXXX XXXX XXXX Account was reported incorrectly. It was reported that between XX/XX/XXXX through XX/XX/XXXX I was XXXX days late. ( See document 1 ) On XX/XX/XXXX, I disputed this error with XXXX via their web dispute portal and provided a screenshot of my payment history for this loan account. The screenshot showed that I was making payments during these months and not XXXX days late. During that same day on XX/XX/XXXX, I called ECSI, who is the loan services provider for this XXXX XXXX XXXX  XXXX XXXX Account to confirm my payment history and they were able to confirm that the payments were not late during that period. ECSI also created a case to correct my payment history with XXXX and promised to call me back with the resolution. ( See document 2 ) On XX/XX/XXXX, XXXX completed their investigation of my dispute and provided me with a new credit report with updated information on the disputed account. However, I noticed that the information XXXX updated contains additional erroneous information. This new report with the updated information showed that between XX/XX/XXXX through XX/XX/XXXX I was XXXX days late. I am utterly confused as to how XXXX verify and obtain this information because this entire account was paid off as of XX/XX/XXXX. ( See document 3 ) On XX/XX/XXXX, I submitted a second dispute with XXXX via their web dispute portal. This time I included 2 documents showing that the loan account was paid off including the final statement showing the final payment amount which can be confirmed via document 1. ( See document 4 and 5 ) On XX/XX/XXXX, XXXX, again, closed my dispute and provided me with an updated credit report. This new credit report still contains erroneous information. 
On XX/XX/XXXX, ECSI called back and notified me that they have updated my payment history for XXXX of XXXX. This was not the resolution that I needed.
Product: Student loan

Several years ago, my husband, who was ill with   XXXX   and beginning to have   XXXX   XXXX  , was persuaded b y Navient, which had recently taken over administration of the PLUS loans we took out to pay for the last two  years of our youngest son 's  XXXX  degree at  XXXX  College from  XXXX  to  XXXX , to 'consolidate ' the loans. He was promised that if he died before the loans were paid off, they would be forgiven and I, his widow, would not be left with responsibility for them. He died in  XXXX  of  XXXX , and when I calle d Navient to inf orm them of his death, they said I must repay the balance, which was over {$50000.00}, various fees and penalties having been added. Facing a severely-reduced income ( I lost my job in the crash of  XXXX  and was forced to retire without an adequate pension of my own ), I reminded the agent of the promise made to my husband. After months of wrangling, they did agree to reduce the principal to {$28000.00}, setting me up with an income-based repayment plan, but it is due to expire in  XXXX  of this year, and I will have to reapply, and go through the whole process again. I am  XXXX   years old , have just been diagnosed with a   XXXX   XXXX  , and am having trouble dealing with these kinds of issues. I feel that the promise made to my husband should be honored. My income is fixed, but my rent and other expenses keep increasing. I am also being held responsible for past taxes due to the IRS, for which fees and penalties have been added, bringing the total to nearly {$20000.00}. I was able to work out a payment plan with the IRS, but it is costing me another {$250.00} a month, and most months, I run out of money before the end of the month, no matter how careful I am. I have been forced to max out my credit in order to get through the month, and feel like a house of cards that is collapsing. My husband left me a little bit of life insurance, but it is long gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX  appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These accounts are keeping me from buying a new home and making it impossible to move forward with my life. 

1. XXXX XXXX - no balance is showing, account partially listed - XXXX, dates listed open is XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by XXXX, Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX XXXX XXXX XXXX  clearly suggest conflicting information of 1. Last activity, 2. Balance, 3. Date opened and 4. Last payment date which is inaccurate. Therefore, this item must be deleted as per section 168 FCRA. Discrepancies among credit bureaus are listed below. 
Name XXXX Experian XXXX Last activity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - - Credit reports of the XXXX bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to ( XXXX XXXX ) on XX/XX/2020 to acquire a 2020 XXXX XXXX limited for {$34000.00}. I was informed that the so called lender couldn't not finance the entire transaction ( XXXX XXXX XXXX ) but only partially. From my understanding as a consumer and creditor to the account, the approval of credit transaction comes directly from me, given my right as creditor to defer payment, my security interest given in the contract, And my status as consumer also clarifies this fact. Live communication was given to explain this to the so called lending institution. The purchase of the security by a third party is in fact a credit sale on my behalf by the dealer ( XXXX XXXX ) to ( XXXX XXXX XXXX ) a third party labeled as a debt collector. In return i should have received my portion of the claim via my security interest given within the contract, and my property being the automobile. Also the companies Transunion and XXXX have inaccurate accounts posted on my report and have yet to furnish my permission of the report or the name of the individual who reported the information to them. This has made my ability to obtain credit extremely difficult.
Product: Debt collection

In late XX/XX/XXXX, Midland Funding filed a lawsuit against me in XXXX XXXX XXXX Court in Arizona, which involved junk-debt purchased by them that was beyond the statute of limitations. I addressed the fact that it was past the statute of limitations with the court. In XX/XX/XXXX, I was startled to discover that a judgement had just been issued by the court on this case. This is something I was not made aware of beforehand, as is necessary with the filing of a motion for a judgement. As can be seen in the court activity which I have attached, I have always responded to the court, when I am notified. I would have then obtained an attorney, as they continued to attempt to collect on something which was past the statute of limitation. At the time, the only documentation I had received was regarding another case they had brought against me at the same court. This was also a case which was beyond the statute of limitations, which I immediately addressed with the court. 
Midland Funding is a predatory company.
Product: Credit reporting

XXXX has reported to my credit reports a bill owed to them, but was never billed to me. They subsequently sold the loan to XXXX. Apparently, this loan was sold to them by XXXX, a XXXX 
I was never notified of any of this. The original contract I signed was with XXXX a loan servicing company for XXXX. This is who I thought I was dealing with. XXXX 's name is on the loan product contract. 
I was never notified of a transfer of billing or any correspondence. I did not know anything about this product being on my account until XX/XX/XXXX when I wanted to refinance and saw a collection from XXXX. I followed up with them and found out the changed their name to XXXX. I repeatedly asked for documentation. I finally received something from XXXX in XX/XX/XXXX. 
I agreed on a settlement with XXXX and they agreed to report to the credit agency that the bill had been paid in full with a XXXX balance owed. The represented that they would not put any derogatory statements on the account. Please see attachement. On my credit report they added that " account paid in full for less than full balance '' This is not what the letter written to me states or what the representative at XXXX agreed to. 
Since XXXX and XXXX are the same company with a different name or they sold without ever trying to correspond with me about payment. The XXXX information should be removed from my credit report all together and XXXX should honor what they told me about no derogatory statements. 

Additional derogatory information is stated below that should be removed from EXPERIAN CREDIT REPORTING BUREAU
Product: Credit reporting, credit repair services, or other personal consumer reports

I will like to file a complaint that ability recovery services had reported debt to the credit bureau affecting my credit. In the state of Florida collection agency must be license in state to collect a debt. I have investigated and verified there is no license the collection agency is not legally able to collect a debt
Product: Mortgage

On XX/XX/XXXX, XXXX XXXX, the current servicer for the loan filed a lis pendens under the assume name " XXXX XXXX XXXX ( XXXX XXXX ) ''. Under Florida Statute 702.015 ( 4 ), If plaintiff is in possession of the original note, the plaintiff must file under penalty of perjury a certification with the court, contemporaneously with the filling of the complaint. XXXX XXXX failed to attach a certification under penalty of perjury to the complaint. Pursuant to Florida Cicil Rules 1.110, plaintiff must verified the complaint and its string of documents adequately. The complaint reflects that XXXX XXXX XXXX allegedly verified the complaint, however XXXX failed to verified the documents relating to ownership accordingly. The record reveals that XXXX XXXX have engaged in Florida 's Deceptive and Unfair Trade Practices Act, Chapter 117, Florida Statutes, which governs activities of notaries public, Chapter 668, Part II, Florida 's Uniform Electronic Transaction Act, and Chapter 695, governing record of conveyances of real state. Under Florida law, corporations may convey real property in accordance with the requirements of either section 689.01, Florida Statutes ( 2004 ), section 692.01, Florida Statutes ( 20040, or section 692.02, Florida Statutes ( 2004 ) Section 689.01, which requires that any conveyance of real property to be signed in the presence of two subscribing witnesses. XXXX XXXX also failed this requirement. See attached assignment of Mortgage book 29026 page 4582 and assignment of mortgage book 28927 page 2030. Please review, you will find that the entire documents has been forged. All signatures on both assignment are IDENTICAL, which means that someone cut and paste all signatures instead of signing the document in the presence of two subscribing person and notary. Both assignments have been forged and does not convey ownership. A void of forged instrument is a void, see 3 DCA Case Law XXXX v XXXX XXXX. case no. XXXX. On XX/XX/XXXX, the state of Florida entered into an assurance with XXXX XXXX XXXX XXXX. This company engaged in Floridas Deceptive Unfair Trade and the falsification of mortgage documents, including forged assignment of mortgages and other documents. See copy of assurance. XXXX XXXX entered into a consent to judgment and consented to never filed forged documents of a fraudulent in nature actions. XXXX XXXX has violated the consent to Judgment with the government and are subject to sanctions at this juncture. We ask that you review all documents and sanction XXXX XXXX  for all the mention violations in connection with the foreclosure action using a string of forged documents.
Product: Student loan

I am XXXX XXXX due to a rare, chronic and incurable illness, and have been out of work for more than one year. The only source of income I have is XXXX XXXX which is n't enough to cover my medical needs. Navient completed a financial assessment stating I 'm about {$6700.00} short of monthly expenses. My student loans are in repayment but I 'm not able to pay them. At near default status, I was able to get on a reduced rate program for one loan. To pay this, I 'll have to forego medication each month. XXXX more loans were in the same status and after providing financial information, an amount was offered at a reduced rate of {$280.00}. Though this amount will mean I must forego more medication, I needed to accept it or risk my parents being sued for a debt that belonged to me. The payment was to be drafted at the end of each month. I received a call at approximately XXXX from the representative who set the program up for reduced payments. He told me that his supervisors manager denied my reduced payment request because of my revolving credit payments. Somehow being {$6700.00} in the negative has no bearing on my ability to afford to make student loan payments. He then said I had until XXXX to pay $ XXXX+ to add to the {$280.00} drafted today for the loan program I agreed to. He would n't give me the managers name nor transfer me. But he said my loan would officially default now, as a result which was not supposed to happen. I was mislead into giving navient access to my account. I called the advocate office and they would n't open a complaint for me. The representative was told to transfer me to the rate reduction team. From there I remained on hold for nearly 90 minutes until I finally disconnected because I was experiencing high levels of pain due to the XXXX. I do n't know what else to do at this point. These loans were already and issue because they were illegally modified for approval. But now I 've been mislead for my account access, money has been taken and threatened with loan default and possible legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX have a 30 day late payment against me for XXXX.During this time we were in a pandemic and arrangements were made.Account was listed as current now its showing 30days late.Can you please remove this entire account from credit reporting agencies due to inaccurate reporting.
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XX/XX/2018. I contacted a collection agency NCC business services located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, FL XXXX The guy seemed wary about the whole conversation. But, I attempted to find out what my debt was, after already seeing it on my credit report. I knew the amount was not right. I was already on their website while on the phone and the guy told me to go to another website ( although the one I was on was clearly theirs ) to pay off the debt. I asked if I could receive a confirmation if I paid as I thought I owed and he said he couldn't do that over email. I tried to type in the account number he gave me for their website to make a payment and it said : " NCC Business services no longer handles your account. '' Yet, on the phone, he was trying to persuade me to make a payment. Overall, the experience was very sketchy. I felt inclined to report them, just in case.
Product: Debt collection

First Credit Service is attempting to collect a debt. 15 U.S. Code 1692f ( 1 ).

Im requesting they send me the agreement I have with their company concerning this alleged debt.
Product: Credit card or prepaid card

I have audio recording of XXXX XXXX at XXXX CST from an agent of Discover.com stating i am not late, not delinquent on my credit card ending in XXXX and that no report of a 30 day or 60 day late will be reported to XXXX, XXXX or XXXX. However i was told that this will be reported by a differnet rep. The agent mentioned i am caught up with payments and i have nothing to worry about I had another agent said today was the cutoff for a payment XXXX before a report to credit bureaus by XXXX, only to have another rep tell me XXXX was the cutoff and i was 1 day late to that cutoff I was told i would get a call every 7 days once i am late on a payment but such calls never happened or took place. 

The reps have placed me on hold, transfered me and hung up on me all without my permission and refusing to listen to the audio of the other discover rep telling me i am on time and nothing late should ever be reported and/or will be ever reported. 

I mailed in the payment and it apprently was lost and never recieved, I did pay as soon as possible but only until i recieved a call did i check the account and found no payment applied. I am persuing the matter with USPS as well however the main issue here is the Discover rep gave me 100 % assurance i am caught up, on time and no late will ever be reported. 

Discover has not been willing to work with me whatsoever after an entire day or trying to reach them. They also said no managers are avialble and it will not be esclated. The agent said they can't legally do anything and handed out legal advice to me which is not something she is was in the position to do.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 card

I applied Apple credit card. They offered term spend {$1500.00} first 60 days and received {$300.00} bonus reward. I had spent more than {$3000.00} before days and should have received my bonus reward. I called Apple/ Goldman Sachs Bank USA and they told me you will receive on 3rd months statement. Until now I have not received my {$300.00} bonus reward. 
Please help investigate my case and let me know. Thanks, XXXX
Product: Credit reporting

Debt Buyer XXXX XXXX reported on my credit as a new open account opened XX/XX/XXXX and negative reported XX/XX/XXXX. Called and they stated it was for XXXX XXXX, an account I never had, refused to provide contract - stated opened XX/XX/XXXX not XX/XX/XXXX - faxed letter of dispute refused to open, they are a debt buyer not the original creditor illegally reporting on my CBR for an account beyond the Statute of Limitations that does n't even belong to me
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I call XXXX XXXX and closed my credit account dur to hardship. I was assisted with setting up auto pay for the account and have payments taking out the account monthly. We discuss the status of the account and how much I can pay etc. We came to an amount of {$220.00}. We discussed that this was best choice for this account. Discussed this will not be reported late, will pay less interest etc. The money was set to begin being pulled on XX/XX/year>. I spoke with the rep and was assured this payment arrangement is fine, no pate payments would happen, account would report satisfied and paying on time. On XX/XX/year> I get an update that XXXX XXXX has reported this late 30 days. Again, why?? I was assured this wouldn't happen, the payment could have been made on XX/XX/year> but was assured not necessary and beginning on XX/XX/year> would be fine and safe. Please HELP FIX THIS. THIS HAS IMPACTEE MY CREDIT AGAIN. The autopay was to prevent this from happening, this is not correct or fair. Called XX/XX/year>. Spoke with XXXX reps of which, XXXX presented as team lead and was argumentative, rude, very bothered and poor/horrible customer services skills and deserves to be FIRED!! I hope they go pull all the tapes and listen, especially when setting up this account and hold your staff accountable for this huge costly ERROR.