23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A debt for XXXX XXXX was put into my name but the got sent to a debt collector ( Penn Credit Corp ). I  called to get the debt off of my credit report. My mother called the company and set up a payment plan by putting it in her name. The bill is still on my credit and Ive filed a dispute with XXXX  and Penn Credit Corp has still not taken the debt off of my credit so my Credit score continues to go down even though the bill is in my mothers name.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Failure to Provide Information Pursuant to Fair Credit Reporting Act Dear Sir/Madam, I am writing to file a formal complaint against the three credit reporting agencies ( Equifax, XXXX, and XXXX ) for their failure to provide me with or respond to my request as per my written notice dated XX/XX/year>. I believe this action violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I sent a written request to each of the credit reporting agencies mentioned above requesting specific information related to my credit report, as allowed under the FCRA. However, to date, I have not received any response or acknowledgment of my request from any of the credit reporting agencies. 

This failure to respond is not only a violation of my rights under the FCRA but also hinders my ability to review and verify the accuracy of the information being reported about me. As a consumer, I am entitled to access this information and ensure that it is correct and up to date. 

I am invoking my rights under the FCRA and requesting that the credit reporting agencies promptly provide me with the requested information. Additionally, I request an investigation into why my initial request was not acknowledged or responded to within the required timeframe. 

Please find the details of my original request enclosed with this letter for your reference. I kindly ask for your immediate attention to this matter and a timely resolution in accordance with the FCRA. 

Thank you for your prompt action in this regard. I look forward to your response within the statutory timeframe. 


Enclosures : 1. Copy of original written notice dated XX/XX/year> 2. Any relevant documentation or correspondence related to this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I really need your help this time, please. Experian is been reporting a credit card from   XXXX   XXXX    XXXX   XXXX   XXXX   that they are reporting late and which is not true. This credit card was stolen since two and a half years ago and I called  XXXX  and they never sent me the card nor did   XXXX   XXXX   XXXX   as well sent me the card as well. So I have been without this card for almost a year and I have made payments and this card should not be in my credit profile it is fraudulent and an injustice in the part of Experian and   XXXX   XXXX   XXXX   XXXX  .
I am going to attach a screen shot for you guys to see my credit score from all  XXXX  bureaus and you will see that Experian is the only one reporting this account and also the only one with a ridiculous score of  XXXX  which is so inaccurate.
I am trying to own my first home and right now Experian is putting my life and my children 's life in jeopardy. We have enough veterans that are homeless because of reason of such from this credit bureaus, I fought for my country and right now I am  XXXX  and   XXXX   XXXX   and without a home and I do n't think that it is fair for this company to keep on reporting inaccurate information to ruin my credit file and put a barrier right now for me on owning my first home.
Product: Payday loan, title loan, personal loan, or advance loan

SST has been drafting money out of our banking account for 8 months for a loan that was closed over 15 months ago in XX/XX/XXXX. Apparently, XXXX XXXX sold a closed loan to SST, and SST then started collecting payment on this closed loan. However, both XXXX XXXX and SST reported it as closed ( see attached files ) so there is no reason the money should have ever been drafted from our account by SST. 

This loan originated with XXXX XXXX in XX/XX/XXXX and the last payment was made in XX/XX/XXXX, when the loan was closed with a XXXX balance ( no late payments ). SST needs to refund us in the amount of {$2400.00} ( XXXX installments of {$300.00} ) for the money that was drafted.
Product: Debt collection

Received a letter in the mail from ERC saying I owed {$47.00} to XXXX XXXX XXXX XXXX XXXX for a previous account. My payments to XXXX XXXX XXXX are withdrawn from my account monthly and are paid in full. Called ERC and got a foreign representative who kept asking me for my credit card to pay the amount and it would be reduced if I gave it to him. I refused and called XXXX XXXX XXXX to find out about it and they had no record of any amount owed and never sent anything over to ERC for collection and advised us to no pay. This is obviously a scam and needs to be reported.
Product: Mortgage

I have been working with Valon Mortgage to have the PMI removed from my mortgage. During this process, they have repeatedly misrepresented services, given assurances that have cost me money, and failed to provide any sort of meaningful support or processing expedience. When you are servicing a XXXX XXXX dollar investment, it is imperative that statements around financial matters to clients are both accurate and concise. While I understand the CFPB does not service customer service complaints, Valon has repeatedly made improper recommendations, given false assurances, and failed to follow through on what they are required to do as a mortgage servicer. 

On XX/XX/XXXX, a Valon rep stated that " regarding your PMI appraisal, not a problem. That does sound like a pretty massive undertaking so as long as it shows up in an appraisal, we can definitely move forward and proceed ''. Unfortunately, this was not the truth. We can't even get to a place where an appraisal can be scheduled. 

On XX/XX/XXXX Valon stated via email that Converting to a smart home could be considered a substantial improvement. So on that advice, I went out and bought/installed what has now come to over {$500.00} of smart home equipment. Smart thermostat, locks, doorbell w/ camera, and security system to run it all. But then on XX/XX/XXXX they said that we believe strongly that those items would not have changed the determination and have refused to submit them for approval. To make a suggestion that costs clients money and then back away once the client has made the investment is both repulsive and unethical. 

Finally, on XX/XX/XXXX Valon emailed to say that they proceeded to order your Property Valuation as of XX/XX/XXXX. Which was great. I was very excited. But then XXXX minutes later, they responded to say that wasnt actually the case. They should not be telling clients that their processes are moving forward when they are not. That is misleading and sloppy.
Product: Checking or savings account

XX/XX/2021 I, XXXX XXXX, meet with Bank Representative, XXXX XXXX at Manufacturers and Traders Trust Bank, XXXX NY to discuss the compromise of my checking accounts. 

She creates new account numbers and files for new bank cards. Within days, I receive the cards and within two weeks my car is broken in to and my new banking information -- which was left in my briefcase elsewhere -- was sitting on the front seat of my car. I reported this to the XXXX NY Police Department ( other items were removed from the car including clothing, pruning shears, etc. ). 

Now that I have received the new checks, my car was again broken in to and my new check book was removed from the car. At this time, both accounts are compromised. 

Also, I was traveling at this time ( between NY and NJ ) and when I arrived at the M+T bank in NJ, I was asked by the bank representative when the last time was that I used the checking account. She stated that my account was used just prior to my arrival at the bank ( a debit of {$.00} from XXXX XXXX ). The XXXX XXXX account -- which is not mine -- had my mother 's maiden name in it and the owner as XXXX XXXX. XXXX XXXX is a person of interest in two cases that were opened in XXXX XXXX, CA ( where I was drugged from XX/XX/XXXX-XX/XX/XXXX ). He has since been stalking me and I have not been able to receive help from any authority with this issue. 

The banking issue is certainly one of concern since I now must return to the bank and have them reissue new bank cards and checking account numbers.
Product: Credit reporting or other personal consumer reports

I have hard inquiries that I dont recognize that Ive been trying to get help with for some time
Product: Debt collection

I have called them to dispute the date listed on the debt. It is listed as XX/XX/XXXX when the account was closed in XX/XX/XXXX. Each time I call them to dispute this amount and force them to confirm they own the debt by providing the original bill they hang up on me instantly. This has happened mutilple times and becasue they refuse to provide documentation I want this amount removed from my credit report and for an investigation to begin into the company.
Product: Checking or savings account

On XX/XX/XXXX - 2020 I took a money order received for a truck I'm trying to sale ( I still have the truck ) to navy federal that I bank with. They didn't tell me that I had to sign the back of it ( it's very rear I deal with a check so I really on bankers to tell me what I need to do with the check ) and they made the funds available Tuesday XXXX the XXXX. The money was in my account on Thursday the XXXX. On XX/XX/XXXX I tried to pay my bills and there's no money there so I called the bank and they told me that the check is fictitious. I told them if the check is not real then why did they tell me the check is good and made the funds available and where's my VA XXXX check at. They said that they didn't know at the time I took the check to them the check was not good and because they pulled all the money out they used by VA XXXX check ( {$1800.00} ) to cover some of they debt. I think it took a week and a half for them to tell me that my check is a protected check and they can't legally withhold it from me. So I drew out {$400.00} to pay my bill. About a week later I wanted to pull out {$160.00} and they told me that I'm to far in the debt so I can't access my VA XXXX check. I told them that they told me that it's a protected check and they even told me that they have to make it available to me. They still won't fix the issues they caused and won't release my check.
Product: Credit reporting or other personal consumer reports

I received email notification from XXXX XXXX about hard inquires. I did not apply for any credit on XX/XX/XXXX nor XX/XX/XXXX. I verified that my credit had a freeze on it. I noticed my credit score was affected by the hard inquires. XXXX said they did not see any hard inquires, I was unable to speak to an agent at XXXX, and XXXX informed me my next steps. I was informed to first make a cover letter requesting the hard inquires are removed from my account. Secondly, to send a copy of my photo ID. Last, and most importantly to submit this identity theft report via the federal trade commission. Im going to mail all these documents to XXXX XXXX XXXX XXXXXXXX, PA XXXX. 
I was also informed the phone number associated with the hard inquires is ( XXXX ) XXXX. That is not my cell phone number and I have no idea who the number belongs to. My cell number is ( XXXX ) XXXX. 
My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, XXXX MD XXXX and my email address is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your company 's investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 61, provide the names and business addresses of each individual with whom you verified the account with. Please send me an updated copy of my consumer report after your re-investigation.
Product: Credit card

This was a Sears card, now Shop Your Way. I made {$150.00} payment XX/XX/2023 and it withdrew from my account XX/XX/2023. 
Dates : XX/XX/2023 made {$150.00} payment by phone. Cleared bank XX/XX/XXXX. 
XX/XX/XXXX I got a late notice. I called and spoke to XXXX, then XXXX about missing payment. Set up case and made payment to bring account current. 
Letter from them dated XX/XX/2023 opening the case. I mailed them a copy of the bank statement and transaction as proof. 
XX/XX/XXXX I spoke to XXXX and he said payment was found and should reflect by XXXX statement. I would also get refunded late fee and interest. 
XXXX XXXX I got statement and payment was not on it. I called and XXXX said there was no {$150.00} payment, but case had been closed. She said she would request it be re-opened. She could not say why I got wrong information on last call to them. 
At this point I am frustrated and request your assistance.
Product: Student loan

Complaint against Federal Loan Servicing for debt forgiveness. It has been XXXX months since they have been reviewing my payments for forgivenss. I just got off the phone with XXXX at Loan Servicing and she said it can take at least XXXX years for payments to be reviewed. That is insane! What kind of agency is it ok to take so long to review payment history?
Product: Debt collection

On XX/XX/XXXX There was a notification letter sent to my daddy 's address which I used to stay at back in XXXX & XXXX and I don't have any recommendations of owing a bill to this XXXX XXXX  because at the time I was staying there I was signed up in college taking online classes so ( ICU ) XXXX XXXX XXXX, and also I had it transferred from my old address XXXX XXXX XXXX XXXX XXXX, NC XXXX to my daddy 's address which is XXXX XXXX  XXXX XXXX XXXX NC XXXX. And I wasn't aware of and money 's that's was owed because I never received a bill of any kind what so ever. Plus I was getting government assistance paying my Internet bill and when I move out from my daddy 's I called them and told them to disconnect my Internet, so I don't feel like XXXX trying to get money out of me for no apparent reason, and this is the second time this has happened. And they never send me a bill it's always a notification of collections and I'm sick and tired of it. So if you guys can't handle this situation then I will talk to someone who can handle this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am sending you this message in hopes you can assist me with a problem I am having with XXXX XXXX regarding the payoff of my auto loan. I was due for the XXXX XXXX car payment. On XXXX XXXX XXXX XXXX XXXX  sent me an email advising me to pay {$350.00} no later than XX/XX/XXXX to avoid a 30day late to the credit bureau. 

I paid my car loan off on XX/XX/XXXX XXXX balance. On the same date XXXX XXXX XXXX XXXX reported a XXXX late to my credit bureaus. 

I am in the middle of a real estate transaction and the XXXX late cause a XXXX drop in my credit score. I called the Customer Service Department of XXXX and was spoken to with the utmost disrpect, from XXXX. He advised me there is a system issue which reports the status of the account at point of payoff and that is why it was reported 30 days late and it would not be removed. t be removed. 


My concern is, the email I received on XXXX XXXX XXXX allowed me until XXXX XXXX XXXX to make the XX/XX/XXXX payment of {$350.00} this email did not ask for two car payments The email dated XXXX XXXX XXXX cleary asked for one payment to be made before XXXX XXXX XXXX to avoid a 30day late. I made a complete car loan payoff before XXXX XXXX XXXX, why is a car payoff treated any differently with XXXX. I completed a payoff before XXXX XXXX XXXX well before XXXX XXXX XXXX there should be no 30day late period ... .. whether payment or payoff.. 

I want this corrected immediately as its only fair, based on the email I recived from XXXX on XXXX XXXX XXXX. Please have someone call me immediately XXXX XXXX XXXX to discuss this matter. I will take legal action against XXXX if this is not corrected with all three major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 mt written instructions.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s-2 ( b ) DUTIES OF FURNISHERS OF INFORMATION UPON NOTICE OF DISPUTE ( 1 ) In General After receiving notice to pursuant section 1681i ( a ) ( 2 ) of this title ( B ) REPORTING INFORMATION AFTER NOTICE AND CONFIRMATION OF ERRORS 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.

( 2 ) DUTY TO CORRECT AND UPDATE INFORMATION ( A ) A person who regularly and in the course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide the agency any corrections to that information, that is necessary to make the information provided by the person to the agency complete or accurate.
Product: Prepaid card

On XXXX I used the CashApp card to book a hotel at XXXX XXXX XXXX  XXXX XXXX The hotel issued an authorization for {$100.00}. On XX/XX/year>, I checked out of the hotel and the hotel provided a receipt signifying they had released the authorization. Per CashApp documented policy, they will expedite the release the authorization on the Cash.App card if the customer provides a zero-balance receipt. I provided this information to Cash.App on Sunday and they eventually agreed to release the authorization. However, I extended my stay on XXXX. Cash.App has refused to released the authorization according to their stated policy which I will attach this complaint. It has been over seven days since the first charge was initiated. The hotel has confirmed that the have released the authorization on their end. Cash.App continues to hold on to the funds and direct conflict with their documented policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have exhausted myself at all levels trying to get an inaccurate collections off my credit that is causing me denials for loans. To start, I have only 2 open student loans with, XXXX XXXX. However, I have to complaints that needs to be addressed ; First, XXXX which does not have possession of my loan is still being reported in a derogatory manner and the same loan is now with XXXX too. Creditors are seeing a total of 4 loans when there is only 2 because they have different account numbers. 
I request that XXXX remove the negative information thats being reported because again my loans are with XXXX and in good standings and not due until XXXX 2018. 

Second issue is that XXXX XXXX have a status on my report that says, Student loan assigned to government which my lenders views as a negative situation where as Im in financial trouble with the government and this is so misleading. I want that comment removed and my account showing current as it should.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ALL IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received calls from Oracle Group LLC employee XXXX XXXX on both my work phone # and my work cell phone. I have asked him repeatedly to NOT call me at work on either telephone number. But yesterday and today I have received calls on both lines. In addition he left a voice mail at my work at XXXX PST stating he would like free medical advice and then said But XXXX you like getting things for free. I will be contacting your employer. This is inappropriate and unacceptable.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am filing a complaint against Experian. After a careful review of my credit report it has come to my attention that there are several inaccurate listings contained in my credit report. The information for these Accounts appears to be incorrect, and I am requesting that you investigate the matter in accordance with the FCRA, Section 1681i. The law requires that consumer reporting agencies investigate disputes within 30 days of receipt of this notice, and that they delete or correct any information that is found to be inaccurate or unverifiable as soon as possible. 

Account Name/Issuer : XXXX XXXX XXXX XXXX / Account Number : XXXX Account Name/Issuer : XXXX XXXX XXXX/ Account Number XXXX XXXX Account Name/Issuer : XXXX XXXX  / Account Number : XXXX Account Name/Issuer : XXXX XXXX XXXX XXXX  / Account Number : XXXX Account Name/Issuer : XXXX  / Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have filed an identity theft report concerning fraudulent accounts that continue to appear on my credit report. I have already notified Experian that these accounts are the result of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$1900.00}
Product: Credit reporting 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 the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX Balance : {$0.00} XXXX 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 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX