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

I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX Account Number : XXXX this company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Product: Mortgage

I've always paid on time to my mortgage company who was XXXX XXXX. When C-19 hit, my income was reduced and I was struggling to make payments. On XX/XX/XXXX, XXXX from XXXX suggested that I go onto their forebearance plan and she explained that my account would not be reported to the credit bureaus and that I would resume making my monthly payments at the end of the time specified with no penalties, additional interest or late fees, but the principle amount unpaid during this time, would still be required and would be added to the back end of the mortgage, ( extend my original payment scheduled ). They then extended it for a 180 days on XX/XX/XXXX ( message below ) I was to start payments again on XX/XX/XXXX. In XXXX or XXXX, the loan was sold to PHH Mortgage. They reached out to confirm that the 1st payment would be on XX/XX/XXXX and I was given a new account number. A gentleman phoned me yesterday to confirm the beginning of the payment schedule again since it's in 1 month and then asked if I was going to pay all $ XXXX that was owed else it will go into foreclosure. I told him that I didn't understand what he was referring to and he said that I was responsible to pay everything at once unless I was not interested in keeping the property. He said that XXXX was incorrect. 

I don't understand. This is not what I was told by XXXX. If I wasn't able to pay my $ XXXX monthly morrtgage, how am I supposed to pay a $ XXXX fee all at once now? I don't have this kind of money and I don't want to lose my house.
Product: Debt collection

On XX/XX/19, Collection was place on my trade line.. I called lender to inform them that I did not apply or in this apartment m.. I ask collection to provide me a written contract pretending to this debt.. There was no contract on file.. I informed collections that my identity was stolen
Product: Checking or savings account

Please see attached documents! PNC Bank is refusing to help with an unauthorized XXXX scam purchases.
Product: Student loan

Reporting missed payments on my credit report when I was in deferment. Their website has no options for me to resolve this issue with them since my loans are now paid in full. Also, I was charged late fees and interest on the late fees when I do n't believe I should have been.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Delete and type in all the inaccurate accounts in here. 
Example : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), 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 ( 15 USC 1681 ( e ) ( b ) ).

Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of 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.

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I just went on to check my Equifax and for some reason my XXXX XXXX  account went up by {$160.00} decreasing my credit score by XXXX points. 
They can not increase the balance! First off I already own the Vehicle.i already received the discharge of Lien over a year ago.. And the remaining balance is being garnished from my wages weekly court ordered with 0 % interest. 
I actually do not owe XXXX XXXX anything but the Lawyer XXXX XXXX took this to the Supreme Court XXXX XXXX while the title was still in the companys possession. Then Waited 6 months to send it to the sheriffs civil division to start the garnishment. After the title was already discharged to me. 
I want my credit report fixed they can not increase the balance per court ordered. 
One of the files Im sending shows my XXXX  balance on the XXXX XXXX account.
Product: Vehicle loan or lease

In XX/XX/2020, I was greatly impacted by Covid-19 and was in a financial hardship. It shows a 30 day late payment for this account and I thought it was on auto pay. I have been very responsible to make my payments and understand the value of having good credit. This is impacting my ability to get a mortgage. The company will not help me with this unfair issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to XXXX, XXXX  and Equifax to resolve this matter. They continue to report inaccurate address, and misreporting information on my credit report. The accounts continue to report inaccuracies and they are not responding to my disputes
Product: Credit reporting or other personal consumer reports

The following XXXX XXXX XXXX account, with account Number XXXX has been disputed by me for the past few months, this account does not meat FCRA criteria and this company simple intends to leave it reported in my report despite my claims either because that they do not know what they are doing or because they want to create harm to me. 

First This account was closed on XX/XX/year>2022 however, it shows delinquent activity after closure.XXXX  XXXX procedures hace allowed this since XX/XX/year>2022 and this has been highly detrimental to me. 

Second Delete this account for violation because notice of dispute was not entered as required within the required period of 30 days from the date my first dispute was received, persuant to section 623 of the FCRA Third How can this account be closed and yet it says I am still paying XXXX in the montly payment section? Once an account is closed, there should be no montly payment Unless the status says now paying it was canceled.
Product: Mortgage

Recently I received " Return of Load Document '' from Freedom Mortgage Corp. dated XX/XX/2020. Along with my documents, I found 21 pages worth of documents from a separate member of Freedom Mortgage XXXX which I DO NOT KNOW. 

I called Freedom Mortgage Corp. and explain the issue but they mentioned that the department that handle these sort of cases does not have phone number so the customer representative can't connect me. Customer representative told me that they will reach out to me once they get more information on the certain situation. 

I would like the CFPB take some LEGAL action against Freedom Mortgage Corp. by involuntarily sending me the Publicly Identifiable Information or PII information without the consent from the other member.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with OCWEN. I have always made all of my payments on time. One day I decided to check my credit on XXXX when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and OCWEN with no successful resolution. Only XXXX is reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late, and I was never 60 days late three times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received an alert that a collection account had been posted to my trans-union account. I went onto my trans-union account to find that a debt collection company called XXXX XXXX XXXX XXXX XXXX had posted an account for an auto loan I had co signed on a couple years ago. The orig. Lender had posted info as to balance, type and responsibility, But the debt collector gave false information. Listed type as EDUCATIONAL, Responsibility as INDIVIDUAL, Balance XXXX HIGHER than posted the day before from original. This debt collector, to date has not contacted me by any means, so I disputed this information and supplied documents to Trans union to prove BALANCE, TYPE and RESPONSIBILITY. To my surprise within a couple days transunion had posted their findings without even receiving the documents I had mailed yet. The finding was " meets FCRA requirements '', case closed. Then along came XXXX and disputed with the same outcome. I provided copies from original creditor as well as copies of credit reports showing what original creditor put on credit reports up to the week of the change from original creditor to XXXX XXXX XXXX XXXX.to both CRA 's. This collection is totally believed by CRA 's and they can list anything they want to. Due to type of income I have I am worried that this collection agency used EDUCATIONAL as type of loan to try and freeze my bank account. The findings leave me to believe that this collection agency can pretty much lie and its okay.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit reports and I noticed that you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED, I have listed the account name and the account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
This account has been on auto pay since it was opened so it is impossible that this payment was late. I have NEVER been late for this account! 

Your company XXXX be liable under the FCRA, violating 15 USC 1681n and 15 USC 1681o for non-compliance.

Only accurate information is to be included on Comsumer reports as the banking system itself depends on it. Please update this account to paid in full immediately. 

XXXX XXXX XXXX XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : XXXX : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXXXXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

EXPERIAN : Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Debt collection

In XXXX, 2024 I sent Caine & Weiner a Certified Letter requesting " Debt Validation '', of my supposed debt being report on my credit report by this company. I waited over the allotted 30 days prescribed by the F. D.C.P.A.I then sent a second Debt Validation Request in XXXX, 2024. After both of these Certified request went unanswered, I called this company. They gave me the run around. EVEN THOUGH THEY ACKNOWLEDGED RECEIPT OF THESE LETTERS. They just transferred me from person to person. Department to department with no one knowing or being able to tell me why my Debt validation request had not been responded to. Thus this company has been in total violation of the F.D.C.P.A.. from the very beginning.. 
This company is in violation of F.D.C.P.A. Section 809 B. Whereas " They must send a dunning letter to the customer. This customer never received any such letter from Caine & Weiner.

This Company is in violation for not responding to not one, but two Debt Validation Request. Neither were answered. ( See Enclosed )
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX XXXX 
I ended up XXXX XXXX XXXX and fell in to a position to where I could not pay as I waited for my XXXX pay. It was repossessed due to my inability to work. 
This loan has been reported as closed for a few years now and every so often it is reporting as a new loan. The dates keep resetting and statute of limitations is XX/XX/XXXX. 
I would like this handled as it keeps ruining my credit reports after 3 times of repairing it. 
As a XXXX XXXX XXXX XXXX I am asking for relief for this loan.
Product: Checking or savings account

in XX/XX/year>, I discovered that XXXX XXXX and XXXX dollars had been stolen from my IRA account - XXXX XXXX from the checking account and XXXX XXXX dollars from the saving account of Chase Bank. 

I have been a customer of Chase bank for more than 10 years. 

1. At this time, fraudsters issued a XXXX credit card in my name without my participation 2. Scammers made illegal transactions using a fake XXXX credit card through the XXXX payment system, where I never registered
Product: Debt collection

I have asked them repeatedly to stop calling me and communicate through mail only. They refuse.
Product: Credit reporting or other personal consumer reports

Late Dispute Letter 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 XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I recently received a copy of my Experian, and XXXX Credit Report and I noticed that XXXX late payments from XXXX XXXX is still posted on my report : XXXX XXXX XXXX XXXX XXXX Your company Experian XXXX XXXX and XXXX XXXX XXXX has XXXX violations. 
Both Experian and XXXX have violated the laws by keeping the late payment on my credit report, and not deleting this account as XXXX did. Under 15 USC 1681 Accuracy of Report 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. 

All three credit agencies are to provide the same information for accuracy. 


Also, Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give written instructions to furnish this account on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS-Except as provided in paragraph ( XXXX ), the term consumer report Does not include- ( A ) Subject to section XXXX of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this account from my consumer report. This agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of character. 
XXXX. Negligent Enablement of XXXX XXXX. 
XXXX. XXXX XXXX Collections Practices XXXX XXXX XXXX XXXX violations. 
XXXX. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance XXXX. Civil liability for willful XXXX15 USC 1681n . 

Best Regards, XXXX XXXX
Product: Student loan

Hi. I am in the process of applying for Public Service Loan Forgiveness of my federal student loans. They are currently serviced through Fedloans. I have made 122 payments and so should qualify for forgiveness under TEPSLF ( I do not qualify for PSLF as I was in the wrong payment program for several years due to bad information from the loan servicers ). I am having an issue with Fedloans where they are showing numerous payments I made as ineligible for TEPSLF due to " No Bill. '' In addition, numerous payments are marked " pending manual review '' and have said that for several months, with no movement. All in all, the counter on the FedLoans website is showing that I have 64 eligible and 58 ineligible payments for TEPSLF. All of the " ineligible '' payments are from before XXXX when my loans were being serviced by other servicers ( Direct Loans, XXXX, XXXX XXXX, and XXXX XXXX, and they all say " No Bill '' or " Pending Manual review. '' I have paid my student loan payment every single month since it first came due in XX/XX/XXXX. I have talked to customer service at FedLoans and they tell me it can take a YEAR for the manual review to occur! As I am eligible for forgiveness right now, I should not have to wait a year due to accounting errors or lack of information in FedLoans own records. Is there any way you could help me resolve this issue?
Product: Debt collection

CRIMINAL INTENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Under penalties of perjury above names and JPMorgan claims they have an original promissory note and mortgage signed by me to them which is a fabrication and false, lies. I never have signed any documents with them. 
For over 12 years they've called and harass me threaten me 2 and 3 times a day over 3000 phone calls. 
See Frivolous, Malicious, Wrongful lawsuits : 2019-012876-CA-01, 2015-003933-CA-01,2013-035740-CA-01,2008-058441-CA-01,2008-047293-CA-01. 
We suffer from XXXX XXXX now, XXXX XXXX XXXX, this is all over the internet as delinquents. 
All I did was get a VISA credit disclosure from Washington Mutual which was terminated in XX/XX/2008. see  enclosed. 
Please HELP Help. We are retired and can't cope with this anymore PLEASE HELP ME ...
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXXL Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1000.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX Balance Owed : {$430.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX Balance Owed : {$580.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX XXXXXXXX Balance Owed : {$6500.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

DP OF EDUC XXXX Balance Owed : $ XXXX Delete this Unknown account unless you can provide me with proof of a contract with my signature. 

XXXX XXXX XXXX XXXX Balance Owed : {$460.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account.
Product: Credit card

On XXXX there was a fraudulent online application submitted using my personal information with PayPal Credit. I did not request this line of credit. I was alerted by XXXX and responded that I did not initiate this request for credit. XXXX contacted PayPal and confirmed that an account had not been established. I have requested that PayPal remove this application. I am submitting this affidavit in lieu of filing a police report.