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

Upon reviewing my consumer report, I was surprised to find that the following company ( XXXX ) is/are reporting charge off ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding the removal of the mentioned charge-off ( XXXX ) as I firmly believe that my consumer rights have been violated, as per the consumer law ( XXXX ) listed below. 

15 U.S.C. 1681a - Definitions ; rules of construction Section ( 2 ) Exclusions.

Subsections ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C. 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C. 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

According to the law, a late payment is considered a transaction and should not have been added to my consumer report.

15 U.S.C. 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; As a consumer, I am aware that I can charge {$1000.00} for damages if this item is not removed promptly, as it is causing me significant harm. Please refrain from stating that the item has been verified. Either the law is applicable or not. Kindly send an updated copy once the disputed item has been removed.
Product: Mortgage

After 5 months of my husband calling to resolve issues making payments on our mortgage, I called today. 
Three months ago, our payment kicked in and out multiple times. 
My husband was told we could no longer make auto payments. 
We paid multiple bank fees associated with these returns. 
My husband noticed his bank account number was different in the loan app. 
He was told he must have changed the number himself. 
No reason why he would do so, as he has not changed banks nor account numbers since before we purchased the home. 
He made more calls, was told he could no longer pay from his bank account. 
He was told we must pay by official check via us mail. 
We sent requested checks, still awaiting checks to be credited to our mortgage. 
THE MAN TODAY REALIZED THE PROBLEM. THE COMPANY WAS HACKED IN XX/XX/2023. WE WERE NEVER NOTIFIED OF THIS DATA BREACH. HE HAS SEEN IT WITH OTHER CUSTOMERS EXPERIENCING PROBLEMS. LOAN ACCOUNT NUMBERS HAD BEEN ACCESSED AND NUMBERS WERE TRANSPOSED. 
We had incurred fees with both the mortgage company and the bank. Payments have been late and we are still struggling to sort it out. Multiple payments were taken and returned. My husband attempted to call attention to the account number discrepancy and was silenced. 
All to find out there was a data hack, we were not the only customers, and both our finances and our credit reports have been hit multiple times. 
Why were we never notified of this data breach? 
Why did no one before today know about it? 
Why were we made to stress for weeks and months? 
I was told to wait until our last two payments via certified check clear, then make all further payments by phone only. I was told the app will still have the incorrect, hacked account number, and our payments will continue to be misdirected. I should call in the future and perhaps someone in loancare IT can remedy the mistake in the app. 
So they told no one about the data hack, they currently have no blanket fix for the hack, and although we ( hopefully ) sorted it out today, the situation has not been rectified. Our credit has suffered, our always on time payment record is now blemished, and we have paid extra funds for mistakes not make by us. The company still had no intention of solving the problem or admitting it's security risks.
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/year>. I was talking to a friend of mine through XXXX XXXX  in talks about buying a car. Long story short it wasnt her and someone had hacked into her accounts. I didnt know until after I sent them a XXXX down payment on a vehicle from my XXXX XXXX thank account through Zelle . XXXX XXXX nor Zelle were able to help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving letters in the mail for a while now about me owing child support money. I'm not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX XXXX {$100.00} XXXX XXXX {$800.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX  XXXX {$1600.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXXXXXX XXXX XXXX {$740.00} XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX   XXXX {$5800.00} XXXX XXXX XXXX XXXX {$890.00XXXX XXXX XXXXXXXX {$1500.00} XXXX XXXXXXXX {$3500.00} XXXX XXXX {$1000.00}
Product: Credit reporting

Business Name : Experian XXXX, TX XXXX Phone : XXXX Website : http : //www.experian.com Transaction date : XX/XX/XXXX On XX/XX/XXXX I set out to refinance my home loans and lower my auto and homeowner insurance premiums, which in WA State is dependent in part on creditworthiness. To that end, I ordered the XXXXCredit-Bureau Credit Reports and FICO Scores from Experian : - I discovered multiple critical errors and omissions on all reports and immediately followed each individual CRA posted policies to dispute the items. I simultaneously contacted the sources of the misreported information as well ( XXXX and XXXX ). 
- XXXX and XXXX promptly rectified their version of my credit report, well within the prescribed FCRA deadlines. 
- Experian has yet to abide by the law as of today XX/XX/XXXX : it took them well over 30 days to quit reporting a closed auto loan with XXXX as " FP - Failed To Pay '', an extremely derogatory item. 
- Experian continues to fail to report my oldest account, a XX/XX/XXXX Home Equity Line Of Credit ( HELOC ) with XXXX. This account is in excellent standing, thus failing to report it is also hurting my creditworthiness. 
- I followed Experian 's own dispute protocol, mailing them evidence via overnight, trackable USPS delivery : copy of a letter from XXXX informing me that they had asked all XXXX Credit Reporting Agencies to report this XXXX HELOC account in early XX/XX/XXXX. Again, only Experian did not comply. I also included the latest XXXX HELOC Account Statement as well as copies of XXXX and XXXX Credit Reports correctly reporting this XXXX HELOC account. 
- I wasted countless hours of billable work on the phone with multiple Experian Service Representatives in an attempt to exercise my right as a consumer to obtain favorable credit terms based on accurate credit information. 
- After a harrowing 3-month battle with that XXXX bureaucracy, I am still not in a position to apply for a home loan on the terms I am eligible for or to ask XXXX to rerun my credit check and lower my auto and homeowner insurance. I have wasted well over {$1000.00} in lost billable work and various fees to deal with that despicable entity. Worse yet, I am unable to enjoy the substantial savings a refinance deal and lower XXXX premiums would entail. 

Attached is evidence that the information provider ( XXXX ) asked Experian to report this critical account almost 90 days ago!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # 's XXXX, acct # XXXX, acct # XXXX, acct XXXX, acct # XXXX, acct # XXXX, acct # XXXX, XXXX XXXX, acct # XXXX acct # XXXX, acct # XXXX, acct # XXXX has violated my rights XXXX XXXX. XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A.Section XXXX It also state the consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against ALLIED COLLECTION SERVICE. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Product: Debt collection

Due to unemployment, I defaulted on a personal loan in the amount of {$14000.00}, extended to me by XXXX, in XX/XX/XXXX. The predatory ( unbeknownst to me at the time ) interest rate charged on the loan was 29.99 %. I made timely payments, through, and including XX/XX/XXXX, totaling {$7000.00} ( $ XXXX-Principal + $ XXXX-Interest, applying their predatory interest rate ). By these calculations, the amount outstanding is {$11000.00}. If complying with the maximum interest rate allowable via VA Code ( 12 % ), I believe my indebtedness to XXXX is {$9100.00}. Either way, the collection agency and/or attorney now handling the matter erroneously indicate that I owe {$13000.00}. 

I am now unclear as to whom the debt is owed or to whom I should respond to, as I have received correspondence from : XXXX XXXX XXXX, XXXX, dated : XX/XX/XXXX ( Notice of Intent to File Civil Suit ), XXXX XXXX ( two separate pieces of correspondence ), XXXX ; and Resurgent Capital Services d/b/a or on behalf of LVNV Funding LLC, dated : XX/XX/XXXX ( two separate pieces of correspondence ), and XX/XX/XXXX. 

None of the above-referenced correspondence directly address my dispute, sent to XXXX XXXX XXXX, XXXX, via certified mail, XX/XX/XXXX, and XX/XX/XXXX.
Product: Mortgage

got a divorce in XXXX and was awarded the home. My ex wife signed a quit claim deed to remove herself from title to the property. I experienced a job loss and hardship and received a modification from Carrington which she did not have to sign. In XXXX I suffered another job loss resulting in a delinquency. I obtained new employment with the state and received a trial modification plan with payments due in XXXX XXXX and XX/XX/XXXX. I have made the XXXX and XXXX payments when Carrington denied the modification because my ex-wife did not sign the modification agreement. This was not necessary before and she is not on good terms with me and will not sign anything which further obligates herself.
Product: Checking or savings account

On XX/XX/2023 I tried to open a Business Checking Account. So I up loaded all my documents and information that was asked of me. So, XXXX XXXX  decided to deny me so I tried to call but could not by phone. So I proceeded by sending a email asking why and they could not give me a reason why I was denied. As a citizen I have a right to now why and would not provide that information to me. So that is why Iam doing this compliant.
Product: Vehicle loan or lease

Capital One Finance Auto Acct # XXXX XXXX balance Im using Fair Credit Reporting Act 15 USC 1692C stating If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication with I and credit bureau .
Product: Credit reporting or other personal consumer reports

This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} STATUS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : {$0.00} ACCOUNT # XXXX U.S. Bankruptcy Court BankruptcyXXXX XXXX XXXX 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 can not furnish an account without my written instruction 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

For the last 120 days Ive disputed these accounts and disputed with the furnisher all have failed to verify my identity or even respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote numerous letters to the creditBureaus to have this removed. 

As stated in previous letter I had only one account with fig loans of Texas ( 1 ) **Paid the account OFF FULL.

This account is not mine. My personal information and opened an account without my consent. I think I even made a payment on this loan. I had no idea about this loan. I have also stated that my information has been stolen. I have filed several reports and I would appreciate a prompt response to have this removed. Immediately please and THANK YOU!
Product: Debt collection

I am frustrated by your bureau 's failure to remove fraudulent accounts despite confirmation from associated banks of a system glitch and inaccuracies. The banks assured me of immediate removal. XXXX has promptly acted. Your bureau 's delay is causing distress, and I insist on immediate removal, as agreed upon with the banks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal Inc . Refusal to close my account. Stating technical issue. Closed PayPal credit account XX/XX/2022 until present and my account with PayPal is still active. Spent a total of over 10 hours on the phone with PayPal with them stating a different reason on several occasions as to why they refuse to close my account. Can not get a straight answer. Have an email from them stating they would close my account within 5 to 7 days ... .they account remains open.
Product: Mortgage

I would like to say that I have ben trying to get this fixed for years with no luck it is funny that we do n't have any one that will stand up for what is right. what I said was the truth no matter what JPMORGEN sais I did not lie it happened just like I said and it is a shame that the CFPB cant do a thing. but they do fine them millions of dalliers but the people that deserve there money back that was cheated out of it. i do n't no what they do with it it is millions they get where dos it go & & & & & & & & I was cheated out of my house I wont the money that I deserve and I will never have any thing to do with JPMORGEN CHASE and I will never say any thing good about them the way they lied about the hole thing I tried to work with them ask XXXX XXXX if she is not afraid she will tell you I cant get my house back but I would like to have the money back the truth is I could n't sleep at night if I did people the way they did
Product: Checking or savings account

I deposited a check ( {$4900.00} ) from XXXX XXXXXXXX XXXX XXXXXXXX from my new employer XXXX XXXXXXXX to be used to set up my home office to my checking account at Chase on Friday XX/XX/2022. Chase put a hold on the deposit until XXXX but actually released the funds to me on XXXX. With the funds available I sent out payments to 3 vendors in support of my office set up. On XXXX Chase reversed the deposit and stated the check was no good. When I contacted them to understand why the check funds were released early ( I did not ask for the funds to be expedited ) they did not give me an answer but did state that becasue the check was no good, I was responsible for the {$4900.00}. They stated I would have to contact the issuer of the check to resolve. 
Had they not released the funds, I would not have begun the vendor payment process. I would have also been able to stop the fraud that has occured.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, my federal Perkins loan ( a small, very low interest rate loan directly from my XXXX   school ) was transferred from the existing loan servicer, XXXX, to Heartland ECSI. I had been on auto-pay with XXXX for about five years, and simply didn't notice that the auto-payments had stopped, as they were very small. I got no notice of the transfer from XXXX to Heartland until XXXX of the next year, when I got a default notice from Heartland. Once I got the default notice, I called up Heartland, and they instructed me to file a forbearance request, back-dated to XXXX of XXXX ( which, presumably, was when the first payment to Heartland would have been due ). They said that this would resolve the late payment issue and any potential credit reporting. The only real consequence was that I would have to pay a bit more interest ( but the interest rate was very, very low, so I figured that was not a problem ). It sounded like they had this problem a lot, because the guy immediately knew what to do ( almost like he was reading from a script ) after I described the problem. They also set up auto-payment on their system on that first call. I sent in the forbearance request and thought the issue had been resolved. 

A month or two later I got another default notice. When I called Heartland, they denied ever receiving the forbearance request, and asked me to send it again. They again said that the forbearance request would eliminate the default and reverse any negative credit reports. I sent them the forbearance request, along with the fax confirmation sheet that proved they received it the first time, too. I've attached this document to this complaint. This time, the forbearance was granted and I stopped getting default notifications. Again I thought the issue had been resolved. 

In XXXX of XXXX, I refinanced my other student loans. My new lender asked me about these " late payments '' on the Perkins loan ( which I wasn't refinancing ), so I called Heartland again. They told me on the phone that the granting of the forbearance request should have resolved any late payment credit reporting issues, and entered a ticket to investigate why it had not. They also told me that my loan had been transferred yet again to a new loan servicer in XXXX, so I scrambled to set up payment with that loan servicer. I figured out later that Heartland had given the new loan servicer the wrong address, even after I had corrected my address with Heartland on two different occasions. Fortunately, I was able to set up payment with the new loan servicer in time to avoid yet more default notices. 

This year, I began applying for financing to purchase a home. My lender again asked me about " late payments '' on the Perkins loan that are somehow still reflected on my credit. Apparently Heartland never fixed its credit reporting issues, and my credit continues to incorrectly show late payments on the loan, despite three different Heartland representatives telling me on three different occasions that this issue had been resolved and that their credit reporting had been corrected.