23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

During the time of XXXX and XXXX of 2023 I had XXXX XXXX and was out of action for awhile. I ended up being late on my student loan for those two months. 
Im trying to refinance my house but I need a higher credit score, and its the loan that Aspire is servicing that is holding me up. 
In XXXX of 2023, I got caught up with the student loan and have been current ever since. 
I called Aspire Servicing to see if they would work with me in having those late payments removed, but they said they do not do goodwill adjustments to the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

When I bought this car it was only $ XXXX I am way passed that amount I have paid off and they are still charging me way over pass that limit. Ive asked for proper documentation they even keep hitting my credit report. Please delete this off of my credit report I Paid this car loan already this is fraudulent what they are doing. I have paid it and they are still charging me I did not authorize for this company to continue to charge me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED OVER A MONTH AGO THE ITEMS LISTED, CREDIT BUREAUS HAVE VIOLATED MY CONSUMER RIGHTS BY NOT RESPONDING NOR LET ME KNOW THEY RECIEVED MY DISPUTES WITHIN 30 DAYS
Product: Payday loan, title loan, or personal loan

When I applied for a loan with Navy Federal in XXXX of 2020 I was first denied because of DTI. When I called they re-considered and approved the loan. My credit score was over XXXX. When they approved me it was at 18 %. I really feel like this was excessive based on my credit score. Since then I have paid over {$1500.00} in interest. I think this rate was very high based on my score.
Product: Mortgage

I have owned my home for 10 years and have XXXX mortgage liens with Bank of America. Due to financial hardship, loss of equity in my property, and loan fully amortizing, I have reached out to Bank of America for assistance as I can no longer afford my payments on my mortgage loans and do not want to loose my property or tarnish my credit. On XXXX I contacted Bank of America to inquire about my options, she said I would have to speak with the loan modification department. Bank of America 's customer relationship manager stated that because my property was located in California that I could have someone contact me within 14 days to discuss further. She set an appointment for XXXX/XXXX/15 at XXXX and I never received a call. XXXX I called Bank of America at XXXX asked why I did not receive a call and there are no notes in my file to why. The lady proceeded to begin the review process, took my financial information and stated I qualify for loss mitigation assistance and a customer relationship manager should be in contact by phone in 5-7 business days. As of XXXX/XXXX/15 I have not received a phone call from Bank of America. I called a third time and spoke with XXXX XXXX, customer relationship manager. He stated on XXXX my telephone number had been requested to be removed and someone update my number to XXXX, this is concerning as I never removed my number and now someone has my personal information and is capable of updating my mortgage information. Per XXXX he updated my phone number accordingly and furthermore gave me my XXXX name and set up a meeting for XXXX/XXXX/15 at XXXX, I verbally approved to be contacted prior to XXXX as I work from 8-5pm and can not take personal calls. XXXX also stated that he emailed the customer relationship manager and their manager about the appointment. XXXX by XXXX I have not received a call. I am a homeowner who has made on time payments for 10 years, I am seeking assistance and at a loss what to do as I have tried multiple times to contact my lender and Bank of America has made little effort and empty commitments. I am very concerned that my credit is going to be affected due to Bank of America 's inability to communicate and follow through.
Product: Credit reporting 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 XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 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 a 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 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 are several collections that don't belong to me and late payments that are not factual there is a XXXX doc attached that details each item in question that I tried verifying 2 months ago and called to follow up but the said they never received my disputes. I feel like I have been lied to
Product: Mortgage

My mortgage was sold to SPS Select Portfolio Servicing ( SPS ), from XXXX. XXXX did alot of unscrupulous things to make my mortgage look more appealing to sell, and give a picture of higher return on the sale of the packages of loans they sold to SPS. Like applying flood insurance to my mortgage, and my mortgage went up by almost {$1500.00}. So I filed a complaint with the Federal Reserve ( Atch A ).  When SPS got my mortgage, they saw that I wasn't in a flood plain, and made all the corrected changes, and my mortgage when down to where is was suppose to be. However, by that time, I was over charged by {$9400.00}. SPS sent me a check for {$5300.00}, which was way under what they should have sent me. In response to me filing a complaint with the Federal Reserve ( case # XXXX ), XXXX responded, that they made a " mistake '', and they sent {$1600.00}, to SPS, and I should get the {$1600.00}, from SPS. So when I got my 1098 from SPS, it shows on the 1098 as FHA/MIP, which is fraud because I do not have a FHA loan, and so I don't have FHA MIP. Even before the 1098, every correspondence shows the {$1600.00}. It is my believe that SPS got this money and either wasn't give an explanation for it, or didn't know what it was for and just fraudulently claimed it to be FHA/MIP. Even if I did have a loan that had MIP or PMI, that is not what those funds were for. Therefore, today I called SPS to get my funds and they refused to give them to me, and the person I spoke to would only give me his first name and extension number, and refuse to give me his employee number. I have not missed a payment even though struggling with the almost {$1500.00}, increase imposed by XXXX and carried on by SPS until they finally sent me the for {$5300.00}. I have to admit, I have been late on several occasions but never 30 days of more. One document they have the {$1600.00}, as partial payment, ( of which I have NEVER made a partial payment ), and now on my 1098, it's FHA MIP ( Atch B ). I feel that I have been treated very unfairly, and want my money back. I stated in one of your earlier questions that my loan is conventional. I started out with a Conventional loan, and when the mortgage market crashed in XXXX XXXX time frame, I we almost lost our home, and had to get a modification. This is when our mortgage was with XXXX. So I am not sure how that works for a modification. Please help me to recover my funds. I am attaching several docs that I have from both the Federal reserve and SPS. See Attachments A, B, C
Product: Credit reporting or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VT XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, VT XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - REPORTED XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX THIS NOTICE SHOULD NOT BE ON MY CREDIT REPORT ; ATTACHED IS MY SSN GIVEN BY THE GOVERNEMNT The issue date of the Social Security number that you gave us when you contacted us is not verified by the Social Security Administration. 





Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
Several accounts were previously disputed but have since been verified or reinstated on my credit report without proper investigation. I believe these actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 5 ) ( B ).

Under FCRA Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information to determine its accuracy. Furthermore, under Section XXXX ( a ) ( XXXX ) ( B ), any information that can not be verified after a proper investigation must be deleted or corrected. The accounts in question were reinstated without me being provided evidence of their verification, and no substantive investigation appears to have been conducted. 

According to the Consumer Financial Protection Bureau ( CFPB ), several credit reporting agencies, including Equifax, have been penalized in the past for failing to comply with these FCRA requirements. Specifically, the CFPB has taken action against agencies that rely on automated processes rather than thorough investigations, thereby neglecting their obligations under the law. These violations undermine consumer rights and lead to inaccurate credit reporting. 

This practice also violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Eqifax is also required to send a payout at all consumers theyve violated. 
Heres the accounts in violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I have a lease with Mercedes Benz Financial Services that is set to expire on XX/XX/2022. I want to purchase the vehicle for the amount listed in my lease agreement. Around XX/XX/XXXX, I called XXXX, who indicated I could not perform the buyout directly with them and that I would need to contact my local dealer. I preferred to just arrange financing on my own for the buyout amount, since I did not lease the car locally. I contacted a company called XXXX who arranged the new loan for the buyout amount. XXXX  provided the buyout amount with taxes and fees to XXXX. I entered into a loan agreement with XXXX XXXX  for the full purchase amount on XX/XX/XXXX and completed the required paperwork. XXXX end sent a check for the buyout amount to XXXX  and all required transfer paperwork. XXXX  cashed this check on XX/XX/XXXX and posted the payment to my account with them. They also reported my lease trade as paid to the credit bureaus. On XX/XX/XXXX, I received a call from XXXX  indicating that Kansas is a non-sellable state and that I was prohibited from using a third party to arrange my lease buyout. They indicated that they would be refunding the check they had cashed and that I would be responsible for additional lease payments since that wouldn't happen before the lease expired. XXXX  has yet to issue that refund as of XX/XX/XXXX. I call them and they indicate that they refund is 'waiting on an approval ' and that it is imminent. In the interim, I'm paying for a new loan on the vehicle. There is no clause in my original lease agreement with XXXX  indicating that Kansas is a 'non-sellable state ' and that I must arrange the buyout with my local dealer. Mercedes Benz Financial is being abusive and unfair in its practices here. They are not providing clear direction on how to perform a lease buy-out and are not issuing a refund in a timely manner at all ( not that I agree one is necessary and that they can't accept this third party payment ). It is completely unacceptable to put me in this situation where their policies are not clear and I now have unbelievable stress and am completely unable to resolve the situation. Their lack of a timely refund is the sole reason I have missed the deadline on the lease termination. If they are unable to accept such third party payments, they should not be disclosing my personal information to such a third party to facility that payment in the first place. Given they did disclose the buyout amount to the third party ( XXXX ), and then CASHED the check they received, it is completely unfair to then suggest that this is a practice that is somehow prohibited. I want a refund for any interest I've paid on my new car loan to date and a fast resolution to this issue. As far as I'm concerned, I've paid XXXX  the amounts they are due in our lease agreement to buyout the vehicle and they are holding my title transfer XXXX in an attempt to extort an additional lease payment from me. Completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest Recovery Systems opened a collections account on my credit reports on XXXX XXXX, 2017. The only reason I know this is because I have a XXXX XXXX account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then Midwest Recovery has come along to make this achievement short-lived. The original creditor listed is XXXX XXXX. There is an issue with this listing. I tried to XXXX XXXX XXXX and found NOTHING. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I recieved no documentation of this alleged debt. I have no contractual agreement with Midwest. I ca n't any information about this false debt. This fraudulent charge is hurting my credit report.
Product: Credit reporting or other personal consumer reports

I have settled XXXX buy now pay later accounts and it shows paid and closed on my credit report however, the company is refusing to remove it from my report and the account was improperly coded.
Product: Credit reporting or other personal consumer reports

Recently I saw a XXXX XXXX on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. XXXX
Product: Debt collection

Midland Funding sued me in court. They could not provide verification of debt, so it was dismissed in court. They will not remove it from my credit report. They continue to lie to XXXX saying that the court documentation is not for that account. Even though it is. XXXX removed with no issues. When calling them, they state they will not remove it because they still consider it collectible, even though it is past the statute of limitations, and they already lost in court. I have been denied credit, and have a high APR on open credit due to this.
Product: Student loan

I contact the ED education department about my student loan and they told me that it was a XXXX balance and I don't owe them anything but why is it still on my credit report, and the 3 credit bureaus won't take it off
Product: Payday loan, title loan, personal loan, or advance loan

Acima is absolutely horrendous and fraudulent. You can't even try to pay the amount you borrowed before the 90 days because they can't be reached by phone, email, the app or the website to pay. It literally will not work or gives you the run around or even disconnects you. They charge multiple small amts of different amts then say you didn't pay the right thing and charge you fees. They even said I authorized a verbal payment! When I finally reached someone after 1 chat and 3 calls, they said the " retailer '' ( XXXX XXXX XXXX ) made the unauthorized charge!! They have so many complaints at the XXXX yet still have an A+ rating????

What started this today is : I received an email saying that I VERBALLY authorized XXXX XXXX XXXX XXXX {$4.00} to be taken out. That comes to around XXXX which I never verbally authorized anything. The amount that was taken out was {$74.00}. I tried to reach them over and over. The person by chat told me to call XXXX which gives you options for different situations but you press an option and it literally goes to no one. I was hung up on, held 28 minutes then was hung up on, then called XXXX and XXXX and they text you with a link which the link goes to an expired page. I finally spoke with someone and was told it was verbally authorized by me for NSF charges. Then another person told me a supervisor said it was taken out by the store. I have spent 2+ hrs today simply trying to get my money back.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES ON MY TRANSUNION, XXXX CONSUMER REPORT I HAVE UPLOADED MY FTC REPORT UNDER OATH THIS IS A CLEAR VIOLATION OF THE FCRA 15 USC 1681a. ( 2 )
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Equifax, XXXX, XXXX : I am writing to you because I am concerned about the accuracy and honesty of your company 's data. According to FCRA section 611, it is important that we have accurate records on file with those who rely on them most- including not just customers, but also potential lenders or employers. After doing some research into Metro 2 compliance standards, I have found that there may be some inaccuracies in reporting going forward if these issues are not promptly resolved. I would love any feedback possible before taking action against you later down this road together. The inaccuracies that are currently on my report are having a serious negative impact on my quality of life. The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate. I am demanding accurate documentation so you can document me- the person who deserves status in society- correctly. Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.