23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Ive repeatedly requested purchaser agreement from this Collection agency and to this day they have not provided me with it
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently conducted a thorough review of my credit report, and I was deeply disturbed to find several unverifiable, invalidated, inaccurate, and questionable items reported by your organization. These errors are not only unacceptable but have also caused me significant distress. Under 15 U.S. Code 1681e ( b ), your agency is required to follow reasonable procedures to ensure the maximum possible accuracy of the information you report. Additionally, 15 U.S. Code 1681i ( 5 ) mandates that if any disputed information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or corrected. Therefore, if you can not provide verifiable proof of the following items within 15 days, you are required by law to remove them from my credit report immediately. 

Disputed Items : XXXX XXXX XXXX XXXX XXXX - Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately! 

XXXX XXXX - XXXX - Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately! 

XXXX XXXX XXXX XXXXXXXX - Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately! 

XXXX XXXX XXXX - XX/XX/2022 - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE!
Product: Credit reporting or other personal consumer reports

I disputed an account with TransUnion about inconsistencies regarding an account on my credit report with TransUnion and XXXX. The reporting account details differ significantly between the XXXX agencies, including variations in account type, payment status, and inconsistent dates. The reported date of last payment also varies between agencies TransUnion : The account is reported as " Collection/Chargeoff, '' suggesting different stages of delinquency or debt resolution that do not align with the true status of the account. 

XXXX : Reports the account status as " OK '' consistently, which contradicts TransUnion 's derogatory status.

TransUnion insist that the accounts information is verified as accurate.
Product: Debt collection

I am writing to dispute the inaccurate reporting of late payments on my credit report related to the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have contacted these banks and they have acknowledged the lack of documentation supporting the reported late payments. They have agreed over the phone to update my credit file, confirming that the accounts in question reflect a positive review, are closed, or have never been late.
Product: Credit reporting or other personal consumer reports

I looked at my report on XXXX and noticed my personal information was inaccurate and incorrect. Ive reached out several time trying to Rectify this information. I dont know what else to do. Could you please look into this matter and have them investigate these incorrect addresses.
Product: Debt collection

I had a XXXX XXXX XXXX XXXX and I was having issues logging into my online account to pay. I did not pay for 3 months and my debt was brought into collections. The collections company I was dealing with was called XXXX XXXX and XXXX XXXX. I was unable to pay the full amount they requested at the time to settle the debt so the person I was dealing with said I can setup a direct deposit with them for {$100.00} a month to settle my debt. I have copies of XXXX consecutive checks each w/ the amount of {$100.00} issued and paid to XXXX  XXXX XXXX XXXX XXXX from XX/XX/XXXX and ending on XX/XX/XXXX. A total amount of {$900.00}. XXXX setup an auto pay to settle the debt and when they stopped automatically collecting from my bank account I thought the issue was resolved. I later find that a new collection company called Unifund LLC has placed a collection and derogatory remark on my credit report for the amount of {$1500.00} which I believe was similar to the amount I originally owed to XXXX XXXX  and XXXX XXXX. I am trying to purchase my first home so I need this to be resolved on my credit report, also I do not see how it is legal and not fraudulent for another company to take over my debt and for the amount to reset after all the payments I have made. This is negatively impacting my credit and decreasing my chances of purchasing my first home. I really hope this can be resolved so I can move on w/ fixing my credit and purchasing my first home.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached ID Theft Report. FTC Report XXXX : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 
ID and Social Security card and utility bill is attached as well
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : XXXX XXXX XXXX XXXX, Experian, and XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, Experian, and XXXX regarding inaccuracies present in my credit reports. I have identified the following issues with each bureau : I am bringing to your attention that the inaccuracies reported by these credit bureaus violate the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), specifically Section 1681i, which mandates a reinvestigation of disputed information, and Section 1681s-2, which outlines the duties of furnishers of information.

Additionally, the Privacy Act of 1974 ( 5 USC 552a ) requires accurate reporting and maintenance of records by agencies, including credit reporting agencies. I believe the inaccuracies on my credit reports constitute a violation of these statutory provisions. 

I kindly request that the Consumer Financial Protection Bureau investigate these discrepancies and take appropriate action to rectify the inaccuracies on my credit reports. Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance in resolving these issues. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you verify the documents? Certain accounts listed are incorrectly reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have this on my XXXX report that i requested a inquire but i was in a XXXX  and its not mine i have never applied for credit with this company and need this inquire to be removed ASAP its effecting my report
Product: Student loan

I was diagnosed with XXXX XXXX XXXX that XXXX to my XXXX. I have been going through an extreme financial hardship as I was unable to work. The XXXX appeared, only months after I graduated from school, and I was treated immediately. My doctor kept me off work due to difficulty with the regulation of the medication and other various complications. The lender, offered very few options to forebear this loan, or to lower the payments. I have been struggling to afford my medication, or food for that matter. I have called the servicing company Aes on several occasions begging them to help me out and they refuse any help. This has created an even greater hardship, because if I default on this loan, it will cause me problems with my moral character background application to become a XXXX XXXX. I obtained this loan to go to school to become a XXXX, and if this loan defaults, it may be impossible for me to do so, which defeats the purpose of me obtaining this loan to begin with. I wrote a letter to the lender, because I can not afford this current payment. I have called and asked them to extend the payments out, or do something so that I can lower it or to give me more time until I can get on my feet. They have not even responded to my letter, nor will the servicing company do anything further to help me. I was even told by them, that even if I die from my XXXX, that they will go after any assets that I have to get their money. The stress of this is aggravating my illness, and the lender does not care. The original loan was for $ XXXX and I have a letter that says that payback after 15 years, will be at $ XXXX which is almost triple the amount of the original loan. A loan shark would n't even charge that much, how could this be legal? I requested my original promissory note, so that I can see exactly what they are limited me too, and the company refused to provide it. I do n't even think that they have the master promissory note and they are implementing rules that are not even on the promissory note.
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 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 

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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I recieved a call from XXXX XXXX XXXXXXXX. I did not know they dont call. They said did you make a XXXX  payment to XXXX XXXX of {$1200.00} and {$790.00} this mor? no, i didnt. so they said we are transferring you to XXXX XXXX  dept.They then said we have to verify your account and need you to put in this name of our supervisor and these numbers.So i did not realizing i was transferring funds to them. After XXXX hours of trying all kinds of numbers and verifications they said we cant do any more tonight, we will call back tomorrow and they did. Still not realizing this was a scam i went through simular procedures but my bank stopped XXXX of tries from them so they said we will call back tomorrow which would be Fri the XXXX. I became suspicious after seeing my bank acct. minus {$3500.00}. I called XXXX XXXX XXXXXXXX and they said they were going to submit a claim. After a week they gave the {$3500.00} back but took it out again same day. Then they put XXXX back in and so far it is still there. They said that XXXX and XXXX XXXX would not refund money so I lost {$3500.00} so far. The scammers did call back but i blocked them and didnt answer. I also filed a police report here in XXXXXXXX XXXX, contacted XXXX and XXXX. I would love to get my funds refunded and stop them from hurting anyone else.
Product: Mortgage

On XXXX XXXX XXXX XXXX XXXX XXXX, employee ofJP Morgan Chase told me my refinance was not approved because they can not subordinate my second mortgage because there is less than 5 years remaining and because of my current credit score. He asked how I wanted to proceed. I said i did not have the means to pay it off so if I couldnt do that does that mean I am backing out of the application and Chase gets to keep my good faith money. He said no if I say I want a refund the file will be declined and I would get my money. I said refund I heard nothing for weeks so in XXXX I left a voice mail, which he did not return. Several days later I called again and he said something to the effect he wasnt ignoring me and he hadnt gotten the voicemail so it wasnt his fault. He said it was being reviewed, it should take a couple of weeks and then the funds would be returned. In the meantime I suffered the sudden death of my boyfriend who had to be removed from life support and watch him die, I had to struggle through work and the holidays and it never dawned on me I still hadnt received the refund. I emailed XXXX again and he said The request was rejected. Youre not getting your refund.. I emailed again and asked for his supervisors information and he sent me a ride email saying I already told you theres nothing I can do and neither can she I had found her contact information XXXX XXXX XXXX XXXX and emailed her including copies of the emails and left a voicemail, neither of which she responded to. I emailed XXXX again and told him I would continue up the chain of supervision and if necessary contact Consumer Financial Protection Bureau, The Federal Trade Commission and XXXX XXXX XXXX 
In his last correspondence he said if I can get my credit score to the minimum they require- I have no idea what that is as they never mentioned there was a minimum they could redo the application waive the {$500.00} fee and pay off the second lien XXXX This makes zero sense as the initial reason given for rejecting me was the second mortgage had less than XXXX years on it and it could not be subordinated He enclosed the agreement I signed and it states that the good faith money would be returned unless I withdraw the application or I dont provide documents they want in a timely manner. I did neither of these things yet they are refusing to refund my {$500.00}. I realize this is probably nothing to him or his supervisor and absolutely nothing to JP Morgan Chase but {$500.00} is a lot of money to me. I would not have tried to get a better interest rate on my mortgage if money meant nothing to me.
Product: Debt collection

My name is  XXXX   XXXX  is  XXXX   XXXX  I entered into an agreement with a Reservation System for use by my company  XXXX   XXXX   XXXX . After setting up this system I was informed that I must use  XXXX   XXXX   XXXX  who operate  XXXX  a system for processing credit card payments.   However I was not happy with any of the systems thus I cancelled everything with the  XXXX   XXXX , the Merchant Services which includes  XXXX  within weeks of the original set up date.    XXXX  continued to collect money from my  XXXX   XXXX  Bank Account, I telephoned them every month to complain saying that my account with them had been cancelled they finally they told me to put my cancellation in writing which I d id ( letter a ttached. ) I made a complaint to my bank  XXXX   XXXX  and they told me that they could not do anything to help me.    XXXX  continued taking money from my account until I eventually decided to close the account and move to another bank.    XXXX  sent my file to a  Collection Agency Allen and Associates who tele phoned me and threaten me with "  ACTION  '' if I did not pay up. They sent me a letter dated  XXXX   XXXX   XXXX  to which I telephoned in response spoke to  XXXX   XXXX , who told me that they have documents proving that I owe money. I asked her to send me copies of any documents showing that I owed an money. I have not received any further communication from them until I hear from  XXXX   XXXX  that my credit record had been compromised.   I disputed the charges with  XXXX   XXXX  and have their letter in repl y ( c opy letter attached )
Product: Mortgage

We were on a HAMP loan at 2 % and were current. Ocwen raised us to 3 %, I lost my job and the ability to drive XXXX and earn a living. We can not afford the 3 %. We need help. Please contact me with any questions.
Product: Student loan

Never late on this account Also, how can it be 120 and 90 days late without first posting 30 days late? major error. Please verify all info is true, accurate, and correct incomplete name spelling, address of record, etc. ( DEPT OF ED/XXXX  XXXX )
Product: Credit reporting or other personal consumer reports

I purchased a brand new vehicle XXXX XXXX XXXXXXXX XXXX was the lender. XX/XX/XXXXXXXX XXXX  while purchasing a new vehicle and trading the XXXXXXXX  I found out there was no record of me owning or purchasing the vehicle. The information was not being reported to the credit bureau. I was initially denied the trade saying because it was thought to be someone else 's vehicle. This is my.second time reporting this the 1st time the complaint was closed and letter mailed out saying that my credit would be updated. There's still no report of me having the vehicle on my credit. This was very embarrassing as well as causing me to have a lower score than I should since my payment history waa excellent but credit shows no trace. It's very frustrating how these big companies get off doing crooked activities and hindering the consumers making them suffer.
Product: Credit reporting or other personal consumer reports

My XXXX  card is XXXX, i have closed my credit card of XXXX Bank and paid all the dues but still the Experian and XXXX reports shows that I need to pay pending dues. This is impact my credit score alot where as XXXX has updated it as a closed account. The dues were paid before XXXX months and from last XXXX  months i'm raising disputes to Experian and XXXX but not help.this is effecting my credit score alot. Please find the attached XXXX from my XXXX credit bank in the below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has reported on my removed or show proof it was me that applied for credit for those companies. which credit report like 21 inquires that's not mines. As well I have sent a police report and a list of all inquiries to ball inquiries are Fraudulent. I have called and they told me they closed my request to have removed because my police report wasn't real. But Police report has the county of Police name as well the police report number to call and ask if this is a real police report. They are stopping me from get credit because of to many inquires. Here 's the inquires that's Fraudulent XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have reached out to all the above and has file a complaint with CFPB and they all reached out to me ststaing they have no knowledge of what and why Trans Union reporting Inquires in their name on my report when they do not didnt not request credit from me nor has proof i did once i told them i was in a coma for 2.5 months and couldn't talk nor write and has proof from my doctor it wasnt me.
Product: Credit reporting or other personal consumer reports

Fair Collections And Out is inaccurate because this collection 's statute of limitation has passed. The statute of limitation in Florida is five years.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Student loan

Nelnet received my request for refund of my student loan payments during XXXX nearly 3 months ago and it has yet to process it. I've requested for the status of it multiple times and they have no idea what is going on or when it will go through. Other companies refunded these payments within days of request.
Product: Vehicle loan or lease

I have an auto loan with Bank of America and I have enrolled in the automatic payment plan. I mailed in a principal payment to Bank of America that explicitly states XXXX additional principal, which was received on XXXX. The payment was applied instead to the monthly payment and the remainder to principal. I then mailed an additional principal payment for XXXX which was received on XX/XX/XXXX. The payment was applied instead to the monthly payment and the remainder to principal. 

I called Bank of America on XXXX to inquire why this was applied despite knowing that I'm on an automatic payment plan and they explained that this is the default way that payments are applied in their system. In other words, the explicitly misapply principal payments in the hopes that this is not caught by consumers. I waited several business days and didn't see it resolved. Today, XX/XX/XXXX, I called again and was told that it was not corrected but it will be. When I asked for a full transaction list of all activity on my account, I was told that I would have to call back later once these corrections are there to see all the change. 

This is highly unethical and should be illegal. When a customer sends a principal payment, it should be applied as requested. I am surprised that this is not a full on lawsuit to protect consumers of what is a systemic misapplication of customer funds.