23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Grain 's phone app does not work properly, making it impossible to make payments on time. I finally got in and began to insure that payments are made and they charged the account off without analyzing the app and it's working issue. They reported this account unjustly to the credit agencies causing my credit great harm. I was never contacted before this mark was placed on my consumer report which violates my rights under the FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

I have reached out and have not been helped. I am being unjustly punished for their mistakes
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XX/XX/year> XXXX I attach, along with the dispute, my fraud report that I just sent to TRANSUNION for XXXXhe second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Charge-Off Dispute Dear XXXX I am writing to formally dispute the charge-off listed on my credit report under account number XXXX XXXX Acct # XXXX. Upon reviewing my credit report, I have found inaccurate or incomplete information regarding this account, and I am requesting a thorough investigation into this matter under the Fair Credit Reporting Act ( FCRA ). 

The details of the dispute are as follows : Creditor Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : Section 623 ( 15 U.S.C. 1681s-2 ) : Prohibits furnishers ( creditors ) from reporting inaccurate information and requires them to correct or delete inaccurate information. 

FCRA Section 604 ( 15 U.S.C. 1681b ) outlines permissible purposes for accessing credit reports, which do not include direct reporting of a consumers income. 
Creditors are not allowed to report income and I have asked for the company to send XXXX so that I can file with IRS. This account is not accurate and is has many errors. 

As required by the FCRA, I request that you provide written confirmation of your findings and update my credit report to reflect accurate information. If you are unable to verify the accuracy of the charge-off, I request that it be removed from my credit file entirely. 

Please acknowledge receipt of this letter within 30 days and provide a resolution as soon as possible. If you need additional information or documents to resolve this dispute, you may contact me at XXXX XXXX or XXXX. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

XXXX XXXX XXXX XXXX - Personal Information Dispute Incorrect information in credit reports Idenitiy Theft
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate information on my credit reports and I request to please investigate these accounts and delete them. 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: Payday loan, title loan, or personal loan

My grandparents passed from covid within 3 days of each other and I was left homeless and on the streets or in motels and as a retired service never I was on a fixed income. Mariner finince Also put the wrong day as payment day as I only get one check a month and the hit me with late fees that weee do to there mistakes and were not willing to meet me in the middle and clear even one of the late fees as well as they extended the time of the loan to increase my payment and to fleece me of more of my hard earned military compensation pay from my military compensation pay do to being 100 % total and completely XXXX permanently. When they refused to bend at all and with the raised rates s d interest charged I was not at all able to pay that loan back and my rent is still over 1000 a month and I can not ever afford food. I believe they call mariner finacial a predatory Leander and they purposely went out of their way to ruin that relationship from the get go with their attitude and decision to defend their loan officer when I told her that I needed to have my pay date S the first and not the. XXXX when XXXX broker that XXXX.
Product: Mortgage

XXXX - XXXX Lien Holder - Specialized Loan Servicing is reporting late payment on my credit report after I provide proof that I was never late. 
Fixed Rate - XXXX Lien Holder - XXXX XXXX is also reporting late payments on my credit report after I was told they were n't going to report my mortgage payments late once I began my new trail payments plus the lender is showing my mortgage account as a foreclosure. 
Note, I also provided my bank transactions showing when my mortgage payments were drafted prior to the due date.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX ****** XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXXl Acct # XXXX. Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS NOT MY ACCOUNT. Both my wife XXXX XXXX and myself were victims of identity theft. I attempted to resolve this with Equifax, XXXX  AND XXXX  and and the Collection agency. The credit bureaus is still reporting this fraudulent account and I want it removed immediately. The collection agency is harassing my wife and I by calling and threatening to file charges. This is a Fraud account. Im retaining an attorney and suing the credit bureaus for reporting this fraudulent account. Please remove immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to open up a bank account I was told there was one already open under my name at the bank I went to that I never gave anyone consent to open. Please remove these unknown items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 Hurricane Irma hits XXXX. Therefore, I was out of work for an entire month. This represented a huge cut on my income. I was struggling to make payments on the car loan for the first time since I purchased the vehicle. I spoke to the bank and requested to give me a grace period but they denied my request. In addition to this ordeal, on XX/XX/XXXX my XXXX year old son drove my car and totaled the vehicle. Unfortunately, Insurance company refused to cover the expenses due to the fact that he was not added to the insurance policy. I had no choice but to let the bank repossessed the vehicle. I was left without a car and with a negative remark on my credit report.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXXXXXX {$5400.00} I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit card

I have an account with Synchrony Bank for purchases at Amazon.com. I have the account on auto/recurring payments. Last month, instead of paying the minimum, I increased the monthly recurring payment amount and was told that this would be immediately effective since I was already setup on recurring payments. 

My payment was due on XXXX/XXXX/2016. I logged in today and saw that the payment was not made and that I had additionally been charged a {$25.00} late fee. I called customer service and they told me that there was nothing that I could do, because I was late. The CSR was extremely rude and told me that I was late, despite the fact that I was on recurring payments. 

I engaged a CSR on chat who was able to waive the late chargein 24 - 48 hours. However, I wanted to file a complaint because I thought that this was an unethical practice and I asked for a specific name to send the complaint to. She would not provide the name - gave me a XXXX XXXX XXXX and then told me to send it to 'manager '. XXXX XXXX was the CSR. 

I can only imagine how many people have been charged a {$25.00} late fee for the same reason. It is unethical and unscrupulous and the practice needs to stop.
Product: Checking or savings account

Hello How do I dispute a Hard Inquires. Someone keep open an Account with Chase Bank for the past 2 years I contacted Chase last Year when I received a Bank Card in the mail originally sent to my old address and I called them and told them it wasn't mine i didnt open an account with them they suspect fraudulent So after That a few months I check my credit report and saw there are several hard inquiries from Chase Bank I file a complaint and dispute with them bank. Chase bank USA checked my credit again yesterday without my permission. This is ridiculous they keep letting someone open an account And causing my credit to drop tremendously
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX , XXXX  XXXX XXXX  I believe that someone has used my name to open up utilities and cable in one of the fraudulent addresses above.
Product: Debt collection

Oportun XXXX, just called me at XXXX XX/XX/XXXX about a debt, they have violated the law as I wrote them a cease and desist letter in XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX, has violated my rights. 


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

25 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was granted a discharge of my student loans due to a XXXX. At the time of my XXXX discharge I was current on all my loans, and have been in deferement. My Loans are with XXXX and XXXX XXXX XXXX XXXX as, well as XXXX. OnXX/XX/XXXX it was reported to all three credit Company 's XXXX EQUIFAX, & XXXX   that my loans were discharged closed with XXXX  balance. I got a letter from XXXX, & XXXX that they were sending over a request to update all my student loans with a XXXX balance. I got a email from XXXX in my XXXX  inbox account stating XXXX  also was going to request the late payments to be removed as, my loans were in admin forbearance during the 90 day late payment in XX/XX/XXXX. I have proof of bost I have submitted disputes after disputes with all three XXXXEQUIFAXXXXX  they refuse to remove the late payments, or close my student loans that have been discharged. These accounts were in good standing with no late payments. Also XXXXEquifax/XXXX   transefered to another lender there is only one lender.
Product: Debt collection

I had a credit card a few years ago that was sent to a collections. I called to set up a payment plan to start paying it off and was told the balance was XXXX. in XX/XX/2016 I started making payments of XXXX and at this point have paid XXXX. I called to find out the remaining balance is thinking its XXXX or so and they are now telling me i owe an additional XXXX . I asked them to provide documentation and was hung up on. So I called back again and they said they could not provide the balance and they charge everyone 12 payments of a XXXX until the balance is paid off but could not tell me what the balance was when it was sent to collections or what was added onto the payment. I asked to speak with a manager and was once again hung up on. I have pulled a my credit report and its reflecting the charge off was XXXX. I received a email from Transworld Systems Inc. stating i needed to make 12 payments of a XXXX even though i only owe XXXX even with interest it does n't make sense why they are charging me a extra XXXX nor will they provide any documentation as to what i am being charged for. I am trying to pay off this debt and they will not provided me with an accurate pay off nor are they being honest of what the extra XXXX is going towards.
Product: Credit reporting

Used AnnualCreditreport.com got to the point where the XXXX companies give your score and not one actually gave me a score. I was able to attain my report information, but have no way of knowing how that translates into a score number. The first company failed, which i find convenient since they offered to give access to my score all year for XXXX, the second gave me my report but no score, the third was similar to the first. All of them have errors giving free scores but not when you purchase them? This is a shake down. I am looking into further legal action and researching how many other people have complained of this.
Product: Credit reporting or other personal consumer reports

Experian Failed to validate and delete the following accounts under Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2 and the motion that each of these creditors provided me with a 1099-C.

the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S. Code 1692g, XXXX. XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is incorrect. There is an added name that is n't mine.
Product: Credit reporting or other personal consumer reports

I have no idea where these accounts came from on my credit report or my credit. Some of these places I never heard of. I need them removed soon as possible.
Product: Credit card or prepaid card

My name is XXXX XXXX and on XX/XX/XXXX i unknowingly signed a contract witha JC Penney decorator name XXXX XXXX. My partner XXXX XXXX and I had agreed to meet with XXXX for a consultation for custom drapes. The Original quote was over S 5,000 and i advised XXXX that we could not afford that. And apologized at that time XXXX then stated i could apply for a credit card i advised her that i was unable to do that. She then asked if XXXX could apply and he agreed she then made a call for XXXX to apply over the phone she stated if he was approved she would give us a discount. XXXX voluntarily gave the information that XXXX requested and was approved for over {$3000.00} in credit. XXXX then advised us shecould give usa XXXX discount since he wasapproved for the jc penney cc. He agreed to put XXXX on his jc penney credit card and i asked my mom if she could payXXXX on  my behalf oncethe drapes were installed. XXXX took all my moms information over the phone while i went to use the ladies room. My mother is an elderly woman XXXX years old and XXXX knew that and mislead my mother and committed fraud. At no time did she tell my eldetly mother she would be charged XXXX XXXX on that day and she said she put XXXX  newly approved JC PENNEY CARD on the custom drape order for XXXX.. My moms cc was charged without her permission on XXXX XXXX 2018 for XXXX and then charged again for XXXX on XXXX XXXX 2018 without her permission and under fraudulent pretenses. At the time i signed what i thought was a confirmation of the appointment was fraudulently a contract. On review of the contract XXXX listed all the credit cards in my name which none of the enclosed cards are mine andi amnot an authorized user on any of the accounts. This company has committed fraud on many levels. You can not change a contract which is a legal binding document and charge a 3rd part cc for a fraud contract in my name. I  decided to leave the relationship and the house and XXXXtold me he called XXXX and told her hewas not paying for the drapesand she advised him to cancel his jc penney cc and theywould charge my elderly mothers bank account without her  authorization. When XXXX called JC Penney they told him the contract was in his name my name was on paperwork because i made the appointment which was not true .Please have JC Penney to listen to calls and review notesfrom calls made to JC Penney Customer Service . I would never sign a contract for drapes in some oneelse house because i was off work due to a XXXX XXXX,. XXXX needs to be investigated and fired. Her and XXXX are friends and plotted this together. Thank you.
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 XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I asked XXXX representatives how to consolidate my personal undregraduate/graduate loans- which are held by XXXX  after consolidating in XXXX - into a direct consolidation so that my old loans could qualify for PSLF. Currently, the Dept. of Ed does not know I have been paying loans for over 25 years because I have a private servicer. I asked XXXX on more than one occasion if I can consolidate a private loan and I was told yes and to apply for consolidation through the StudentAid.gov which I did on XX/XX/XXXX. My account indicates that that request is processing but I was told by XXXX to contact Aidvantage, which processes consolidations. I spoke with a representative at Aidvantage on XX/XX/XXXX and she told me that the application was cancelled because they do not consolidate private loans. If I don't consolidate my {$47000.00} undergrad/grad loans before XX/XX/XXXX, I'm afraid that they will never be considered for PSLF even though I have been working for a non-profit for 25 years and making payments on these loans for longer than that. I'm sending in a complaint because I don't know who to contact or trust. Do my loans qualify for PSLF, or not? I'm running out of time and I need some clarity in order to make an informed financial plan as I start to pay off my sons ' college loans this year.
Product: Mortgage

I'm currently in default with my mortgage but I have being in communication with them and I'm selling my home. I have provided all the documentation they required to show and prove that the property was in the market to get it sold. Everything had been working fine until the time that I requested a payoff demand. 

We are now ready to close the transaction, the only item that is missing is the payoff demand from them. 

I have call them several times already to request the payoff demand and every time that I speak with a representative, they promise to send it within a couple of hours, but I haven't receive it as of yet.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name XXXX XXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX Account name : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case