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

THE FOLLOWING ACCOUNTS ARE AN ERROR XXXX, XXXX MISSING INFORMATION. THIS ACCOUNT WAS NEVER VERIFIED ERROR FRCA XXXX VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT.S : 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: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB. I am writing in regards to follow up case # XXXX. I would like for Equifax to remove the {$230.00} collections from my credit file/report, as my original complaint requested because it does not belong to me. Also, It has been well over 40 days and Equifax still has not provided me with a status update of my complaint. I had reported that I had a fraud alert on my accountt due to identity theft and that the collections of {$230.00} is not mine ; and it's the only collections on my report. Also, CFPB reported to me, by email that Equifax could not verify the account because it is a third party ; which I had also stated in my original complaint and that I have never had any dealings or accounts with that third party. They should not have been able to collect my personal information on my credit file from Equifax because of a fraud alert that I have on my report and Equifax still allowed that third party to inquire my account. Therefore, in addition to the above statements, they also broke the guidelines of the fraud alert/security freeze. Again, I would like for Equifax to remove the collections of {$230.00} from my credit file/report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ran a hard inquiry on my Transunion report on XX/XX/2023 without my consent. I submitted a request for documentation that shows that authorized the inquiry and have not received a response
Product: Student loan

Ive had a previous claim against this company. They have been giving me false information in regards to extending my terms for a lower interest rate. 

I Initially expressed my interest in looking to lower my interes initially expressed my goal to lower my interest on one of my loans. My loan is earning 11 % interest currently. I was told if I extended my terms to ten years, Id have my interest reduced to 4 %. I was told this by three people. The customer advocate explained the refinancing structure the same way as the other representatives did until I asked further questions. 

I later learned from the customer advocate that the loan was actually for 12 years not 10 ends the first two years were the only years Id be receiving a reduce interest rate. After two years, my loan would go back to 11 %. That would of cause me to pay back over double what Im intentionally paying currently. This wasnt disclosed to me and I would of agreed to these terms if I didnt ask more questions. 

They break the discussion down into months instead of years to hide what youre really agreeing to.

When I told them I was looking to refinance my student loans, they denied my forbearance even though I had only used nine out of the twelve months. They did so a day before reporting it on my credit score causing my credit score to go down, inorder to ensure I couldnt get a loan/better rates through another student loan provider. 

I wanted to start recording these phone calls because Salle Mae records them as well for their records. When I told management I was recording they said, we do not authorize the recording. Clearly, they do not want me having the records for legal reasons but feel free to record on their end.

Its clear that they do not want me to refinance elsewhere so that was there intentions for denying my forbearance even though I had more than enough time and a plan in place. They waited until the very last moment, before it reported on my credit score to do so. The strategic moves are single-handedly done in order to ensure that you keep the loan within Sallie Mae. Thats why they didnt disclose the loan extension details and then tarnished my credit score.
Product: Vehicle loan or lease

Purchased a XXXX XXXX XXXX in XXXX for XXXX (? ) XXXX $ down tax fees XXXX XXXX Orig agreement was with the dealership & somehow was transferred to Credit Acceptance & charged over 23 % interest w/a co-signer. Org. loan of XXXX $ XXXX $ or more @ XXXX $ mo.for XXXX. They repossessed the vehicle without any prior knowledge or attempts to reach me in XXXX of XXXXPandemic, in spite of multiple calls letting them know that we were experiencing financial issues. Previous payments had been made unlike they have falsely reported Since XXXX they have either not reported or incorrectly reported payments made on the loan to the XXXX credit bureaus. At one point there had been two account # s. connected to my account on their portal. After paying on this loan for XXXX & XXXX mos. they are reporting that $ XXXX is still owed & $ XXXX Is past due. Every mo they charge a late fee no matter when its paid, and even after payments of XXXX $ over XXXX $ that is required. I have tried to contact the dealership where it was purchased but they have never returned my calls. In desperate need of clarification on the limitations of interest charges, payments and the right to repossess a vehicle after incorrect /invalid information has been reported. The vehicle was sold with a major airbag recall that has since cost me over XXXX $ out of pocket expenses that I was given XXXX $ in reimbursement. Currently there is another recall for the same issue that is just as dangerous and the issue is not being resolved in a timely manner either. Stuck making outlandish payments for a vehicle that is XXXX old!!!
Product: Debt collection

This is a complaint against XXXX XXXX XXXX XXXX XXXX, who collects debt on behalf of the state of DE. Facts and details supporting my claim follow below. -Debt originates from an alleged toll violation in DE on XX/XX/XXXX at XXXX. DE said that I did n't have an XXXX. I did. The toll amount was {$4.00}. -The first notice I have of the violation is dated XX/XX/XXXX. The amount on this notice was {$29.00}. -I had moved from XXXX to XXXX to be with my wife, who is on XXXX XXXX XXXX in XXXX. -The second notice I have is dated XX/XX/XXXX. The amount on this notice was {$66.00}. -Due to my move, I may have recieved both notices at once. I do n't recall. -I appealed. -The response to my appeal is dated XX/XX/XXXX. Confusing because of the dates, but amount owed is for {$29.00}. -Reason for denial was now different. It said I did not prove I had a positive balance at the time of my alleged violation. My account is linked to my credit card. -XXXX turns me over to a debt collector, XXXX XXXX XXXX XXXX. The first notice is dated XX/XX/XXXX. -I called to dispute the debt on XX/XX/XXXX, and was told I could not dispute the debt. After arguing that I could, the representative told me that I could waste my time sending in a letter, but that I could n't dispute via phone, which their notice to me said I could. The representative also said she could read me the response I would receive, and that it did n't matter what I said. -I mailed a letter on and dated XX/XX/XXXX. -I recieved a generic response, likely the one the representative referenced in my XX/XX/XXXX call, validating my debt. -XXXX XXXX XXXXXXXX, XXXX. Has violated the Fair Debt Collection Practices Act by not allowing me to dispute the validity of my debt.
Product: Credit reporting or other personal consumer reports

Per Upstart, I have 7 late payments. I paid within the 30 day margins for 2 of the 7 margins. The company informed that it would not reflect on my credit report and it has. I have proof that I paid within the 30 day margin and the company refuses to remove the late payments. I have offered to pay down the balance to only owing half of the balance as a settlement and they still refuse to remove the late payments that were not late. This company is not honest and theyve practiced several violation of the fair credit bureau act.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in those account to be removed.

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. 
XXXX  Never Sent the periodic statement 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! 

Delete the late payments from my consumer reports
Product: Debt collection

I have been called repeatedly about this debt from a law firm Aldous & Associates. It has been nonstop harassment. I have been receiving calls frequently at varying times, causing a great disturbance to my daily life. They have continued to contact me repeatedly and leave voicemails after I have already spoken to them over the phone. They refused to set up a payment plan and said to call back when I am able to pay. I dont agree that I owe the debt because it was a fee tact on by a former residential community, after I fulfilled all rents due. I was going to pay to have them stop harassing me, but even after I spoke with them and told them I would call back when I have the money and told them that I didnt need to be contacted further until I was ready to call back they continued with the harassing calls. This has given me great anxiety anytime the phone rings. Im also wary about potential legal action from this law firm because they are frequently calling.
Product: Credit reporting or other personal consumer reports

Dear TransUnion What happened to sending my updated results with a reasonable time frame of 30 days? I am referencing the accounts listed below : XXXX XXXX : Account number : XXXX, The account type detail has another name. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXX : Account number : XXXX, The account type detail has another name. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXX : Account number : XXXX, The account type detail has another name. I need this fixed ASAP. 30 days should be enough. 

What happened? 30 days has come and gone because of this, you must delete the items in questions as they are not correct anyway. Your failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that you only have 20 or 30 days to investigate this matter? 40 days has past and nothing from your company. Delete the accounts listed below or I will have to exercise my rights and file complaints with the XXXX, Attorney Generals Office, and the CFPB. 

I take my credit seriously and I hope your company does also. Please do not delay with sending me updated credit reports with deleted information. 

Take care. 

CC : FTC, XXXX, CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor, Apple Card/GS BANK USA has violated my rights. Under Act 15 U.S.C 1681 SECTION 602 SAYS I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 section 604 A section 2 also states " a consumer reporting agency can not furnish an account without my written consent. Under 15 U.S.C 1666B, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have contacted CAPITAL ONE BANK about the collection account ( s ) listed on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, which governs the privacy and sharing of consumer information. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me. This is not my account. I have never signed an agreement for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After an internal investigation, XXXX XXXX XXXX concluded I was indeed a victim of opportunistic identity fraud and requested this fraudulent line of credit be removed. Correspondence was sent from XXXX to Experian and XXXX requesting the removal of this trade and all things associated with it which includes those inquiries. I myself have also submitted documents and still it remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  due to XXXX  from XX/XX/XXXX to XXXX XXXX. 
on XX/XX/XXXX my wife called Capital One to notify them of my XXXX  and ask for an extension or forbearance for the upcoming payment which was due between She was told that they would process the forbearance and email me confirmation. I received no emails or confirmation. following release from the hospital realizing they had not responded or confirmed the forbearance i made the payment over the phone. 
they still reported a thirty day late on my credit report and it has caused a substantial drop on my credit score. 
I would like the XXXX  day late deleted from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has placed inaccurate on credit report and the dates are followed Closed XX/XX/XXXX and XXXXXXXX XXXX date is XX/XX/XXXX. There is inaccurate information being reported by Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX my SS XXXX my DOB XX/XX/1982. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX XXXX {$380.00} XXXX  XXXX {$640.00} XXXX  XXXX {$750.00} XXXX XXXX XXXX   XXXX {$260.00} XXXX XXXX {$190.00} US DEPT ED XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX I have placed an initial fraud alert and explained to numerous XXXX employees I have received so many confirmations and have XXXX total disputes currently and XXXX active to then say they removed or deleted personal information but it still post on XXXX or back into my credit report mailed to me. I have a child support paid off from California that should be deleted and not on my credit file. I have repeatedly asked for thorough investigations and to correct the reporting of payments not being reported or accounts that must be deleted off my account due to fraud, write offs, charge offs or closed accounts not on bad standing and paid off. Their is also a XXXX loan that needs to be looked at on my report that I have not made one payment because of deferment and XXXX pushing deferment but it states {$1000.00} has been paid towards it on myEquifax account. XXXX has yet to delete several accounts that must be deleted. I have submitted CFPB complaint in XX/XX/XXXX and mailed dispute letters to all three major credit reporting agencies and soon thereafter XXXX was informed by Transunion of two particular accounts that should be deleted and they deleted but are still at stake the most for the breach of account in my name. XXXX deleted those off of their report but Transunion nor XXXX has done the same following the complaint number XXXX in XX/XX/XXXX. This complaint goes for all three credit agencies because the same errors and violations of credit reporting go along with Transunion and XXXX who have also willfully continue to violate and administer bogus investigations with deliberate disregard and noncompliance of FCRA and CCRA, Acts in place, Federal codes, Bus. Prof codes, Civil codes and regulations that are designed to protect consumers. I will pursue the restoring of my personal FICO credit score back to over XXXX by submitting evidentiary documents on the contrary to prove its not of my benefit nor a frivolous consumer law civil matter regarding these current issues with XXXX, XXXX and Transunion at this present time in XX/XX/XXXX.
Product: Mortgage

I have been working with my loan company for over 8 months trying to get them a complete loan modification packet. I have sent them numerous times the documents that they are asking for and even placed a sale date because they advised they never received them. I had to file bankruptcy in order to stop the sale because I don't want to lose my home.
Product: Mortgage

Paperwork was improperly written up for a forbearance. Worked with them to do a loss mitigation. They told me to make a payment in XXXX and I did. They then sent me a letter saying my next payment was due XX/XX/XXXX with a 15 day grace period and I was expected to make these payments until loss mitigation Paperwork was sent back. I sent the a payment on the XXXX and received an email today on the XXXX that they were sending me a check for my payment because my house was sold to a XXXX party on the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

SECOND REQUEST : Transunion came back on XX/XX/22 stating the account had been verified as mine but failed too thoroughly investigate all accounts listed on my report. Instead they opened and account that I was listed as closed and is fraudulently showing incorrect information after I have sent them several requests to have the following removed. They are not following E-OSCAR and Metro 2 Compliance. They are sending out letters without thoroughly investigating items on my credit report. 

Those items are : XXXX XXXXL-was listed as closed. They reopened it with a balance reporting every month which is against the law. 

XXXX  XXXX XXXX XXXX  XXXX TEXAS
Product: Credit reporting, credit repair services, or other personal consumer reports

They say I open an other account, its no true
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have multiple late payments on this account that were in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, i've attached a copy of my report to this complaint on the following dates XX/XX/year> through XX/XX/year> XXXX # XXXX I am requesting you investigate this account and I would like specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove my payment was not submitted on time. If unable to provide this proof, update these payments to paid on time immediately. Thank you for your understanding and prompt action
Product: Student loan

I called the  XXXX   XXXX   2017  to ask a question about how much I actually still owe because the website is unclear. It to ok 25 min utes before anyone answered. I was told I owe  XXXX  plus an additional  XXXX , so I paid all of that online with my bank account. I called again today  XXXX   XXXX   2017  because I notice all that money was gone from my bank but the their website says I still owe  XXXX . It took  me 27 minutes before anyone answered. The customer service is short and rude and actually hung up on me when I started the wait time was too long. Called again 29 minutes got someone. I found out I overpaid my loan by about 120 dollars because the first representative was incorrect about how much I actually owed. Now, I have to wait 60 days to get a refund. It is also worth noting that my credit score dropped dramatically because they claimed they were emailing me warnings about starting my payments but when I c hecked my email on the dates given that I got these warnings I have no emails and also got nothing in the mail.
Product: Money transfer, virtual currency, or money service

I have transferred multiple amounts to my daughter in the XXXX and the fees were astronomical
Product: Debt collection

XXXX XXXX, Social # XXXX XXXX XXXX, DOB XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XXXX, XXXX under the account number ( private ), Credit Card Opened at XXXX XXXX opened XX/XX/XXXX, XXXX XXXX Credit Card opened XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX an auto loan account opened at XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number ( private ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.