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

This is not a joke, XXXX XXXX has used my dispute against me and is trying to shake me down for money, and has now doubled my balance owed in just one month and now is reporting late payments every month. Back in XX/XX/XXXX, I contacted XXXX XXXX to let them know about their reporting issues on my personal credit reports was inaccurate- and they said they would investigate ; but instead they contacted the credit bureaus and told them I owed DOUBLE the original amount!!, and that I needed to pay or " handle this matter '' ASAP!! This really happened and I can't imagine how many laws were broken in trying to shake me down. XXXX XXXX is now reporting a balance of {$6600.00} on a loan they state I personally received in 2011 for {$3400.00}. I couldn't believe it so I reached out further, and their ( XXXX ) only answer was to state that they sent me an " identify theft package '' to help me. XXXX is the one who is using my identity incorrectly!
Product: Credit reporting

I had cable service with XXXX ( XXXX ) in XXXX XXXX and moved to XXXX, XXXX. Prior to moving XXXX policy states that all invoices must be paid before having service anywhere else. Paid and established new service in XXXX XXXX. Checking credit report, I found that there was an alleged unpaid invoice with XXXX. Since I was in the process of purchasing a new home, XXXX ( another credit reporting company ) advised me of it. XXXX acted as a mediator and got XXXX and Diversified Consulting Inc - the collections company on the line. XXXX admits that there IS NO WAY THAT I CAN CURRENTLY HAVE OR START SERVICE WITH AN OUTSTANDING INVOICE. This was removed from my credit report with XXXX. The collection company - Diversified Consulting Inc. refuses to indicate as paid - even though current XXXX reps state I would not be able to start or have new service if I had an outstanding bill. This caused major problems when I was purchasing my new home. A conference call was made with XXXX as the mediator and XXXX Rep and Diversified Consulting Inc. Rep. XXXX readily admits that I could not start or have new service with an outstanding invoice. The Diversified Consulting REp is argumentive and refuses to listen to what the XXXX rep is telling him. Call is terminated due to getting no where with this representative and him refusing to get a supervisor on line. Diversified Consultant states it does not matter he makes the final decision
Product: Checking or savings account

This is a very old and unclaimed POD COD. Wells Fargo was the last known holder after acquiring the issuing bank ( XXXX XXXX ) Nobody seems to care about my thousands of missing dollars. Wells Fargo is a joke. It would take a simple time investment to scroll through microfiche archive 's to determine the movements of my COD. I have, thus far, contacted the FDIC, Comptrollers office of CA, Oregon State Treasury, CFPB and am ready to pursue a NAUPA claim with or without the help of an attorney. My funds are unclaimed and I intend to claim them if someone would set their ego aside, earn their paycheck and follow the written fiduciary laws. It would be greatly appreciated if someone would, without needing to be encouraged with litigation, do the right steps necessary for providing the digital trail of what happened to these funds after the Wells Fargo acquisition in XXXX. My unwavering promise to you is that I will not go away, give up or be blown off by corporate entities. I will be a loud nuisance until these funds are found and dispersed. 
Sincerely, XXXX XXXX XXXX ( formerly XXXX ) Beneficiary in waiting
Product: Debt collection

The debt is not mine and I would like it to be removed. It is impacting my life in a negative way. The name on the account is not my name and it is spelled incorrectly.
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 Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 XXXX XXXX  credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

In multiple efforts of disputing my credit file with Experian Reporting Agency... I was meet with road blocks ... - long phone holds .... Waiting times ... Once I got hold of a rep. I was denied my right to dispute. 

I requested a manger and was told that they would denie me the right to dispute as well .... eventually i was placed back into a waiting que. I never obtained a manger to help. 

Experian only allows consumers to dispute via : For security reasons, we can not process your dispute online. Please contact us below. 
Our Experian Dispute Specialists are available to assist you. When calling, use Report XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contact us : ( XXXX ) XXXX I've made a number of attempts, most recently being today... 

Please Help! they refuse to dispute anything.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of Equifax data breach. I want these items deleted from my credit report effective immedi ately. I am attaching proof that Equifax has admitted that I was a victim of the Equifax data Breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report. 

XXXX XXXX Account # : XXXX
Product: Student loan

While looking at my history, I noticed I was charged XXXX on XXXX/XXXX/XXXX for a Repayment Fee. I have never heard of such a thing. I believe this to be an illegal fee, snuck into my loans that I 've been paying interest on. I believe Navient owes me back interest as well as this fee. 

Further more, I have been charged disbursement fees, which I also have n't heard of. They were : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I question the legality and validity of these fees.
Product: Debt collection

I filed a CFPB compliant case number # XXXX against XXXX XXXX XXXX XXXX and they responded partially to my complaint on XX/XX/18, which they did inform me that they are preparing to send me the validation of the alleged debt, however I requested that lawsuit against me to cease and I also request for no one to come out to home to discussed this matter, however they did not respond to neither request or give any details. They only stated that One Main Financial is suing me for the alleged debt. And again I am requesting the lawsuit be dropped by both XXXX XXXX and One Main Financial.
Product: Credit reporting or other personal consumer reports

Under the FCRA provisions below I did not receive any in regards to this law in the mail Under 1637 ( b ) of the F.C.R.A. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than 21 days before the payment due date. I am requesting valid proof of this being done.

I am formally asking for you to delete these items in the letter attached for non compliance Or I will pursue litigation for not being complaint on the previous dispute
Product: Vehicle loan or lease

Car is a buy here, pay here loan place. The car loan was placed on a car that had immediate problems with the transmission, radiators, overheating, almost as soon as I bought the car. They place a lien on my credit even though I paid off, I entered in to an agreement that I was unaware of the terms especially with early terminantion.
Product: Credit reporting or other personal consumer reports

I've received a current credit report. Soon after evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under a147.2K open end consumer credit plan as late for any purpose.
Product: Mortgage

I have as they call it Hazard insurance and always have my XXXX XXXX covers it. 
Freedom mortgage is forcing me to take there insurance. Ive repeatedly sent proof. All I get is the run around. Ive contacted there insurance department and was told it would be cancelled to call back the following Monday to confirm I called Tuesday that was XX/XX/2024 then I received a then I went on there app to see what exactly was the charges and they charged me again these were XXXX {$700.00} payments in XXXX my mortgage went up {$200.00} and XXXX it will be an extra {$400.00} they say its because of an escrow shortage but they created the shortage I have repeatedly called sentsecured messages and get no where today I received a letter saying that I tried to cancel my escrow I never did that all I want is for them to remove there insurance and put my mortgage where its supposed to be I have insurance and proof thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve my issue with XXXX MASTERCARD in XX/XX/XXXX/XX/XX/XXXX when I disputed the way XXXX increased their interest rate from 2.99 % to 32 % +. I was unsuccessful on every level during this time of trying to communicate with them, as they would not talk to me. During this time ( XX/XX/XXXX ) I was not aware of XXXX 's problems with the FDIC. I soon found out there was a Class Action Law Suit against them and XXXX filed for Bankruptcy sometime during the XX/XX/XXXX/XX/XX/XXXXtime frame I believe. I'm not certain of the actual filing date of their BKRPTCY. 

I was working hard at paying this debt off in XX/XX/XXXX/XX/XX/XXXX, as I reduced my balance from {$8000.00} +/- to {$2500.00} +/-.  During this time as I continued to reduce the total owed, I became more irritated that XXXX or a rep would not contact me to discuss my issues. I figured I would stop making payments in XXXX  until someone called me to discuss. That's when XXXX closed my account ( XX/XX/XXXX ). I have attached a couple Statements from XX/XX/XXXX/XX/XX/XXXX where it is printed on the front of the STATEMENT this account is closed. Based on closing my account XX/XX/XXXX due to late payments, this would start the 7 year clock ticking at my first late payment leading up to my delinquency. ( Based on XXXX  's explanation of the most common problem in credit reporting is late or missed payments ), I tend to agree and this occurred on my account mid XX/XX/XXXX. 

Based on these facts ... ..the XXXX  Negative Report has been on my Credit file now for 10 years 6 months & 2 weeks.

I'm asking for the XXXX  File be removed from my Credit File entirely.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CAPITAL ONE BANK USAwas not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Money transfer, virtual currency, or money service

On XX/XX/scrub> 2022, my refund was declined after I reported a fraud account/transaction via Cash app.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THIS IS MY 2ND REQUEST... TRANSUNION : Creditor : XXXX XXXX XXXX Acct # XXXX Creditor : XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX XXXX : Creditor : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XXXX XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : US BKPT CT XXXX  XXXX XXXX  Ref # XXXX XXXX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX  Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX  XXXX Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness and negatively impacted my credit score, violating these provisions.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The late payment reporting errors in my case suggest that this obligation was not met. 
New Evidence of Error TransUnion : The account inaccurately reports a 30-day late payment in XX/XX/year> and a 60-day late payment in XX/XX/year>. However, the account was on autopay, and no payments were missed. 
Pattern of Inaccuracies The continued reporting of late payments across TransUnion, XXXX, and XXXX shows a persistent pattern of errors. These late payments have been inaccurately reported despite my account being on autopay and having no missed payments. 
Request for Immediate Correction I am formally requesting that the inaccurate late payment notations be removed from my credit report immediately. The entries must be updated to reflect my true payment history, which is 100 % on time. Should this issue remain unresolved, I will escalate my complaint further, including pursuing legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your immediate attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

I was on PHH Mortgage website making a payment & at the bottom it stated " HAVING TROUBLE PAYING YOUR MORTGAGE? You may be eligible for a mortgage assistance program that helps reduce your payment. Learn More about your options or get started at our Homeowner Assistance partner 's website. '' Things were getting a little tight for me so I applied for financial assistance with PHH Mortgage Services back in XX/XX/XXXX. I was finally approved in XX/XX/XXXX with trial period payments for 4 months ending in XX/XX/XXXX. I made my payments faithfully but when my trial period was up, XXXX was not done with the final modification. I continued to make payments as I was told until the modification agreement was final. I received the final modification agreement in XX/XX/XXXX which included a balloon payment of {$17000.00}, {$41000.00} principal payment & an extended term of 480 months. That was more than I started with the original loan. I kindly declined the modification agreement terms on XX/XX/XXXX & asked could they refinance with different terms. But my trial period was over & it too late to try & find another mortgage company so in the meantime my credit was ruined. PHH Mortgage services called me demanding {$2000.00} of delinquent payments that I was behind on. I mailed {$660.00} check on XX/XX/XXXX & was told by the agent that they would not accept that payment. I couldn't afford to send them a payment of {$2000.00}. That was the reason why I contacted them in the first place was for financial assistance, not knowing I would destroy my credit & by me declining the offer ; didn't give me time to apply anywhere else. Each time they call, they are constantly saying I missed a payment, which I had not because my payments were automatically drafted before I entered the trial loan modification agreement. I paid faithfully for 15 years, on time payments. My credit score was XXXX at the time & now it has plummeted with a negative impact on my credit history. Not once did they inform me that if I decline the offer, that they would demand full payment nor was it indicated on the modification agreement. FAST FORWARD TO NOW : I was subsequently sent a notice with intent to foreclose. I had to contact my retirement company for a hardship withdrawal to pay the arrearage which was {$3300.00} which I paid on XX/XX/XXXX. My credit score suffered & I can not find another mortgage company to refinance due to my low credit score. Also I received a letter in the mail that XXXX would take over servicing for PHH Mortgage of my loan starting XX/XX/XXXX. This complaint is so the next person could be completely aware & informed when they enter a trial period with this company with intent to modify, that it would definitely ruin there credit & any means of refinancing if they are not in agreement with the modification terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get this info corrected plenty times before- XXXX XXXX XXXX is fraudulently reporting a XXXX XXXX account on my credit for {$510.00}. This account is not mine and should not be on my TransUnion report at all. I have never had any account with this company nor have I ever resided at the address they associate this account with. Please correct this info.
Product: Credit card

I sent a letter to my credit card companies asking for them please to decrease the interest rates as they had gone up so high in the last XXXX years. This company said they could not. Citi Bank had given me a XXXX XXXX interest rate which I had in 2021. Now, my credit rate is XXXX XXXX! XXXX  XXXX XXXX rate went from XXXX to XXXX XXXX. XXXX went from XXXX to XXXX XXXX. XXXX went from XXXX to XXXX XXXX. So you can see Citi Bank is a bit out of control compared to the other companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son went to the XXXX XXXX XXXX XXXX sometime this year. The hospital been sending him a bills saying that he owes them {$240.00}. After not getting a response from my son about this debt, they then sent it to the collection company XXXX XXXX XXXX to see if they could collect the money owed. XXXX XXXX XXXX did not contacted me about this debt to see whether it belongs to me or my son because we have the same name. Instead the went ahead and place this debt on both of our credit report. I contacted the collection agency to let them know that I did not owe this money and that the debt belongs to my son. I  also contacted the hospital about the debt and they also stated that this debt does not belong to me and that I should contact the collection agency again. I have contacted the collection agency 5 time already to see if we can resolve this issue.The collection agency states that they have already notify the all three credit reporting agency to have this item remove from my credit profile. XXXX and XXXX removed the item but Equifax will not remove the item and insisted that the item belongs to me. I have repeatedly disputed this item but Equifax still say that the item belongs to me. I even try to get the collection agency on the phone with Equifax, but the representative from Equifax say she ca n't speak to third parties and will not take the information from the representative from collection agency with the control number showing that they already send the request back in XXXX XXXX to have this Item remove.I have also asked XXXX XXXX XXXX to send me a letter stating that this item belong to my son and that they have request removal of this item, but i did not get that request full fill. I again contact the billing department at the hospital and they stated that they will have the collection agency send me a letter showing that they corrected the mistake, still no letter. I did not go to the hospital and I do n't owe them the {$240.00} that is placed on my report. I need this Item remove from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and I noticed the student loan that is reporting as a collection when I was not aware it was a collection. On XXXX it is reporting positive. I would like this account corrected because its hurting my score and my financial situation. It also is against the law to report inaccurate information. I was never notified about a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email alert that a fraud alert had been placed on my file XX/XX/2018. I called today XX/XX/18 to inquire as to why this alert was placed. After research, I was advised by the representative that the information had been received from one of the other bureaus and that is why it was placed. I contacted both XXXX and XXXX and neither of those even have an alert on my file.The representative removed the alert at my request however, I find it unconscionable that this company is able to do as they please with my credit file, lie about it with no repercussions.