23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I Have Excellent Credit but they ran my credit score 6 times at dealership without my consent. 

I purchased a vehicle on Wednesday XX/XX/18 at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I allowed them to run my credit once, and they ran it six times, once through the dealership and through various banks. So, my credit score dropped as a result. I did not content to them running it multiple times.
Product: Credit reporting or other personal consumer reports

Report # XXXX I filed a dispute on with Experian XXXX XXXX and XXXX XXXX XX/XX/XXXX. Experian failed to properly investigate disputes and remove or correct inaccurate, incomplete or unverifiable information. In light of the CFPB lawsuit filed against Experian on XX/XX/XXXX, I insist you conduct a reinvestigation as require by the FCRA law. Do not accept the findings of furnishers who do not provide thorough results of their reinvestigation which I will ask you to provide to me in detail via mail.
Product: Debt collection

The original debt to XXXX XXXX ( the creditor ) was charged off many years ago and has long since exceeded the statute of limitations established in the state of Florida where I resided when the delinquency was incurred. 

Jefferson Capital Systems, XXXX XXXX XXXX , XXXX. XXXX, MN XXXX, illegally re-aged the debt in XX/XX/XXXX, effectively restarting the clock, claiming that it now expires on XX/XX/XXXX. I took no actions which would legally allow Jefferson Capital Systems to take this action.

Jefferson Capital Systems continues to report negative information to the 3 credit reporting bureaus which have inhibited my ability to receive favorable terms on a mortgage and two car loans.
Product: Student loan

I have made several calls to Navient to determine the status of the student loan my ex spouse and I share. I am a co borrower on the loan and have been making payments for over two decades. We both are eligible for PLSF so I have been trying to obtain information about the loan status and if a forgiveness is underway and if so how will I be informed about it and or any possible reimbursement. I have called in XXXX, XXXX, XXXX and I have not had much assistance. I have an opportunity to consolidate the loan but as a co borrower I was told I can't move forward. I offered to accept the loan all together but again not resolution or discussion was entertained by Servicer.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX Experian : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting

An account on my file is reporting inaccurately and Equifax has refused to properly investigate this or do any proper investigation. XXXX XXXX XXXX # XXXX is reporting incorrect status ', dates and balances. It is not correct and I have contacted the furnishers and they have informed me that no one from Equifax has called to conduct an investigation. I have repeatedly asked them to verify this account and show me why it is on my file in such a derogatory manner and they refuse to speak to me, give me absolutely any investigation results and paper work and they have not transferred any of the paper work i have submitted to the data furnishers on my behalf, which would have exonerated me. this account is inaccurately reporting and showing as open and it is badly affecting my life.
Product: Credit reporting or other personal consumer reports

Victim OF Identity Theft please remove account XXXX XXXX XXXX, and XXXX XXXX. Never received supporting documents regarding open account. Sent documents 3/21/2022. Transunion and Equifax never sent supporting contract. No action were taking from credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX o XXXX XXXX XXXX XXXX XXXX, CA XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX o XXXX  XXXX XXXX Balance : {$0.00} o XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX o XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX o XXXX XXXX  XX/XX/XXXX o XXXX  XX/XX/XXXX o XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Please see attached filed. 

My cell phone number was ported from XXXX XXXX to XXXX XXXX on XX/XX/XXXX. XXXX has continued to bill me as if I was a customer. I have been contacting XXXX to dispute the charges since XXXX of XXXX. Attached are bills going back to XXXX of XXXX. As you can see on every bill, ZERO data and gigabits were used for every month I was billed.
Product: Debt collection

I recently noticed a balance of {$1700.00} add to my collections around 2021. After finally receiving a statement and a proper number to call I called to talk about financial hardship to hopefully get this charge taken care of. After getting the runaround I heard nothing back and after a couple of months have received a phone call and a second charge added to my collections for the same charge through the debt collector. I am unable to pay this I have talked to numerous people in regards to getting this taken care of nobody has helped me I have no idea what else to do and I need help trying to figure this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX {$19000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} UNKNOWN XXXX XX/XX/XXXX {$92.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The consumer reporting agencies XXXX, XXXX, and equifax has lower my credit score because of late payments and utilization rate and unauthorized remarks which i never gave a written consent to be On my report and they are not authorized to move or jmpact my credit without my witten consent and is acting on behalf of a principal and is not the principal or fiduciary of My estate or trust and can now show proof in law where they can impact my score because of utilization or late payments where it is not mention in law it is not my job to teach workers about the law it is their duty to fulfill their oath. 

I RESERVE ALL RIGHTS WITHOUT PREJUDICE PURSUIT TO 15 USC1-308
Product: Credit reporting

I have disputed debt buyer accounts on my credit reports to all XXXX agencies because when the XXXX and the XXXX were due to be removed in XXXX of this year they all XXXX allowed debt buyers to replace these on my credit report even though that is illegal. I want these removed immediately. I want proof of where I signed with these debt collectors, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ditech is showing multiple lates which is incorrect. I was in a modification plan which I paid on time. I requested a copy of the plan multiple times and they would not send to me. They sold my mortgage at the end of XX/XX/2019.
Product: Checking or savings account

I had the worst banking experience at Citibank. I signed up for a {$300.00} promotion online on XXXX XXXX, XXXX. I was supposed to receive my account information packet within a week of opening the account, but I did not receive it for about a month. I repeatedly called Citi about it and at first, they told me to keep waiting, but after a month, I called to complain, and they finally sent it to me. 

I then called in multiple times ( at least once in XXXX, XXXX, XXXX, AND XXXX ) to speak with a representative about whether I would receive the promotional credit and was assured multiple times by different representatives that I would receive my promotional credit, but had to wait for some procedures to go through. In XXXX, they told me to call back in XXXX. In XXXX, they told me call back in XXXX. 6 months and more than 6 phone calls later, still no credit, and no accountability from Citibank. I called them a final time in XXXX and told them there was no excuse for them to keep delaying crediting my account with my credit, and they told me that I did not fulfill the original criteria of getting that credit because I did not make a direct deposit within 1 month of opening the account. I was extremely frustrated because I had called in multiple times along the way to ask about this because it was Citibank 's fault that I did not receive my account information until a month after opening my account, and now they were blaming me for not having the account information to make the direct deposit. I am so frustrated with how Citibank stringed me along all this time only to continue to deny me the promotional credit they had promised me. Not only did they continue to lie to me, they also consistently wasted my time and required more than the normal effort to get a response. This is the worst bank I 've ever worked with and I will recommend against it to all of my family and friends, and I hope CFPB will be able to right this wrong.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Equifax continues to improperly report information on my Equifax report. They are failing to follow their own policies, and the XXXX of having 100 % verifiable accurate information on my credit report. 

XXXX is still reporting inaccurately despite my dispute with the CFPB. Information included within this account is NOT accurate, and has false information. In accordance with my right to not have my character defamed, and due to Equifax inability to accurately report my information. I am requesting deletion. EQUIFAX information on my credit report is NOT 100 % verifiable and is hurting my credit report an issue I have had with Equifax for XXXX years on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to place a credit freeze with equifax for my son who is a minor ( born XX/XX/XXXX ). In XX/XX/XXXX I sent in the required documentation to equifax, who only allowed me to do this by mail. I didn't receive confirmation of the freeze. Of note, at the same time I did the same process with XXXX and XXXX and received confirmation of freeze via mail from those two other credit agencies. 
On XX/XX/XXXX I went on the Equifax website to follow up and see why I had not received confirmation of the credit freeze. There was no way to get help with this online, so I called. I spent 15 minutes on the phone going through prompts, then got an automated message listing what documents needed to be mailed in, and was disconnected. I immediately called back, asked repeatedly to speak to an agent, spent another 15 minutes on the phone going through security confirmation prompts, and then was finally connected to an agent. I told him what the problem was and he asked for my son 's social security number for verification. I gave it to him and he said he would put me on hold and check, but instead hung up. On XX/XX/I again called, 20 minutes on the phone. The agent and supervisor I spoke to said they had no way of helping me or checking on the status of my request via phone ( this time did not even ask for social security number ) and all I could do was mail in the documentation again. I find this unacceptable as I already submitted this documentation by mail exactly as instructed, and do not want to go through the process of doing all of this again without knowing why my original request was not processed. If my mail did not reach their office, then someone potentially stole an envelope including sensitive information like my son 's social security number and birth certificate. They were completely unwilling to look into this or discuss this. The supervisor said that he was not in the department that handled this, and that the department that handles credit freezes for minors does not talk to anyone over the phone. 
I told the supervisor I would file a formal complaint due to their refusal to help me over the phone and excessive amount of time I had to spend on this. They are legally required to allow me to place a credit freeze and are making this unreasonably difficult. I have spent approximately 2 hours at this point trying to place the freeze. If they would allow online submission of the documentation I would have been able to do all of this.
Product: Mortgage

On or about  XXXX   2016 , I receive d Bayview Loan M ortgage Statement and I realized that there was a charge in the amount of {$310.00} as  XXXX   XXXX   XXXX . I contact Bayview via correspondence to provide with all and any documentation pertaining to this fee of {$310.00}. I was told that this fee is charged by their office as a service fee for taking pictures to my property or so call " inspection. '' I have not been in any type of arrears with my home for me to be charged this fee. Also, there is no document stating that this fee can be charged to any of their clients. I believe this fee is illegal.
Product: Checking or savings account

Bank of America said that received my claim and reviewed it, but clearly did not take the time to look at the evidence I provided them, as I was a victim of identity fraud, they did not reimburse me with the money that got stolen from me back, and Ive been in a bit of a financial burden recently because of it. I need this money back as I have bills to pay, college, and ultimately to help my family out as well. 
Date of claim : XX/XX/XXXX Amount {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts : 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 XXXX, DEPT OF EDUCATION/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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I have filed numerous complaints since XXXX of 2014 concerning OCWEN loan service and still they have not taken this issue serious. I believe they are in collusion with my condo association and XXXX XXXX and/or the law offices of XXXX XXXX XXXX XXXX. Ocwen paid XXXX XXXX {$21000.00} from an invoice from XXXX XXXX XXXX which they, should not have. I had no notice of this until, Ocwen sent me my monthly mortgage invoice showing I now had a escrow of approx. {$21000.00} and in effect doubling my mortgage payment. When I called Ocwen I, was connected to their office in XXXX. They told me that they paid XXXX XXXX County for back real estate taxes and asked then why? They had no idea why. I called our county government to find out if they had in fact received any money from Ocwen for back real estate taxes and why. They lady I spoke with had no idea what I was talking about because I was never late on paying my real estate taxes and not owing anything. I then called Ocwen again and told them of my encounter with our county government and claimed they did not know who was paid this money. After weeks of speaking to people from XXXX and trying to understand them I finally spoke with someone who could speak understandable English and he explained that Ocwen had paid my condo association that money because of an invoice my condo association had sent to them stating that I owed them money for fines and fees associated with me alter my condo. This was in litigation at the time and no settlement had been approved yet. Ocwen knows this and still will not acknowledge that fact. 
Ocwen has ruined my credit, threatens foreclosure and claims they did nothing wrong. This is not so. Ocwen has a record of foreclosing on people and has been sued by the federal government for over XXXX XXXX dollars and continues to be sued by individuals and class action because of their unethical ways of conduction business. I, myself am in the process of litigation against them the condo association and possibly others. I am seeking closure in this issue and for Ocwen to repay me for my pain and suffering. And, to clear my credit rating which has suffered because of Ocwen and others. I am also contacting my U.S. Senators of the State of Missouri to look further into this matter and see what action they can take against Ocwen. 
Because of Ocwen, XXXX XXXX, my condo association I, am unable to even list my property for sale. Ocwen is overcharging me with approx. 7 % interest. Because of Ocwen 's reputation they have suffered in the stock market. They seen an all time high of about {$65.00} to approx {$6.00} per share. 
Again, this needs to be resolved. I am afraid as long as Ocwen continues to perform as they do that, they will go bankrupt and not able to compensate me or anyone else and I will be left in the cold.
Product: Credit reporting or other personal consumer reports

I am writing this letter in reference to my previous dispute XXXX, submitted to your agency on XX/XX/XXXX. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiry from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of this unauthorized inquiry. 

XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off all credit cards and those that were submitted to a collection agency. I have confirmation of all my payments, made copies and sent to all three credit reporting agencies. I also contacted my Attorney General State of CT and my file was sent your way. I checked my credit reports and still see open balances, collection activity happening and nothing has been updated. They claim to have done an investigation and nothing has been updated. This needs to be fixed as I know I am entitled to monetary damages.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 60 days 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   I disputed some items on my credit report. I asked all   XXXX   credit bureaus to verify the information, asking for a contract showing my signature as well as an accurate date of last activity. I have received no such information only all   XXXX    saying it was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX  with no successful resolution. XXXX, TransUnion, and XXXX  only reporting me 30 days late in XX/XX/2019 and 30 Days Late in XX/XX/2019. There was an error on their part. I was never 30 days late on these two occasions.