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

A company called Performance SLC LLC called me claiming to want to help me be forgiven of my student loans with the " obama student forgiveness program ''. They claimed they would consolidate my loan and after 3 yrs I would be forgiven of the remainder. They have my social security number ( but I refused to give my bank account info which they were pressing very hard for ). I looked up the company and realized it was a scam. I am worried they will use my social for fraudulent behavior under my name. They are calling and preying on people who are struggling with debt. I sent them an email stating they had did not have permission to use my info for anything but Im not sure what else to do.
Product: Credit reporting or other personal consumer reports

I am writing this letter with a sense of XXXX and XXXX that anyone in my situation would understandably feel. I have provided concrete evidence in the form of an XXXX, so I am utterly dismayed by your bureau 's unexpected and unjust denial of my identity theft claims. I was the victim, and I am baffled as to why the credit reporting agency is not adhering to the law, especially when the other bureaus have done so. I am particularly confused as to why this particular bureau seems to be ignoring my requests. Let 's be clear : your decision to dismiss my legitimate claims is not only XXXX but also a grave injustice. I have XXXX greatly from identity theft, and the XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX has been immeasurable. I demand that you immediately correct this injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not just a failure of duty especially when the banks have already approved of removing the accounts from my file, but a disregard for the XXXX  I have XXXX and XXXX have already removed these accounts from their records due to an identified error. I am confused about how you have verified it while the other bureaus have removed it. Please delete these from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the Fair Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I saw this debt collection was on my credit report. I called the collection company they have no knowledge of this debt. They tried to find me in there system using Name, DOB, address, the company that the debt was with, and SSN nothing showed up. So I was told I didn't have a collection debt with them and to dispute it with the credit company XXXX. I disputed it and it still on my credit!
Product: Debt collection

On XX/XX/2021, Southwest Collection Services added two derogatory marks on my credit report per XXXX XXXX. Upon, further research, these accounts was transferred/ sold and I am no longer responsible for these accounts. Southwest Collection Services did not verify these collections. Also, there was NO written form of communication, contract, or signature for these accused debts at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Southwest Collection Services has violated my rights as a consumer and Im requesting legal action to remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to formally request verification and removal of inaccurate late payment information appearing on my credit report. 

The accounts in question are as follows : Creditor Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reported Late Payment Date : XX/XX/2019 XXXX
Product: Credit card

I purchased a computer with an Apple credit card via Goldman Sachs. I have repeatedly tried to make payments, and escalated the issue with their customer service dept. They have repeatedly told me they can not take my payment information. They are now charging me late fees and penalty interest despite them saying they can't take my payment info. 

I have tried at least a half dozen times over the last three months to get this issue resolved. I have called them repeatedly to get this resolved. Each time they have said they can't take my payment info and request I use another account other than my primary account with my credit union. I do not have any other bank accounts. 

I went to my credit union to get advice from them on how to handle this, to get Goldman to take my payment info, and my credit union said I should give Goldman my XXXX number. Goldman says they won't take my XXXX number. 

I believe that they are deliberately obstructing my attempts to pay because I do my banking with a credit union, and to exploit this issue to increase the amount I have to pay for the computer I bought using their card via Apple. 

I want the CFPB to intervene and set this right, and to fine or penalize Goldman in any way possible for their bad-faith bargaining. Again, I believe they are deliberately obstructing my attempts to make a payment so they can charge me additional fees and interest on my purchase.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received an email from Venmo alerting me that my account was suspended for undefined suspicious activity with a request to submit a photo ID and change my account password for security. I promptly, within 10 minutes, complied with the requests. When I received an email it stated that it would take 7-10 business days for me account to be reviewed. During this period, they froze the funds in my account ( approx {$400.00} ) and I had no access to them, even just to transfer out to my connected bank account. Again, with no explanation as to why. I contacted Venmo multiple times via their chat option and was unable to obtain any information or access any of my funds. The agents were generally unhelpful. I can provide chat transcripts if necessary. On XX/XX/year> I received an email from agent XXXX XXXX letting me know that my info had been received and that there was more information required, she did not tell me what information to complete the review before my funds would be unfrozen. She told me that she was passing my case to another team and they would reach out, she did not tell me what team. I responded to the email on XX/XX/year> asking what the additional info was and what the team was. She did not respond. I sent another response to the email on XX/XX/year> asking the same questions, as well as reiterating the fact that I have currently been provided no info of why the account is frozen, no info of what information they need to unfreeze the account and no information of what team I should be speaking with the have the situation resolved. I have been cooperative with what they have asked ( photo ID and change of password ) and I have received absolutely zero info of anything at all. I finally received a response on XX/XX/year>, again from agent XXXX XXXX ( not another or different team ) with a copy and paste form letter stating that my account has been permanently deactivated, my funds will inexplicably be held for 180 days and stating that they will not divulge why this has happened. I want access to the funds in that account, because they are my funds and there has been absolutely zero explanation from Venmo as to why they are being held for an extended period of time ( or at all to begin with. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of reviewing my consumer reports and noticed many inquiries not authorized or do not recognize. 
This includes : XXXX XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion 15 U.S. Code 1681e - Compliance procedures states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please investigate and provide proof that the consumer reporting agencies were in compliance with this matter. Please delete from the consumer report for violating compliance procedures. 
Thank you in handling this matter.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2022 {$900.00} Account paid in full and still reporting as delinquent
Product: Credit reporting

I filed disputes with all XXXX credit agencies XX/XX/XXXX, with Ally Financial that was reporting that I was past due XXXX, and I have missed several payments. This was deleted on my credit reports and was reinserted. Not only was I not notified but this lack of communication is key when I filed a complaint and requested an updated credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00}
Product: Debt collection

My husband began receiving back to back calls from Global Credit Solutions in XXXX of 2019. When finally answering I was told I owed XXXX I immediately told the gentleman I would not pay because I have been scammed and that I wanted it in writing. He very disrespectfully replied I should pay my bills, and he used a lot of profanity. They began aggressively calling back to back. On XX/XX/2019 they called back to back a few times and after finally answering I told them not to call anymore. They replied that They was going to call until I paid. I attempted to resolve the debt and offered to send a check in two weeks when I get paid, but they  wouldnt give me the address. I called back and the recorders woman on the phone said the company was called XXXX XXXX XXXX and In every conversation I had with someone they was rude, disrespectful, wouldnt let me speak. My husband was called names, we was threatened to be sued, they stated they would send someone to our house, they stated they would call the police, I was told to pay my bills, and my husband was even called a XXXX   XXXX. My mother was headed home and was stopped by our neighbors who said they called them and gave them all my information about the debt and more. They know how much and who I owe. Which is completely illegal. I spoke with XXXX, XXXX, who told me to continue to suffer from them calling everyone, a XXXX who said he would continue to call even after I asked for them not to and asked for the email to send them my written request to not call, and a XXXX XXXX XXXX ID she said was # XXXX, who started yelling at me randomly. These are the names that have been giving to me although I do believe they are not their real names.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carrington Mortgage has placed my mortgage account in credit as 1 month behind.

My account in a COVUD-19 forbearance plan and I also requested to do a COVID-19 Loss Mitigation Program with Carrington Mortgage. As of XX/XX/XXXX nothing has been process completed. But they forward my account to the Credit Bureau as being late with payments. This is the program I was told that my loan could be placed under. 
My loan is a VA Loan which I purchased my home in XXXX. Always on time until COVID-19 cause me to not have job. Please help COVID-19 Refund Modification is a consent from the VA for us to modify your guaranteed loan and the VA purchases a portion of your indebtedness from us. The indebtedness is then secured as a junior lien in favor of VA. VAs junior lien does not accrue interest ; does not require monthly payments ; and only becomes due when the property is sold, the guaranteed loan is paid off, or the guaranteed loan is refinanced, whichever occurs first. This option can allow for significant reductions in your monthly payments, increasing the likelihood that you will enjoy lasting homeownership. It is like the COVID-VAPCP in that VA can purchase indebtedness up to 30 percent of your unpaid principal balance ( UPB ) .The COVID-19 Refund Modification is not a stand-alone option. Instead, VA provides a partial loan refund alongside a the loan modification of the terms of your mortgage loan which targets a minimum payment reduction of 20 %; starting with deferring all arrearages, a potential term extension up to 120 months beyond original maturity date ; and potentially deferring more principal to allow for a payment reduction. You have missed at least one payment covered by a COVID-19 forbearance ; your guaranteed loan was current or less than 120 days past due as of XX/XX/XXXX, or the guaranteed loan was made on or after XX/XX/XXXX ; and you occupy, as your residence, the property securing the guaranteed loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB : ALL IM SAYING IS IF THERE'S CLEARLY INACCURATE DATES BETWEEN XXXX BUREAUS, INACCURATE AMOUNTS, INACCURATE DISPUTE STATUS WHY ARE THEY REPORTING IT!!! FOR ALL I KNOW BEING A REPORTER THEY NEED TO HAVE THEIR SOURCES ACCURATE BEFORE THEY FURNISH MY CREDIT REPORT OTHER PEOPLE... ON WHICH I NEVER AGREED IN WRITING THAT THEY CAN DO SO!!! 


i write here everyday... believe me im annoyed too... i just want to hold the XXXX bureaus accountable for false report ... or better yet FAKE NEWS!!
Product: Mortgage

1 ) Received A " Committment Letter '' for refinance of existing mortgage from Ditechz XXXX Loans on XXXX 2 ) Committment Letter contained the foillowing terms : a ) Discount points/Origination credits : 0.3750 % b ) Commitment Expiration Date XXXX 3 ) On or around XXXX XXXX XXXX, a Ditech representative who acted as my loan processor and provide me instructions on the paperwork flow and signing instructions sent an : Adversary Letter via email saying my loan was denied because I did not meet the conditions. 


4 ) On or around XXXX XXXX XXXX, Ditech manager called me via phone and after hearing my complaint against XXXX XXXX, stated she was in need of additional training, the Adversary Letter would be withdrawn and I would be assigned a new loan processor. 

5 ) A new loan processor was never assigned to me or contacted me from XXXX up until today XXXX. 

6 ) Numerous attempts to reach Ditech about my loan documents via email to XXXX XXXX, XXXX who is listed as the contact person for my loan has been unresponsive. 

Ditech Mortgage Loan contact phone rings constantly with no pick up and when their is a pickup, the line goes straight to busy signature.

7 ) On XXXX discovered on-line at Ditech XXXX there was several closing documents to complete my financing waiting for my signature on XXXX, XXXX, XXXX, and XXXX. 

Each document penalize me for not signing the documents by increasing the points from its XXXX XXXX 0.3750 % to a ) XXXX - 1.850 % b ) XXXX - 0.975 % c ) XXXX - 2.150 %
Product: Debt collection

On XX/XX/11 @ XXXXXXXX XXXX XXXX XXXX XXXX called from phone number XXXX and stated that he ( XXXX XXXX ) was from Central Portfolio Control. XXXX XXXX stated that his " client '', XXXX XXXX, was trying to collect a debt. When I asked if they ( Central Portfolio Control ) had bought the debt, XXXX XXXX stated " no ''. Once I pointed out that 15 USC 1692 ( a ) Communication with the consumer generally states " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ''. XXXX XXXX then gets erratic and says " What do you plan to do about it ''. When I tell XXXX XXXX again that he ( XXXX XXXX ) is not allowed to contact me since they ( Central Portfolio Control ) are not the ones who I owe the original debt to. XXXX XXXX then begins to say " Do you need me to tell you for a third XXXX time ''. I proceeded to tell him to not contact me again and he hung up.
Product: Credit reporting or other personal consumer reports

These accounts are reporting late as reported in my XXXX Credit bureaus. These accounts should not be showing the current status of XXXX and 60 days late since its already been paid for. It seems impossible to accrue late on an accounts that hae already been paid. Please report the payment status positive and update all late from reporting on these accounts. XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX
Product: Student loan

I have a private student loan with citibankfor approximately XXXX I filed bankruptcy in XXXX XXXX. From XXXX XXXX to XXXX XXXX Citibank could not contact me due the bankruptcy procedure. I received a letter in XX/XX/XXXX saying I owed the full amount. Prior to the stopping of communication due to my bankruptcy I was in deferment. When I spoke to Citibank when they contacted me by phone I said I was in deferment prior and wanted to know what could be done to get either back on or work with payments. They said I needed the payment in full which was XXXX, I was unemployed from XXXX XXXX until XXXX XXXX, I was receiving less than XXXX a month in unemployment which ended 2 months prior to me receiving my current job which is part time making about the same. Citibank refuses to work with me, they say I will be in default, I am 134 days past due as of XX/XX/XXXX, I was under the impression default is 270 days past due. I am not financially able to make a XXXX payment and they offered to take XXXX which is more than XXXX % of my current pay. I am not trying to not pay, I just would like to either be able to do a deferment or forbearance or make a lower monthly payment.
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems is falsely reporting information about an alleged debt I was never notified about and is past the Statute of Limitations to report or collect on. They are falsifying information, on my credit report, in an attempt to make the alleged debt look like a new account/collections thus causing continued damage to my credit score. 

According to the information Jefferson Capital reported on my credit file they are trying to collect on an alleged debt originating in XXXX. The alleged original delinquency date is seven years old! 

However, Jefferson Capital is reporting this alleged debt as a new account on my credit reports by claiming I opened an account with them in XXXX of XXXX, despite the original delinquency date saying XXXX. I have no account with this company, I never opened an account with this company and I have never agreed to anything with this company. Attempting to make it look as though this is a new debt/collection account, by posting a false start date, is an illegal action by Jefferson Capital Systems . 

According to Florida State law, this alleged debt is also well past any Statute of Limitations for collecting. As per to the Fair Credit Reporting Act ( FCRA ) the time allowed for credit reporting of this type of alleged debt is seven years. ( Per Section 605 ( A ) # 4 and # 5 of the FCRA ). That time is up! 

This is an attempt by Jefferson Capital to keep the alleged negative collection on my credit report past their legal right to do so. I have also never had the opportunity to dispute this alleged debt because Jefferson Capital Systems has never sent me anything about it. 

I want all accounts, collections, line items, etc, removed by Jefferson Capital Systems from each of my credit reports immediately and permanently. I want all collection activity towards me to stop from Jefferson Capital Systems immediately as their claims against me are false and I dispute them 100 %.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has made 12 unauthorized inquiries on my credit report report over the past several years,
Product: Credit card or prepaid card

On XX/XX/XXXX I was booking a flight on XXXX. When I went to pay a screen popped up offering me a American Express Delta rewards card. This card would entitle me to XXXX miles and a {$300.00} statement credit if I spent {$1000.00} in the first three months. Being that this trip I was booking was an expensive one, I decided to take advantage of the offer and cut down on my costs. I went through all the screens and was immediately approved. A couple of months have gone by and I noticed no bonus to my account. I reached out to American Express on XX/XX/XXXX to inquire. They told me that I did not qualify because I had already had a card with a bonus back in XXXX. I was never informed of this when applying. If I had been informed, I never would have continued as I already use a rewards visa through XXXX. The representative offered to open a case for me XXXX and today I checked on that case. It seems that Amex is unwilling to correct this. That is why I am turning to you. Like I said earlier, what sense would it make for me to open another rewards credit line without the rewards? Please look into this and make this right.
Product: Credit reporting or other personal consumer reports

PLEASE DELEE THE FOLLOWING ACCOUNTS XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX