23daVinci/CFPB_Complaints huggingface dataset:
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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX  XXXX XXXX XXXX ] : account # XXXX. However, they stated everything was complete 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 suppose to modify accounts that isn't 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 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX have willfully failed to comply with any requirement imposed under this subchapter 15 USC 1681. I sent letters to the XX/XX/2022, letting them know that they have posted inaccurate information on my consumer report. 
Under the FCRA they have violated 15 USC 1681i. 

Please see attached letters that were sent
Product: Credit card

This organization was contacted back on XX/XX/XXXX and a formal settlement agreement was entered into ( which has been asked for several times and, each time, nothing but excuses is given ) Payments were made of {$82.00} on XX/XX/year>, {$30.00} on XX/XX/XXXX, and XXXX on XX/XX/XXXX. So as of the close of XXXX, {$140.00} out of XXXX was paid. 
Then {$90.00} was paid on XX/XX/XXXX and the final payment of {$57.00} was paid on XX/XX/XXXX and debited out of my XXXX account on XX/XX/XXXX. 

Now, this company sent a misleading communication dated XX/XX/XXXX stating the account was closed per my request, when in fact this account has been closed since XXXX per the financial organization. 
To make matters worse, I was advised that my payment is being hold on a float hold until XX/XX/XXXX when it cleared my account 20 days earlier ( which seems to be a fraudulent practice ) Then, to add insult to injury, i am still being charged interest. 

So, it seems this organization has no intention of honoring their side of the contractual obligation, and i am about ready to file a criminal complaint with the XXXX XXXX Atty General office as well as seeking legal remedies..
Product: Credit reporting or other personal consumer reports

Experian is reporting an incorrect balance on my student loans with XXXX. They are reporting I owe {$100000.00} between XXXX accounts. I owe XXXX {$78000.00} as of XX/XX/year>. I have disputed this multiple times with Experian. I have provided documentation and they refused to correct the errors.
Product: Debt collection

I was working with XXXX XXXX XXXX on a XXXX student loan debt. I asked if they would not contact me until after XXXX an calls still came at anytime almost everyday leaving a voicemail everyday. I spoke with a manager today day who said if I dont work worth them I will have a problem which is very threatening.
Product: Money transfer, virtual currency, or money service

My tuition payment for XXXX euros to XXXX XXXX XXXX in XXXX, XXXX was due at the beginning of XXXX. However, because of an internal auditing issue, the university asked me to send my tuition to their subsidiary bank, XXXX, in XXXX. XXXX XXXX and I complied by converting the amount to XXXX pesos and then sending the payment to the IBAN and SWIFT codes provided by the university. It has been a month and XXXX still claims they have not received the payment. XXXX XXXX placed a trace but the result was apparently inconclusive ; XXXX was not very transparent with their end of the trace. XXXX XXXX has since placed a recall of funds but we have not heard back in 2 weeks. At the same time, the university is threatening me for having an outstanding balance on my tuition. Who is liable for what? What can I do to fulfill my legal obligations?
Product: Debt collection

This debt was a result of identify theft and is NOT a valid debt owed by me. The collection is reported on my credit file with XXXX. I contacted the original creditor XXXX XXXX in XX/XX/2018 and the current debt collection company ( RentDebt Automated Collection ). My documentation supporting the dispute such as a police report, filing with the FTC, letter to the original creditor and ID, etc has been provided to the debt collection company and XXXX ; however, the collection company maintains the account status is valid debt and the collection remains on my XXXX credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX from LoanDepot is dishonest. We were rate shopping and spoke to XXXX at LoanDepot to see what rates he could get us. Other lenders just needed general information, income, debt, credit score and they could provide a quote. He says, " I'm going to do a soft credit pull. It won't affect your credit score. '' He didn't even ask my permission and I didn't give him permission. I didn't give him my information it must have pulled it from the information that had on me. We'll my credit score dropped and I got this thick package in the mail for a full XXXX application I never asked for.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Debt collection

XXXX is the amount they are requesting plus fees according to associates with this law firm for a debt purchased by XXXX and handled by this law firm. Prior to purchase XXXX did not properly notify me of debt being purchased from credit XXXX, nor provided any hardship plans or repayment plans other than demanding XXXX plus fees in lawsuit for old debt The timeline for notification of this debt is them opening a lawsuit in XXXX and me finding out by looking on the XXXX court website. They made no effort to inform or work with me.
Product: Credit reporting or other personal consumer reports

To my shock, I found wrong accounts on my credit report this morning, and Im at a loss for how this happened. I check my report as a routine, but this time, random discrepancies showed up. I even refreshed my browser to see if it was an error, but they stayed. Im asking for a full review of the documents Ive provided so I can be free of this concern for good.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inaccurate reporting of the XXXX account ( partial account number : XXXX ) on my credit report. The information reported by Equifax contains significant errors and inconsistencies, violating my rights under the Fair Credit Reporting Act ( FCRA ). I request the immediate removal of this account from my credit report. 

Identified Inconsistencies : XXXX. High Credit : - The account is inaccurately reported with a high credit value of {$0.00}, which is incorrect and does not reflect the actual account details. 

XXXX Credit Limit : - The reported credit limit is {$0.00}, which is inconsistent with accurate account information from other credit reporting agencies. 

XXXX. Payment History : - The payment history indicates significant delinquencies from XXXX to XX/XX/year>. These entries are inconsistent with previous records and can not be verified as accurate. 

XXXX. Date of Last Payment : - The reported date of last payment is listed as XX/XX/year>, which conflicts with the information maintained by other credit bureaus. 

FCRA Violations : 1. 15 U.S.C. 1681e ( b ) : Equifax is required to maintain reasonable procedures to ensure maximum possible accuracy of information. The errors in the reported high credit, credit limit, payment history, and last payment date demonstrate a failure to comply with this provision. 

XXXX. 15 U.S.C. 1681i ( a ) : This accounts history and values are incorrect, incomplete, and outdated. Despite these errors, Equifax has failed to correct the inaccuracies after previous disputes, violating its obligation to reinvestigate disputed information promptly and thoroughly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested in paril via certified mail to have fraud alert and personal consumer statemnts removed from equifax. 

XX/XX/2020 I received document stating that there is no fraud alert. ( ill attach document ) I pull my monthly report and its till there!!! XX/XX/2020
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 involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Continues to show up on my report even when removed. This is a 2013 account from XXXX  that they are trying to collect from.
Product: Debt collection

Radius has repeatedly posted items to my credit report although my insurance has paid the debt according to the claims of benefits that I receive and keep copies of however they immediately post derogatory collection notices on my credit reports although this is medical debt and by law should not have a negative affect on my credit report.
Product: Credit reporting or other personal consumer reports

Transunion credit bureau and XXXX XXXX. 

I contacted XXXX XXXX and informed them that I did not open an account with them. They informed me that the account was closed but I would have to contact the Transunion to have the account removed from my credit report. 

I contacted Transunion and filed a dispute to remove the fraudulent account. I shared I did not open a XXXX account and someone used my name/information. I asked that the account information be removed from my credit report. Transunion declined and stated the account is accurate. This is WRONG. I have never opened a XXXX account nor have a need for XXXX services. I am self employed and do not receive a paycheck, therefore, no need for advance money. 

In addition, it listed an old address from 2016 as a current address for the account, again fraudulent. 

Transunion 's finding are NOT accurate and the company is misleading and also listing fraudulent information on my credit report. I am reporting Transunion and would like the inaccurate information removed and Transunion disputed or reprimanded for providing false consumer information. Thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureau 's are reporting 2 DISMISSED bankruptcy 's on my public records which is hindering my good credit and score. I have contacted Equifax, to which they are clueless on how to remove, to which I've contacted XXXX XXXX who preformed a thorough investigation acknowledging both dismissed should be removed as theyare not derogatory records that belongs on my credit report. XXXX XXXX reached out to all 3 credit bureau 's to no avail of correspondence or a resolution. ( file attached ) I contacted the BK courts this morning ( XX/XX/2021 ) to which they advised, they do not report to the credit bureau, nor can they have anything removed. With the suggestion of " XXXX '' at FTC I was instructed to pull my credit and attach to this complaint. For some reason, TransUnion can located my name, address, social and send a text code verification, they are having technical difficulties verifying my account therefore they will mail my report within the next 15 days. I would appreciate it greatly if these 2 DISMISSED BK filings will be removed along with 2 incorrect address 's stated below. I have NEVER lived at either address as 1 is an Attorney 's home address and the 2nd is a mailing center which the attorney uses for mail. XXXX XXXX  XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, FL XXXX.
Product: Mortgage

Rocket Mortgage failed to make my insurance payment in XXXX of XXXX, resulting in a nonrenewal/cancellation of my Homeowners Policy. This went unnoticed by myself and them until I failed a claim in XX/XX/2021 with the insurance company. At that time after numerous calls to correct the problem Rocket Mortgage put in place a " Lender Placed Policy '' at the cost of $ XXXX and backdated it to XXXX of XXXX. The policy they replaced includes no coverage for any personal liability. After contacting both Rocket Mortgage and XXXX, the policy issuer I was told they would mirror the original policy. I have requested proof of coverage a number of times in both calls and emails but no written policy has been provided. XX/XX/XXXX of this year they debited my escrow account {$1100.00} for the coverage issued on XXXX XXXX. I obtained a new policy of my own in XXXX due to this high cost, so the policy was in effect approx. 30 days. Under Florida Statute 501.137 if a lender fails to make the payment from escrow, they are required to pay any costs incurred above the previously issued policy, for a period of 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a complaint to the CFPD, in regards to Transunion furnishing an inaccurate credit report. On XX/XX/2021, the company responded back saying they will update me within 60 days, by law the credit bureaus only have 30days to investigate. I did not receive any correspondence as of today regarding my complaint. I am requesting a Cease and Desist from this company other then mail or through the CFPD website. I also request an updated credit report, this can be sent with a link through the CFPD.
Product: Student loan

My daughter had a private loan with Chase and I am the cosigner.I never received a statement from them in the 4 years since she took it out. Last month I got a document from them showing the original load had increased by {$2000.00} due to interest. Had I received statements from them, I would have been paying the interest as I have done for the past years with the other private loan she took it out. When she logs into her account there is no information about the servicer or interest amounts.It only shows it is in deferment. The interest also seems excessive. The original loan was {$600.00} and now it has increase to almost {$8000.00} in a few short years.
Product: Credit card

I received a notification from XXXX stating I changed my address, while over looking things on my XXXX credit report online, I noticed a charge on my XXXX card for {$270.00} dollars, I paid XXXX off in XXXX of 2023 and have not used this card since I paid it off. I went online to look at my XXXX statement and notice the address was changed to XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. The same address that appeared on my Credit report. I called XXXX talked to someone in the fraud unit and informed them that I did not change my address nor have I used that card since it was paid off last year, they said they were going to investigate it. I filed a dispute with the main credit bureaus, XXXX informed me that XXXX is ststing everything is correct, I still live at the same address XXXX XXXX XXXX XXXX XXXX CA XXXX I am in the process of buying a house that's why the card was paid off and I wasn't using it
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX - XXXX : # XXXX, XXXXDEPT OF ED : # XXXX, XXXX/DEPT OF ED : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX  ) : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) XXXX # XXXXXXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Debt collection

A lady had told me that I owed a debt to a bank at XXXX XXXX and it was charged off in 2015 which is not true we. Currently have a bank account with XXXX XXXX and at paying the debt to a different creditor this person is also telling me that they will hold and cease some funds and other banking and threatened that she will turn me into some kind of check systems and other forms of threatening me to pay them directly in not contact. The original creditor which I have and none of this is matching up.
Product: Credit reporting or other personal consumer reports

On the report I have with Transunion, XXXX, and XXXX they're saying I have XXXX late payments which I should not have because I was on the phone with XXXX XXXX to confirm that payments went through and to make sure the late payments wouldn't affect me, Well now I'm trying to get out of a bad apartment complex is affecting my wellbeing and this false information these bureaus are effecting me horrendously and I not sure where they're getting their information as a lot if it is false, identity theft fraud or not even mine I have noticed this more and more and trying to take care of it y disputes and being patient as I know its not a quick process but since it's affecting to live into a place away from where I was robbed 4 times, XXXX XXXX and over XXXX, XXXX worth of XXXX belongings I need out o this place they do respect and discriminate me as I was on hardship at the beginning of two years and the manager retaliate against me. That being said it's essential that these companies report correct information that is damaging a law-abiding citizen and should have these payments remarked paid in time just like how these companies make up what they want by suspensions should be handled quickly and repetitive damage should be taken place.
Product: Debt collection

I received a voicemail today, XX/XX/2021 from XXXX with the Office of XXXX XXXX XXXX and ASG Solutions. Stating that there is a legal matter filed against me, per Federal Law. Further advising they have contacted the DMV and my local jurisdiction of XXXX XXXX County. I was also advised by my step father that he received a call from the same personal today, stating there is a legal matter filed against me, per Federal Law. Also advising they have contacted the DMV and local jurisdiction.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted an identity theft block request under FCRA 605B regarding XXXX XXXX XXXX  ' unauthorized credit reporting. The credit bureau violated 605B by failing to block this information within the required 4 business days. I have filed an identity theft report with the FTC documenting this unauthorized use of my identity. 

XXXX XXXX XXXX created obligations and credit reporting without my permission or authorization. I never had any business relationship with them. Their continued reporting violates my rights under FCRA 605B. I request immediate investigation and removal of this unauthorized reporting.
Product: Money transfer, virtual currency, or money service

As of Sunday, XX/XX/XXXX, I was not able to log into the Venmo app anymore, on any device ( browser or app ). I can not access my funds, which I happen to need for upcoming transactions in the next couple days. 

It was very difficult to get into contact with the company, and once I was able to, they were not able to provide a resolution or estimated timeline, except for " keep trying ... our engineers are working on it. It should be fixed soon ''
Product: Debt collection

" I, XXXX XXXX, am writing to express my concern about the actions of PORTFOLIO RECOVERY. It has come to my attention that the company has been illegally reporting on my account, and I am requesting that all communication regarding this matter ceases immediately. I do not give PORTFOLIO RECOVERY permission to communicate with me regarding any alleged debts, as stipulated in 15 U.S.C. 1692c ( a ). The negative reporting on my credit report is defamation of character, and I have the right to seek actual damages according to 15 U.S.C. 1692k ( a ) ( 1 ). This negative reporting has caused me to be unable to secure a new car, and I believe that PORTFOLIO RECOVERY is engaging in extortion by reporting on my credit for this alleged debt. I am requesting that PORTFOLIO RECOVERY remove its reporting on my credit immediately, or I will fully exercise my rights as a federally protected consumer and seek legal remedies. I will be sending a letter via certified mail to confirm this request. To avoid any misunderstandings, I have included references to the relevant laws for your convenience. I hope that this matter can be resolved quickly and amicably. ''