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

Experian Entertaining XXXX XXXX XXXX  ... XXXX XXXX XXXX owner of credit report wants Experian to remove the entity that is XXXX XXXX to credit gain and productive establishment... 
You had XXXX months ... .to remove yourself... 
But you tried to overcharge A Consumer And you failed to do IRS Credit report A person is insolvent And can not be debt liable Experian need to get off their XXXX And stop sending the consumer Bs XXXX years of credit of credit history and you XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX  years Because XXXX company writing some Bs Misinterpretation You all need to be XXXX XXXX XXXX XXXX XXXX fired As per Ores..Trump
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, for the first time since I had the loan ( which had been since XX/XX/XXXX ) I missed a loan payment. It was my first missed payment after 16 months of consecutive, on-time payments. 

On XX/XX/XXXX at XXXX XXXX, I received a call from Santander Bank collections department. I received XXXX calls per day over the next 3 days, XXXX of those came after I had reported to stop calling me because it wasnt going to get them paid any faster. I knew I was behind/late and that I would get them a payment when I could. I also receive yet another call on XX/XX/XXXX at XXXXXXXX XXXX ignoring the XXXX Not XXXX request. 

On XX/XX/XXXX, XXXX charged me a {$35.00} NSF fee. On XX/XX/XXXX, I caught up the payments with an amount that was {$95.00} more than the normal {$600.00} payment ( a 15 % late-penalty for XXXX month, on top of the {$35.00} NSF fee XXXX paid ). 

This month, I missed the XX/XX/XXXX payment and the harassing calls have started again on XX/XX/XXXX, despite my prior request to stop calling me by phone and to contact me using regular mail or e-mail only, and despite being told twice that they would put me on their internal DO NOT CALL list. 

Yesterday, XX/XX/XXXX, I receive a phone call at XXXX XXXX, that I accidentally answered then hung up. I received a XXXX phone call the same day, around XXXX XXXX. This time I answered intentionally and spoke to a woman ( did not record the name as I was driving ) and told her no one from Santander was supposed to be contacting me by phone. I told her I would pay the past due amount when I could and to stop calling me. She said, once again, that they will put me on their Do Not Call list. 

The very next day after this phone conversation and XXXX verbal request to stop, I got yet another call from Santander at XXXX XXXX. Ive had enough of their harassing phone calls and want Santander to cease and desist immediately! From this point forward, they can only contact me by XXXX mail or using the e-mail on file.
Product: Credit reporting or other personal consumer reports

I am writing to the CFPB to request the XXXX XXXX account be removed from my credit reports due to inaccurate information. 

On XX/XX/XXXX, I reviewed my credit reports and noticed XXXX XXXX was reporting two different last activity/account closure dates. 

XXXX reporting the account closed XX/XX/XXXX and XXXX reporting the account closed XXXX XXXX, a 30-week difference. 

I disputed the accounts to XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. 
The results returning for XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. 

Despite both bureaus conducting investigations, the disputed information remains the same while other account information was changed. Which begs the question, is this information true and correct? 

According to 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) 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.

According to 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I am in the process of purchasing a home for my family and having this incorrect information on my credit reports is hurting me. Please remove this inaccurate information from my credit reports as soon as possible.
Product: Mortgage

I got approved for a XXXX loan with Caliber Home Loans but an agent called me to deny me the loan. He said my score was too low. I said they can't deny me credit after it got approved, they are in a fiduciary obligation and anyway I was going to pay the loan in a short period of time, but he still refused to give me my loan and hung up on my XXXX.
Product: Debt collection

My divorce was just recently final and I was in a very toxic, XXXX  marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?
Product: Debt collection

I checked my credit report being that I'm wanting to purchase a home however I there is Navy Federal Account that is reporting on my XXXX account in which I disputed directly with Navy Federal and they sent a letter stating they would remove it 3 weeks later i checked my report it was removed however this is now 6 months later I check my report again and to my surprise Navy Federal is reporting on my credit this is outrageous and goes against the FCRA. I'm demanding this fraudulent account be removed indefinitely or I will have my attorney sue.
Product: Vehicle loan or lease

I remitted my payment to CapitalOne for {$2000.00} my payment has not been applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for financing via XXXX XXXX on XX/XX/18. I received an immediate denial letter stating my credit score was XXXX reported by XXXX. I have an Equifax account which shows my XXXX  score being XXXX as of XX/XX/18. I've tried reaching out to XXXX  with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft BANKAMERICA Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Equifax, XXXX  and XXXX. I have settled all of my collection accounts which was being reported. 
I had 4 collection accounts that was paid within the last year, the credit reporting agencies not only improperly reported the tradelines, but they did not raise my credit score accordingly as they were being paid. I also paid down on my credit card accounts which does not reflect on my credit report. This non-increase is very damaging, when applying for credit I am subject to much higher rates due to the incorrect reflection of my scores. I should have received 60 additional points for paying off those accounts.
Product: Mortgage

They continue to claim my Father ( XXXX XXXX ) is no longer residing at the property. This is totally incorrect, and i have jumped through major hoops to proove it. They refuse to answer any questions as to how they recieved the false information, and continue to threaten, file court docs, send out process servers and continue to harrass my XXXX year old father and our family.
Product: Mortgage

Hello, There is a newer mortgage company in the XXXX XXXX area called 'Finance America ' that is now advertising targeting the XXXX market through radio adds in the radio station XXXX, they have had several adds this last week ( XX/XX/XXXX - XX/XX/XXXX ) through the same spoke person XXXX XXXX ' that used to do the advertising for the former well known predatory lender XXXX ' , they are again misrepresenting loan programs and launching un compliant and unfair adds, there is no XXXX information disclosure and no mention of being and Illinois licensee, nor an equal housing lender ; this group of loan officers/ lenders committed multiple cases of fraud before they were put out of business a few years back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  indicated in the CFPB response dated XX/XX/2023, that they had requested the consumer credit reporting agencies to update their records to reflect my account as paid in full. However, to date, my credit reports have not been updated. XXXX  continues to show a willful failure in reporting my payment history as paid in full, and as a result, I have had to put my personal financial needs on hold due to XXXX 's inaccurate derogatory reporting on my credit reports. I have been experiencing this for 10 months and have not received a resolution. To date, my credit report states that " Account paid in full for less than full balance '', which continues to reflect a negative rating on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent LexisNexis two invoices for {$1000.00} each for their violation of 15 U.S. Code 1681b Permissible Purpose of Consumer Reports. Back in XX/XX/2021after I disputed a bankruptcy on my LexisNexis report, LexisNexis sent me a response letter to inform me that they had removed the bankruptcy from my report in accordance with the FCRA 15 U.S. Code 1681b. LexisNexis admitted their violation of this Consumer Law, by furnishing XXXX and XXXX my Bankruptcy information for a profit. The Law mentioned above clearly states what a permissible purpose is and that the ConsumeXXXX shall have consented, orally, in writing, or electronically to the procurement of the report by that person, in which I did not consent to. 

XXXX and XXXX has also confirmed that they received my bankruptcy information from LexisNexis after I conducted a dispute with them both. When I called LexisNexis on XX/XX/21 they gave me the run around and indicated that they didn't see my invoices I sent them. I informed LexisNexis that I sent the invoices via priority mail and that I have a tracking number that proves they received it on XX/XX/2021.All documents are attached to this complaint that will be needed for proof. I informed LexisNexis that the FCRA states that for every violation of the FCRA it can range anywhere from {$100.00} to {$1000.00}, and by them illegally reporting my bankruptcy information to the credit bureaus, it has caused problems. I have attached to this complaint a letter from XXXX Credit Card XXXX, informing me that I was turned down for credit because of a bankruptcy being reported on my credit report. I need for LexisNexis to honor these invoices attached to this complaint since they claim they can't find them, I'm sending them to LexisNexis again, so please see the attachments LexisNexis.
Product: Credit card or prepaid card

XX/XX/2022 is a transaction on my credit statement from all school fundraising for XXXX. I called JetBlue Mastercard to report fraud I receive a credit but than on my next statement transaction was put back on my account. I called JetBlue again and was told they was going to send me all info regarding the transaction when I receive the paperwork all the information on there was incorrect wrong name and mailing address. I than called the school where it was to receive such items and the school was not aware of what I was talking to them about
Product: Debt collection

I am writing to seek your assistance and intervention regarding an ongoing issue with a collections agency, National Credit System which has been attempting to collect a debt from me that has not been adequately verified.

I first became aware of this debt when I reviewed my Credit Report. However, I have not received a letter, call or notification from National Credit System.it I have not received any documentation that provides any detailed information or documentation to substantiate the validity of the debt.

I promptly reached out to National Credit System Via phone in XXXX, 2023. They couldnt not provide any detailed proof of debt other than Original Creditor, Account number and date. I then reached them via email with no reply back. I proceed to reach the collection agency by sending a request for debt validation via certified mail sent on XX/XX/2023. In my letter, I requested that they provide me with the necessary documentation, such as valid proof of the alleged debt. The original creditor 's contract, and proof of their authority to collect the debt. 

I have called, sent emails and a certified letter with proof that I do not owe this debt. I believe this debt to be a fraud from original creditor. 

Despite my request, I have not received any documentation or verification from National Credit System to date. It has been 6 months since I initially contacted them, and I remain concerned about the validity of this debt. 

Consumers have the right to receive proper verification and documentation when dealing with collections agencies. This not only protects consumers from potential unjust collections but also ensures fair and ethical practices within the industry. 

I kindly request your assistance in this matter. 

I have requested proof of damages being reported and the reason for this collections but no proof has been provided by the collections agency or the original creditor ; other than the false accusations of landlord to collect. I have provided proof to the collections agency of the state of the premises when we left. Annual inspections were done and we always passed them. For the Final inspection the representative XXXX XXXX did not show up. She then claimed our deposit was being returned and it would reach us via mail. Months later she then sends a collections letter with false accusations. You may look into XXXX XXXX she seems to be doing this to many tenants.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX XXXX XXXX. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
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 XXXX XXXX to reinvestigate these accounts, 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. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I have not received an answer, and at this point I just feel they are not going to cooperate with me, he Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report,
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible, and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

Foreclosure mediation ended in XX/XX/2021. XXXX XXXX, XXXX is the investor and Fay Servicing is the loan servicer. 

I am writing to complain about the practices of Fay Servicing and XXXX XXXX, XXXX. We just completed foreclosure mediation on a 15 yr old 2nd mortgage, where they have essentially bullied us into a payment we can not afford. Mediation is stated to be a negotiation but it is not. The handbook should specifically state that it is not. We tried to settle for a cash payment, they denied it then issued a 2nd modification offer that is XXXX higher than their 1st offer -- after saying they had to make a special income exception to issue the 1st. The orig loan was XXXX. It is now XXXX at 9.5 % interest which is outrageous. We can't afford rentals now and now we can't afford to keep our home either. Their first modification offer was XXXX. We counter-offered a cash settlement offer. They denied it and issued a modification offer of XXXX. I am a veteran and I was given bad attny advice by an attny who has since been disbarred and convicted for fraud. He told me this loan was discharged in bankruptcy and to not worry about it. He didn't tell me they could take my house. I am not trying to get out of it, I just needed a lower payment, lower int rate or longer term. If they could offer XXXX once, they could offer it again. I am set to sign modification documents in the next couple of days because I have no options left. I would like the govt to know that this company is forcing people out of their homes. Read reviews about them. Also, you can NEVER speak to a person. They don't respond to calls or voicemails. Their business practices are unacceptable. I would love the govt to intervene on my behalf but I realize that's a pipe dream. But he should know what crooks these companies are.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account never 60 days late at all and never 40 days late in XXXX or XXXX extensions were placed on file. 

As you can see from the attached call logs they were contacted over 21 times. The company states no such contact took place but the call logs clearly show otherwise. Additionally each of their responses has always differed. A transfer of equity application was submitted over 7 times. The late fees assessed are in 100 % absolute dispute as part of a dispute in XXXX they agree to waive these now state otherwise. 

Then they replied stating pay within 72 hours we will waive which was unrealistic and scandalous considering the amount was already in dispute. The supervisor stated they were processing the transfer while they were in dispute as the customer they were transferring to confirmed he was aware of everything again this was not done resulting in me having to be stuck with despite all appropriate measures being taken otherwise They processed a due date change that ran into technically difficulties the reporting attempted to fix and could not then that took away my ability to pick the date despite it not being my fault or my problem in any way that they made an error. 

Told to wait 12 months then told ok when account is current then they processed it allow one billing cycle then oh its only one time per life of the loan enough is enough I have emails, over 72 call logs since XXXX most of which during the times they alledged claim no notes and no calls placed on cease and desist they continued to violate over and over a bad call me before XXXX then said they didnt theres no record of that well I have the call logs that refute their constant lies there too Will be seeking legal action if not fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX, XXXX XXXX Account # XXXX and First CentennialXXXX account # XXXXhas violated my rights. 

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

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

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

I bought a XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX. I made payments through XXXXXXXX XXXX XXXX when my now ex-wife left with the car. The divorce was final in XXXX XXXX XXXXXXXX. She was awarded the car in the divorce. She gave the car back to me in XXXXXXXX XXXX XXXXXXXX and the insurance company ended up totaling it because it had been stolen and recovered when my ex-wife gave it back to me. The loan while it did have non-payment for the months between XX/XX/XXXX and XXXXXXXX XXXX XXXXXXXX, it was completely paid off including all interest, as the documentation that Capital one themselves sent to me. The paperwork does not say anything about charge off. It says credits were given for missed payments and interest with the monies received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to log into equifax to access my account to view my credit information as well as placing a credit freeze. I am seeing this message when attempting to log in " We are temporarily unable to complete this request. '' I have tried multiple times reach out to speak to one of the agents, but have been unable to get in contact with an agent. I can not setup services as I am getting messages that my report is frozen, yet I do not have the ability to unfreeze, view or access the credit report online at all. Even If I select to sign up or pay for a service I still see that error message. This error message has been displayed for months on the account. 

I have also reached out to XXXX though this time I was able to get in contact with a representative. They told me there was in fact an issue with my account and that a manager would reach out to me in 24-48 hours. This was roughly 2-3 weeks ago and I have not heard back from them yet. I can not access my account here as well/.