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

XXXX and service financial on my credit report are listing it as a mortgage type of loan and it is not its is a installment loan i had a roof put on my house and thats what its for theres no lien or anything like that no mortgage no nothing if anything else it could be a home improvement loan or like a credit card iam working on getting a mortgage and this is effectivei g my chances very badly i need it fixed asap ive tried reahing out to both partys mentioned and i get the run around please fix this ive had this loan for a few years and it wasnt reported like this till now
Product: Credit reporting or other personal consumer reports

In XXXX, XXXXmy account was assessed a late fee of $ XXXX.plus interest of {$1.00} My payment was posted onXXXX. I was told that the statement date was the XXXX of each month From that month to the present, I made my contracted payment plus any additional interest that was charged, on or before the statement date. Because I did not make the first {$40.00} payment, an additional late fee was added each month despite the fact that the contracted payment was made in a timely manner. Additional interest was also added which I also paid. In XXXX I was finally able to have my dispute resolved with the executive branch of XXXX XXXX and all of the late fees billed {$200.00} ) were re-credited to my account but not before a delinquent status notification was placed in my credit file that resulted in the reduction of my credit score by XXXXpoints. The credit bureau dispute resolution department is not willing to correct the error in my credit file but has told me that I would have to wait 45days for the matter to correct itself. In the meantime my creditors have either reduced my credit or withdrawn my credit privileges altogether. XXXX XXXX had me pay an additional month 's payment and then advised me that this amount was credited to the principal and i now requiring that I pay another month in XXXX. I would like my credit file to be updated to reflect no delinquency and that the payment that was credited to the principal without my approval be credited to my XXXX payment due which is what I was told originally. As you can see, I do not pay my debt late and have bad no delinquencies for the past years. Please help me to correct this unfair practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit reports and have noticed there has been a string of hard inquiries spanning from XX/XX/XXXX to XX/XX/XXXX. I have no idea where these inquiries have come from. Upon reaching out to the credit bureaus, I was instructed to initially contact the " request originator '' ( company who pulled my credit ). Upon doing so, I was informed by the companies that there was no record of my application. I was also told by the " request originators '' that the only course of action I had was to reach out the credit reporting agencies. I have since then, reached back out to both Equifax and XXXX  to inform them of this update, only to be met with the statement " there is nothing we can do until you call them ''. After repeated communications with the Equifax and XXXX informing them I had already spoken with the " originators '' I was left with no resolve, I have decided to contact the consumer finance division in order to gain assistance in having the erroneous hard inquiries removed from my credit profile as this is potentially effecting my employment.
Product: Credit reporting or other personal consumer reports

I have Reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XXXX & XX/XX/XXXX & XX/XX/XXXX. Please investiagte and provided proof with statements showing that these were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Product: Debt collection

Long story short, I had a hospitalization and MRIs that left me with credit trouble. I had a credit card from XXXX XXXX which went to collections through Portfolio Recovery. 
Portfolio Recovery sued me and I didnt know it until I received ads from lawyers. So I made and am current on a payment arrangement with them. I thought this would stave off a lawsuit. When I looked up the case in casenet, I came to find out about a second lawsuit. This time it was for a credit card I never had. 
So I went to court I found out from their own lawyer that they should have sent me a paper to sign and return that would have stopped the lawsuit. When I had called the company prior to the court appearance ( twice ), they never mentioned any such paper. 
So I missed work ( for a new job ) and had to go to court for a debt that I was making payments on and next month I have a court date for a debt I never had.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account XXXX Date of Charge Off : XX/XX/2022 Amount : {$1000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

We had asked for a Loan Modification with PHH MORTGAGE XXXX  and I sent in everything for it on XX/XX/XXXX and just spoke to a representative on Wednesday the XXXX and they are still charging late payments and also sending it to the credit bureaus when we were under a forbearance plan due to XXXX! My wife is recently diagnosed with XXXX  XXXX and XXXX and XXXX due to her having XXXX  last year! PHH MORTGAGE ALSO REFUSED TO PUT US ON ANOTHER FORBEARANCE EXTENSION. We had only been on a forbearance since XXXX since we made our mortgage payment for XXXX. They have had multiple lawsuits against them due to this same problem! And I have sent multiple emails to the company and they have yet responded back when we asked the first time about the forbearance extension.
Product: Mortgage

I HAVE CONFIRMATION FROM XXXX XXXX FROM NATION STAR MORTGAGE THAT MY CASE NEVER MADE IT TO REVIEW. HE MADE THIS DECISION AFTER COMPLETING A INVESTIGATION. PLEASE REVIEW AND EXPLAIN.
Product: Student loan

This complaint was filed back in XXXX XXXX, spoke with the " Consumer Advocates Office '' @ Navient about getting the interest rate lowered on a student loan that I co-signed on for my son ( 11 % ). I was put on an interest only payment plan for what I thought would be a short term period as it turns out it was for FOUR ( 4 ) years, numerous calls to Navient to be removed from this program fall on deaf ears. I enlisted the help of XXXX XXXX office and that did little good. I have submitted financial statements to Navient back in XXXX of XXXX in an effort to get the interest rate reduced on this loan, that got no where, have tried to refinance this loan and got no where. Their billing statements show minimum payment due and if you read the fine print you 'll notice that the accrued interest for the month is XXXX - XXXX dollars more than the minimum payment. This is deceptive in its very nature, credit card companies do n't operate in this fashion why should Navient?. In short they are nothing more than a loan shark operation, not asking for a hand out asking for some help to pay these people off. I have reached full retirement age, my son is unemployed with XXXX children and even being employed he is under employed ( wages ).
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. 
Account name XXXX XXXX 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 the Information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2020 I incurred a vet bill in 2 separate amounts. {$480.00} and XXXX. I signed up for a 12 month interest free promotional offer. This is XX/XX/2020 and the balances on these two charges are XXXX and XXXX. Its been 6 months and the balances have only gone down by minuscule amounts. I have paid way over the minimum amount every month. Now here is the main problem I am having. On XX/XX/2020 my pet had to have XX/XX/XXXX XXXX and I incurred a rarely large bill that is a fixed interest agreement. The minimum payment is supposed to cover this bill as well as the interest every month. For example. I made 2 payments in XX/XX/2020. One for {$250.00} and another for {$25.00}. A total of {$270.00}. {$31.00} was applied to the XXXX interest free promotional balance. Nothing was applied to the XXXX promotional balance. {$240.00} was applied to the fixed interest rate balance. I have been requesting payment allocations every month since the beginning of XXXX when I realized that they were manipulating my payments in a manner that would leave me paying interest on these interest free promotional balances. This is unethical and probably illegal. Despite my frequent requests they are not allocating my payments per my requests. I had another interest free promotional balance that has since been paid in full but it required multiple contacts with multiple people to finally be paid off before the end of that promotional offer. My complaint is they are applying my payments to the fixed interest account and ignoring the interest free balances. If you sign up for a 12 month interest free promotional offer you expect that a payment would be applied every month in order to be paid in full at the end of that 12 months. Syncrony is not following that logic. They went so far as to change my auto pay amount without my permission. Since they have refused to allocate my payments as requested I was making additional payments to get these balances down so I would avoid interest charges at the end of the 12 months. They subtracted my extra payment from my auto pay. Unbelievable right? For example. My auto pay is {$250.00} month. I made an extra {$25.00} payment and they reduced my autopay to {$220.00}. I will never have these promotional balances paid off by the end of the 12 months if they keep manipulating my payments in a manner that benefits them and not the consumer. I have documented request for payment allocations dated XX/XX/2020 thru XX/XX/2020. I have had other conversations with representatives before XX/XX/2020 but not documented proof. They claim it takes 2 billing cycles to allocate my payments as requested. Its been 4 months since I started this crusade to get my payments allocated the way they should have been done from day # 1. The last few documents are not as clear. My ink is running low but you can see I have tried to resolve the issue with Syncrony but have failed miserably.
Product: Debt collection

I Lived at XXXX XXXX  for more than 7 Year and in XXXX XXXX I decided to buy a House and Gave them a Notice on XXXX XXXX, XXXX this gives them the 20 days notice required, and I moved on XXXX XXXX. 
I went after I move maybe XXXX weeks or month and Asked for my refund and they told me that it is being delt with at the management company ( XXXX XXXX ). 
I got distracted with the House and did not contact them for the refund. 
In XX/XX/XXXX I got a notice that a Collection in in my account, I checked and it says from " GENESIS CREDIT MANAGEMEN Last reported XX/XX/XXXX {$980.00} Open balance XXXX XXXXXXXX XXXX XXXXXXXX Original creditor '' This is a copy from XXXX XXXX. 
I went to the Office of the Apartment and asked about the status of my refund, and they said that they do not have a manager and to contact them by Email and I did on XX/XX/XXXX, but no response from them. 
I never got any communication from them or the collection agency in this regards I did not know about this except from my credit report. 
They have my forwarding address and I have mad a change of address on XXXX, and they have my phone and email, and still they never contacted me. 
Please help to stop this Harassment and poling. I had to put up with a lot of this during my stay and they continued ignore any laws to at least tell me what I owe if I did, and why I did not get my Refund that according the Laws they have to Inform me with 30 days. 
Thank You XXXX XXXX
Product: Vehicle loan or lease

Made payments on time but my bank account was frozen due to suspected fraud on behalf of XXXX. A payment arrangement was made also for the month of XXXX. I would like to have all late payments removed from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Refusing to report it as student loan being closed. Either XXXX payment or {$5000.00} payment I only owe for student loan I borrow to help me finish my career XXXX XXXX Which I was unsuccessful complete it with XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX. {$2500.00} each by both Colleges. My mom didn't have the funds to put me through college. Also had my kids depending on me to support them through school. I feel that I am being discriminated against because of my race, age, and sex. My dad was there financially to support me through high school and college. But I was there for my kids financially to support them through schools. That difference between XXXX  men my age. By preventing from being equal.
Product: Credit reporting

Each of the following Tax liens ( State and Federal ) have been charged off. Please remove from my credit report. Thank you, XXXX XXXX
Product: Checking or savings account

I have a couple of accounts that are " restricted '' with capital one. One of which has a positive balance. I have called numerous times to request the accounts be closed and also requested the money that is in the account that shows positive be sent to me via a check. This has been going on for the past couple of months and all I keep being told is it is a lengthy process to get the accounts closed and money sent back. What I'm not understanding is how it is legal for a bank to hold your money and refuse to give it back.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation.

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my Credit Report. Despite my submissions, XXXX consistently responds within 24hrs stating the account is accurate, without providing any evidence of a thorough investigation of disputes. This practice violates the Fair Credit reportin Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against Equifax for similar violations . I request the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The below accounts and hard inquiries are inaccurate in my report : XXXX XXXX, XXXX XXXX, XXXXXXXX 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated with the credit bureaus several times about 3 inquiries on my report that I did not make and they have not deleted them from my account. My first communication was sent in XXXX and nothing has been addressed. I sent them an affidavit and FTC report XXXX # XXXX ) and still no deletions, and I feel my rights are being violated due to their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX in the afternoon me, XXXX XXXX applied for the Capital One Savor One Card. I was declined for the card but that was not the issue. The issue was the fact that one singular application for one card resulted in all three credit bureaus receiving a hard pull. I was completely oblivious to the fact that applying for one singular card or any other singular card from any other company could hard pull from all three bureaus at once. If I was aware of this fact I would not have even applied for the product from Capital One to begin with. I immediately called Capital One customer service trying to understand why all three bureaus were pulled, and also trying explain the fact that if I knew this prior to submitting the application, I simply would not have submitted even if I knew for 100 % fact that I would have been accepted for the product. They could not help me at all, feeling helpless I decided to search the internet to find a way to solve my problem. I found out about disputing hard inquiries, but the issue was you could only dispute inquiries that incurred without your knowing, hence fraudulent. Although this was not fraud, I am the person who initiated and submitted the application from Capital One, but I can not say I knew that all three bureaus would receive a hard inquiry. I was expecting one hard Inquiry after the submission of the application not three, as stated before if I had know this I simply would not have applied, even if I were guaranteed an approval I still would have not have taken it. 

Company I am Complaining About : Capital One Name : XXXX XXXX XXXX Email : XXXX Phone Number : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2019, GM FINANCIAL add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX XXXX XXXX XXXXXXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern My name is XXXX XXXX, and I am wiring this statement on my own behalf. I recently discovered that I am a victim of identity theft. My reports reflect inaccurate things. My identity was used to obtain Finacial services and goods. I request that the listed items in this report and statement be removed immediately. Accounts opened without consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES ADDED WITHOUT CONSENT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX