23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please remove these items from my credit report : 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 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

In XX/XX/XXXX I called the automated line with XXXX XXXX to find out my minimum amount due. This was after my account was locked due to multiple attempts trying to access my account online. Upon entering my credit card information, I was informed there was a XXXX minimum amount due. I have made several payments in the past early and was under the impression ( through their account information line ) I had already made the payment. 

However, in XX/XX/XXXX I received an alert through Experian that my XXXX XXXX had reported me 30 days late. I immediately called XXXX XXXX. I informed them that the system had stated I had already made the XXXX payment. The customer service representative then informed me that my credit card had been canceled and a new card was being mailed. This was a precaution due to the XXXX  data breach. Keep in mind, I never received a call, a letter or an email. They simply canceled my card without any notification. As a result, when checking my account for my monthly amount to pay the credit card number was no longer active so it reported me not late and XXXX due. After 2 weeks, I never received my new card. I called and XXXX XXXX stated they would send one out immediately. After 2 MORE weeks, no card. I called AGAIN and they stated that it was being mailed out. I do not feel that this is my fault and should not be held responsible on my credit report for 7 years when something was done without my knowledge that affected my credit. I have disputed it with the credit bureaus with no luck. I called XXXX XXXX and they said I am no longer able to dispute any misinformation since it has been over 60 days. 

I had to dispute another credit card company due to the exact same reason. As a result of my letter of Goodwill, they removed the late payment from credit report. I have mailed the same letter to XXXX XXXX without any luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX HARD INQUIRIES MY CORRECT ADDRESS IS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ALL OTHER ADDRESSES SHOULD BE DELETED
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile
Product: Mortgage

I got a Rocket Mortgage loan ( Loan number XXXX ). During the application process, the representative promised discounts and rebates totaling about {$8000.00}. The discounts were not on the loan documents but the representative stated the discounts do not show up since the rebate check will be sent separately. Therefore, I signed the estimates. 

Few days before closing date, Rocket Mortgage representatives state the discounts can not be honored. It was too late for me to walk away so in order to keep the house and the interest rate which I had locked in, I kept the closing and had to close and lose {$8000.00} in discounts. This was a clear case of breach of contract and bait and switch fraud. 

Rocket Mortgage offered me a check of around {$2400.00} to make up for it. I took it but filed a lawsuit for the remaining portion. They offered another {$2400.00} to settle the case, but I did not take it because it is not the full amount. 

I filed a lawsuit and lost due to lack of evidence. I appealed and all the text messages, emails which showed multiple rocket mortgage representatives promising the discounts helped me to win the case. The judge agreed that there was fraud here and granted me the remaining promised amounts. 

While this is a victory for me, my goal is to start an investigation into other customers accounts to see if other people also had to agree to paying higher fees or lost out on discounts few days before the signing of closing forms due to Rocket Mortgage 's breach of contract/bait and switch tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove these listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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 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 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 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 card or prepaid card

On XXXX received an unsolicited business debit XXXX from Square , Inc in the mail under my name and business name XXXX XXXX XXXX XXXX XXXX, with which I have no current or past affiliation. Immediately called Square , Inc and received a case number. They were also made aware that alerts had previously been recently placed with all 3 credit reporting bureaus due to prior attempted ID theft, with inquiry as to how Square , Inc could therefore allow this to occur. Square , Inc representative could provide no information or assurances, stating that someone would follow-up, which never happened, even after my properly executed, tracked written request as a victim of ID theft ( with photo ID, copy of law and police report case number ) to their compliance department was received. I also requested a copy of their remediation policies at that time, again without response.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Checking or savings account

Chase was asked to remove my data from their Data Matching Program, stop levies against my account and property and stop participating in the child support collections activities for profit. ( Please see letter dated XX/XX/2019 and please see attachments in PDF as uploaded 30 pages total. )
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX I was unemployed and collecting unemployment benefits from XXXX. During this time, my loans with Navient were supposed to be in deferment. Due to an error on Navient 's part, these loans were never placed in deferment and were instead placed in collections. As a federal student loan borrower, I was entitled to deferment or forbearance during my period of unemployment. Therefore, my credit reports do not currently accurately reflect previous payment statuses. 

Navient representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX that any subsequently initiated deferments would not allow for Navient to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. 

I expect my late payments and negative remarks to be removed from all CRAs within 14 days. I intend on disputing the processing of my deferment if need be.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am writing to formally register a complaint and seek redress regarding my participation in the Sweet vs. Cardona Borrowers Defense Class Action Settlement ( Application Number # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  ). I believe my case merits special attention due to the following facts : I am addressing the inclusion of the following tradeline on my credit report : - Account Name : MOHELA/DEPT OF ED - Account Number : XXXX - Loan Award ID : XXXX - {$4800.00} - Loan Award ID : XXXX - {$7500.00} - Loan Award ID : XXXX - {$7500.00} - Loan Award ID : XXXX - {$13000.00} - Loan Award ID : XXXX - {$20000.00} I believe this tradeline violates the terms of the settlement agreement and consumer protection laws under the Fair Credit Reporting Act ( FCRA ). As a Sweet class member, I have the right to keep these loans in administrative forbearance until I receive a discharge or a decision on my application ( s ), as specified in the settlement terms.

I request that the credit reporting agencies promptly investigate this matter to ensure that my credit report accurately reflects my status as a borrower defense applicant in administrative forbearance. The FCRA and the settlement agreement require that my credit reports accurately represent my financial obligations and rights under the law.

As a Sweet class member, I have the right to keep these loans in administrative forbearance until I receive a discharge or a decision on my application : XXXX, as specified in the settlement terms. 

I understand that the Sweet vs. Cardona Borrowers Defense Class Action Settlement is designed to address cases where borrowers have been subject to unjust treatment related to their student loans. Given the circumstances of my case, I believe it falls within the scope of this settlement.

I have reviewed the terms of the Sweet vs. Cardona Borrowers Defense Class Action Settlement, and I believe that my situation is directly related to the objectives and provisions outlined in the settlement. Therefore, I request a thorough review of my case to determine if I am eligible for reimbursement and restitution under the settlement terms. 
Enclosed with this complaint, you will find supporting documentation : 1. Copy of Dispute Statement 2. Copy of Request for Enforcement of Settlement Rights to Privacy and Accuracy of Information ( Dept. of Education Letter ) 3. Copy of Borrowers Defense Class member participation and eligibility for administrative forbearance. 
4. XXXX XXXX XXXX Misconduct, Misrepresentations, and Breach of Contract and Fiduciary responsibility claim evidence and copies of email correspondence. 
5. Copy of your drivers license ( Proof of Identity ) 6. Copy of Bank Statement ( Proof of Address ) 7. Loan Details - Copies of XXXX XXXX credit report highlighting discrepancies.
Product: Payday loan, title loan, personal loan, or advance loan

I was online searching for loans to help pay off some debt. I didn't remember signing up with this particular company. They also sent emails addressed to someone named XXXX, whom I have no connect or knowledge of. I figured they had a mix up so I informed them that I didn't remember receiving the money or signe=ing a loan agreement. They sent the loan agreement. They were drafting and taking money from my account multiple ( up to XXXX times a month ). That wasn't in the agreement. I reported the transaction to my credit union who gave a provisional credit for all of the charges. Upon the credit unions ' investigation, they reversed the credit and left my account overdrawn. 
Although I did sign the agreement, the money taken from my account was on dates that weren't agreed upon and also for amounts different than what was agreed. This is now considered fraudulent and I can't get my credit union to protect my money or give back the money that shouldn't have been debited in the first place. I've since changed my bank account but still with the same credit union. The resolve that I'm seeking is a return of the money they shouldn't have taken ( credited back to my account ).
Product: Credit reporting or other personal consumer reports

My account with ( 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 ( MONTHS REPORTING LATE ) 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 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of items below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, Transunion, and XXXX to reinvestigate these 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 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 XXXX  However, they stated that everything was completed 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 what isnt reporting correctly.

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.

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 ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 FMS collection company pulled my credit report witout any consent. It states I rallied for credit with them I've never applied for credit and if they are a credit collection company how did I apply for credit with them.. This is not the first time that they have done this..
Product: Money transfer, virtual currency, or money service

Paypal will not cancel my account. I canceled my XXXX account no issues due to moving out of the country. I tried to cancel paypal and they stated that I had an outstanding dispute with XXXX. I contacted XXXX who confirmed that I did not. I spoke to 5 different representatives at Paypal after getting their phone number after trying 5 times. They would not cancel and said I had to contact XXXX. XXXX said no, have to contact paypal but we can close out XXXX no problem. I want to close my paypal account but they are refusing do to so.
Product: Payday loan, title loan, or personal loan

I fell behind in my loan due to personal issues and me being a XXXX  mom of XXXX I was notified by the company that I can renegotiate my loan which is XXXX and they will take XXXX XXXX my loan which would be about XXXX I went to apply for the renegotiate and tit still showed my current loan of XXXX without the XXXX XXXX and they were charging me XXXX in Finiance charges which brought the total to XXXX to pay off I called the company to explain to them my calculations how was it that much when my annual rate is XXXX XXXX she didnt say anything until I acknowledged that it was predatory lending and I will be reaching out to file a complaint she then said dont do that it was just a system glitch and that my loan will be XXXX I asked her what the financie charge will be she wouldnt give me an answer said a supervisor would be calling me no one ever reached out I received an email saying my account was past due XXXX which its not only XXXX and wanted me to pay immediately they have now been sending me invoices telling me to pay
Product: Credit reporting

XXXX AND EXPERIAN REFUSES TO CORRECT THE MISINFORMATION THAT IS BEING REPORTED BY XXXX. I WANT THIS INFORMATION THAT IS ATTACHED BE SUBMITTED TO THE CREDIT BUREAUS AND ATTACHED TO MY CREDIT FILES REFLECTING THE DIFFERENCE IN WHAT XXXX IS REPORTING TO THEM AND WHAT IS BEING REFLECTED IN THEIR INTERNAL FILES AND XXXX REFUSAL TO CORRECT THEIR ERRORS.
Product: Mortgage

Second mortgage was obtained for an inground swimming pool in XX/XX/XXXX for {$32000.00} and has changed servicers multiple times. Ditech is the current servicer and will not provide payoff amount of the loan. The loan was originally with XXXX XXXX XXXX  for an inground pool. I have been calling since XX/XX/XXXX, hired a real estate attorney and have received multiple conflicting stories about the status of the loan, including the property was foreclosed on, is in litigation, not eligible for payoff etc. and will give no further information or disconnect the call. None of the information being provided is correct. 

I was not able to sell my property for a job transfer to another state. I am now trying to refinance the property and not able to. Ditech will not cooperate with anyone representing us.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX Inquiry XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry XXXX XX/XX/XXXX and XXXX XXXX Inquiry Date XX/XX/XXXX.
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. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy.

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

15 USC 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 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 or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was no permissible use of any of these accounts. I have made multiple attempts, to resolve this issue. I filed incident reports with XXXX XXXX, and XXXX stating the accounts were fraud. I have issued supporting documents and attached my police report in all claims, and still with no resolution. Below you will find information on those accounts dates and amounts. Please let me know if theres anything else I need to add. 


XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX ( XXXX ) XXXX Amount : {$400.00} Date Open : XX/XX/2017 XXXX. LVNV FUNDING LLC XXXX XXXX XXXX, XXXX, SC XXXX Amount : {$490.00} Date Open : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information listed on my credit report maintained by your agency, as permitted under 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) of the Fair Credit Reporting Act. I have reviewed my credit report, and I believe the following information is incorrect : Additionally, please provide written confirmation of your findings and any corrections made to my credit report. If your investigation does not resolve my dispute, I request that a statement of my dispute be included in my file as required by 15 U.S.C. 1681i ( b ) - ( c The information is incorrect please move from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I made an online inquiry about payday loans. I was contacted by a person named XXXX XXXX. After processing my application on the phone and verifying my credit history, XXXX informed me that due to my credit score, I would have to pay for insurance in the amount of $ XXXX usd. His supervisor sent a loan confirmation letter with " PNC BANK '' listed on the letter head. When I agreed to the loan amount, he then asked me to purchase an " XXXX '' card to pay for the insurance. I refused. He then asked me to got to a money gram. I refused. Instead I contacted PNC XXXX XXXX XXXX XXXX program to inquire about this method. PNC has confirmed that they do not have a program that offers insurance for installment loans, and that they do not require insurances on the loans as they are FDIC insured.