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

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus ( transunion, XXXX, and XXXX ) to have my personal information corrected on numerous occasions. Yet this problem has not been solved. My name, address, date of birth, and employment history are all inaccurate. I also requested that the fraud alerts on all credit bureaus be removed serval times and it hasnt. This is a major issue being as though it has an old phone number on it which jeopardizes my credit profile.
Product: Credit card or prepaid card

Hello, I'm XXXX XXXX, i have an apple card from goldman sachs. My account has been restricted for no reason. I have been asking their support team for futher assistance. they all not giving proper response regarding the restriction. please help me with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXXDate of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX  XXXX XXXX Account numberXXXX, please investigate and provide proof with statements showings that payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting or other personal consumer reports

Asked company to show me some verification of items they are reporting on my credit report. For the past 7 years my credit report score never changes. It always stay at a certain credit score. I have tried to dispute numerous times. I have been working on repairing my credit for a while and I cant get these companies to remove inaccurate information. I have filed for identity theft and Im still not getting the results I requested
Product: Credit reporting or other personal consumer reports

I moved out of XXXX on XXXX on XX/XX/XXXX. They are trying to charge me for " damage repairs '' for this such as the paint on the light switches, scuffs on the wall that were already there when we moved in on XX/XX/XXXX, and other normal wear in the bathtub. I asked for an itemized receipt on XX/XX/XXXX for the XXXX {$37.00} charges for " heavy cleaning '' despite my sister and I having deep cleaned our room we were renting as well as the common space since our roommates did not. They did not reply to my request. We were also charged another cleaning fee because our roommates left stuff on their side of the unit, despite us telling the complex it wasn't ours. We were charged {$78.00} for " wall and ceiling paint '', {$50.00} for a cabinet repair when the cabinet was in tact once we moved out, and another charge of {$39.00} '' for " paint '', with no specification. They refused to provide us with the itemized receipt with descriptions for these alleged repairs that were just due to normal wear and tear. When I called, I was told that it was due to chipping on the light switch panel and scuff marks on the wall. The " cleaning '' we were being charged for was for a SYRUP BOTTLE and a box of XXXX XXXX that once again belonged to our ROOMMATES that were left on their side of the unit.There is absolutely no reason why I am being charged anything because my room I rented with my sister was left clean with no intentional or abnormal damage done.
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 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 XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX, has violated my rights. 

15 U S. C 1681 section 602 A States I have the right to privacy 15 US 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 litem of information other than records of convictions of crimes which antedates the 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating tc 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

EQUIFAX TOOK THE FAX OPTION AWAY AND ARE TELLING CONSUMERS TO ONLY MAIL THEIR FRAUD DISPUTES. THERE ARE FRAUDULENT CREDIT INQUIRIES ON MY CREDIT FILE THAT I AM DISPUTING AT THIS TIME. I AM ATTACHING ALL DOCUMENTS TO THIS FRAUD DISPUTE SO YOU CAN SEND IT TO THE MAILROOM SO THEY CAN PROCESS IT.
Product: Mortgage

I had a XXXX mortgage with Nationstar and I tried to get that loan modified, but was turned down because they said that I was current on my mortgage. I explained that I was running into terrible because I could not seem to rent this house out. I had been covering that loan along with the XXXX mortgage on that house with my savings, which was depleting. 

So I called to do a Deed-n-Lieu in XXXX 2015 and the representative that I was working with never contacted me. I would leave voice messages and he would never call me back. I would take days off from work to reach him, every now and then I would get lucky and he would pick up and immediately, he would say that he emailed me. I would hang up and check my email and it would be no email from him. 

Apparently, they gave the case to another representative who seemed to work diligently on the case. When I spoke with her towards the end of XXXX she received an email saying that, I had ran out of time and that the house had a sale date of XXXX XXXX. 2015. I asked, how could that be, if we were working on a deed n lieu. I asked, does it normally take this long to do a deed n lieu? She responded by saying, i 'm sorry. I have to close the case. 

Now the second lien holder has been calling me, asking me what 's going on with the loan. I keep telling them, that the house foreclosed. Also, I received a violation from the city of XXXX, va regarding the cutting of grass. 

I feel my case was n't handled property with the first representative and he sat on the case and then when they gave the case to someone else to handle it, it foreclosed and now i 'm stuck. Apparently, they did not sale the house after all, I think it 's in their REO department and Nationstar never contacted the XXXX lien holder which is XXXX.
Product: Student loan

I am the parent of XXXX XXXX XXXX. I agreed to pay off the balance of her loan to American Education Services. I wrote a check for the balance of the loan according to my daughter 's records. The check was sent registered mail # XXXX for {$41000.00}. The check was returned with the message that the check needed to be sent to another address, even though that is where she sent all her payments since the mid XX/XX/XXXX with out any delinquencies. I sent another check with the new address and a new balance. I sent the check on XX/XX/XXXX # XXXX so that it would arrive before their deadline of XX/XX/XXXX. so that more interest would not accrue. The check was never cashed and the representative at American Education Services said they never received the check. My daughter then proceeded to call AES. The manager there could not have been any more rude and uncooperative. I sent a third check by registered mail on XXXX which they would have to sign for. It never happened.
I do not think anyone can realize how frustrating it is when dealing with an organization who is completely inflexible in dealing with a simple matter of paying off a loan. Even more ridiculous is the fact that she has had to pay at a 8.9 % interest rate all these years without any relief when interest rates are at an all time low. And now they are adding interest money each day to the principle as long as they can drag it out. My hope is that you can help us resolve this problem. Thank you.
Product: Money transfer, virtual currency, or money service

PayPal has assisted a scammer in taking my money. This is the short version of my situation. 

The full version is this : I wanted to make a XXXX time donation to an XXXX that I met on social media. They were struggling with paying bills and I wanted to assist. In trying to contact them and get their PayPal information so I could send the money, a scammer account made a XXXX account almost completely identical to the XXXX and replied with a fake email used to scam people. Because I did not realize that this was not in fact a message from the actual XXXX, I sent the money to the scam account. 

Within an hour I realized the mistake that I'd made and immediately filed a dispute with PayPal in order to hold and cancel the payment, but they refused to act. Instead they told me to wait at least a MONTH in order for them to review the situation. I provided evidence of the scammer account and explained the situation to them, but they did not help. Instead I received an email today saying that they cleared the payment to the scammer. They have effectively assisted them in robbing me. 

I have attached the same images that I sent to PayPal in order to explain the scam. The first image is the user account of the person I wanted to help, and the second and third images are the scam message + scam account used to impersonate the XXXX and steal the donation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid in full to my credit report collections accounts, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, but still my account not updated showing as serious delinquent accounts on my credit report. 

I lost my current job due to covid 19, I have XXXX month old kid and XXXX year old kid, my current lease manager told me to vacate the current house by 30 th of this month, i am trying to find an apartment in Massachusetts, i am unable to find an apartment because my credit reports accounts still showing as collections so please delete them from credit report, so that I can find a home to keep my family safe during pandemic. 

We are from XXXX working here as XXXX, staying with families, please show some sympathy on hard working people. 

Please update my credit report so that i will get a home to keep my family safe. 

Thanks, XXXX
Product: Debt collection

I've tried to dispute this once they refused. I have no idea what this debt is from they say I had a car I believe just on the phone yesterday. I've told this company multiple times this isn't me and they still call and harass me for money I don't owe them. I've been treated unfairly for the last few years and over paid thousands in interest due to this account being in collections. 

Collection company is NCB MANAGMENT SERVICES I've never once accepted ownership of this debt always told them this wasnt my own doing and they still continue to leave this collection marketed against my credit report.
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP MONDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX XXXX FRAUD ACCOUNT OPEN IS XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I had paid this debt in full there should be no balance In applying for mortgage, it's data is reported that I'm XXXX  days past due. 

Previously, I had setup a special deferment agreed on after my last payment during pandemic. 

My family is relying on my ability to provide stable, affordable housing Now, I am unable to do that, because of this reporting data My credit is crashed because of this malinformation
Product: Credit reporting or other personal consumer reports

I have been going through a divorce and my ex-wife was not helping pay any bills. Because of this I ended up getting a XXXX  day late payment on a HELOC through America First Credit Union. I went to their bank and let them know what was going on in XXXX of 2024. They told me there was nothing they could do and that they needed the payment. 

A few days later I read about the skip a payment option and was able to do that for XXXX. In XXXX of 2024 I again went to the bank and let them know what the issue was and asked for help. I was told that the payment was due and they needed the money. I then received a XXXX  day late notice that was reported to the credit bureau. 

In XXXX of 2024 my divorce was finalized and I was finally able to pay everything current. 
Once my divorce was finalized I went back into America First and gave them a copy of the divorce decree. I asked for any kind of help to not have it report on my credit and they told me no. 

My divorce decree states I have XXXX  days to refinance the house out of my exes name and into mine otherwise I will be forced to sell. 

When talking with the mortgage lender they stated that due to the XXXX  day late my credit dropped around XXXX points and they also will not let you refinance, or get a new home loan with a XXXX  day late on your report. 

I have not missed a single payment and I have not been late with a single payment in my credit history besides this one. Because of this I have been contacting America First credit union and begging them to please remove the note to the credit report in good faith since this was due to an extenuating circumstance and it was paid current. 

I have also asked for them to send a letter to the credit bureau and to myself stating I have always been in good standing with my loans and the loan is current at the moment as well to see if that could help me at all and they refused to do that as well. 

America First has refused to do either of these things which is seemingly going to cost me my house. I am hoping that due to the situation America First could do this XXXX time courtesy letter and forgive the XXXX late payment I have ever had in order to help me keep my house. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, XXXX XXXX XXXX Acc # XXXX and Acc # XXXX XXXX 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 an open end consumer credit plan as late for any purpose.
Product: Debt collection

Requested multiple times by call and in writing to provide proof by sending an original copy of any contract singed by me stating that I owed any debt to NCA, LLC. for services I contracted them specifically to do on my requset or solicitation. No response has ever been received by me from NCA, LLC with this information. But they reported a collection debt to the 3 credit reporting agencies stating that I owe them a debt.
Product: Debt collection

A car was leased with this company at the time I done even believe a was of age or had a drivers license!
Product: Credit reporting or other personal consumer reports

Capital One is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. Capital One has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by 16 CFR 313.7 and 15 USC 6802. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with 3rd party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of 1974. This is a violation of my rights that are to be enforced by the CFPB.
Product: Checking or savings account

My card was compromised on XX/XX/XXXX for XXXX transactions for {$100.00} and {$100.00} this really put me in a whole I tried to dispute and order a new card then on XX/XX/XXXX my dispute was denied instead of investigating for 90 days they denied my dispute and I even sent supporting documents and contacted the merchant they investigated and said my card was compromised
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX  credit card, that's I did not authorize on my credit report that is showing negative inquiries!
Product: Checking or savings account

Unexplained Over draft Fees dating from XX/XX/XXXX- XX/XX/XXXX Ive called and asked multiple times for some type of explanation and I get told the same things an over draft fee
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, EQUIFAX, XXXX XXXX XXXX are reporting old impermissible addresses upon my consumer report that my data could be mailed to and possible Identity theft can occur Old Addresses that are impermissible and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX ILLINOIS XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ILLINOIS XXXX THIS ADDRESS IS NOT MINES NOR HAVE IT EVER LIVED AT IT AND I BELIEVE ALL OF THEM ARE SENDING/REPORTING MY PERSONAL DATA TO THIS ADDRESS FOR POSSIBLE IDENTITY THEFT ISSUES THAT MAY OR MAY HAVE OCCURED : XXXX XXXX XXXX XXXX XXXX IL XXXX, THIS ADDRESS NEEDS TO BE REMOVED COMPLETELY
Product: Credit card

On XXXX/XXXX/16 I reserved a hotel room for my adult nephew using my Chase Visa credit card. On XXXX/XXXX/16, my nephew arrived at the hotel and gave his credit card to pay the room and for the costs of any expenses incurred during his stay. I never authorized the Hotel ( XXXX XXXX XXXX XXXX ) to charge anything to my credit card as I was not the guest. I never signed filled out an authorization nor did I sign any credit card slip. I received my credit card statement last week from Chase and saw XXXX ( XXXX ) charges ( {$1300.00} and {$6.00} ). I called Chase to dispute the charges and Chase refused to accept my call as a dispute. While I was on the telephone with the Chase representative today, he put me on hold and purportedly called the hotel. Chase said the hotel was n't willing to reverse the charge and that I was responsible for the charge. I asked that the disputed charge be marked as disputed and held without interest accruing until I had an opportunity to speak with an attorney. The Chase representative stated that they would not mark the charges as " disputed '' and if I did not pay them, in fact interest would accrue. I normally pay my bill in full at the end of each month. I am outraged that I am not being afforded the time needed to dispute the charge without interest accruing. I never imagined using my credit card to reserve a room would also bind me to unlimited charges incurred by someone without my prior approval or authorization. I also never imagined that Chase would not afford me an opportunity to dispute the charges without interest accruing during the dispute period. I further was infuriated that Chase would n't even accept my telephone call complaint as a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed. 

As I understand, Federal reporting laws. especially the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable METRO 2 compliant information be reporting on my credit.

I do NOT authorize any derogatory. RETAIN or return to requisite METRO 2 compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.
Product: Mortgage

I bought our home in XX/XX/XXXX, Mortgage holder was XXXX XXXX XXXX XXXX  
Principal was {$110000.00}. 
It was eventually sold to BANK OF AMERICA. 

IN XX/XX/XXXX, I lost my job and filed for MODIFICATION, I was granted a Trail Period plan effective XX/XX/XXXX, the trail period plan indicates I was past due on my loan from XX/XX/XXXX through XX/XX/XXXX, which I probably was a month or two periodically behind on my loan. 

Another part of the MODIFICATION indicated the total amount due was {$32000.00} which included, delinquent principle, interest, escrow payments and late fees. 
Immediately below that statement it said, I experience a financial hardship and am unable to repay the past due amount and continue to make my current monthly mortgage payments of {$1100.00}. I was under the impression this amount would be forgiven, I signed the Documents and returned them to BANK OF AMERICA, once I realized they added this amount to my balance, and complained to them on many occasions, they sold my loan to XXXX XXXX XXXX  
I was desperate for a resolution to my Mortgage issues to save our home. 


XXXX XXXX XXXX