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

On XX/XX/XXXX and again on XX/XX/XXXX, The Law Offices of Mitchell ran my credit, they also reported falsely that I owed money to a XXXX XXXX XXXX or another 3rd party. This is a violation of the Fair Credit Reporting Act, they do not have factual information. There is nothing backing up their allegations besides unsubstantiated claims. I never applied for credit, I never guaranteed payment, I never signed anything and I never gave out my social security number, it must have been obtained from another source. This company " XXXX " has blatantly violated the FCRA requirements for reporting in an attempt to " Extort " money and tarnish my name. It is my understanding that in order to publish false claims in attempt to ruin someone's credit they must factual information, they do not. 
Please look into this
Product: Payday loan, title loan, or personal loan

So I leased bedroom furniture through Acima credit. And I have had this furniture for almost a year with no issues or missed payments. All of a sudden I received and email saying my account was passed due. So I reached out to Acima Credit in regards to the past due amount and ask if they could put the past due payments to the end of the loan and of course they said no. Honestly this company is so ridiculous with not working with people who were on time since they leased this furniture. I cant afford to pay them the past due amount only weekly payments which I was doing. And please take the late payments of my credit. Honestly It was them who stopped taking payments.Yet they harass me with repossession threats!
Product: Credit card

After reviewing my credit report I realized that there were items that were fraudulent and not me
Product: Credit reporting or other personal consumer reports

I have paid my bill on time with an automatic ach debit payment for over a calendar year and more on the twenty fifth of every month. XXXX social security number compromise. 

XXXX XXXX XXXX XXXX-This situation involves capital one, XXXX & 2025. All completed payments and listed transactions have been satisfied while the entire time it's never once reported a successful payment and over a few calendar years. 

I have disputed it numerous times and also have followed numerous guidelines and channels, to correct the information and continue the information to remain correct factual status. 

I have received XXXX Credit building ; positive remarks or notations. It's potentially negative status has done nothing but cause negative remarks and negative information to anyone inquiring. It needs to be adressed and a solution applied. The company still chooses to not accept liability and also because of that response, there has been XXXX change even as I continue to pay the bill every month in full to the agreed amount that both of us have signed integrade to both of us, meaning capital one and myself.As the consumer. 

XXXX ) XXXX the company experience contacted me over my chase bank credit app and mentioned there was a data breach in that my social security number was compromised.. 

This has caused unnecessary freezes on my account as well as alterations and um, and you know, financial adjustments that contributed to nothing but negative remarks and all things entailed. When situations like this occur on top of everything that has taken place. I have yet to receive Any settlement or compromise from the company Itself. i've been left with no one to talk to and no one accepting liability for the breach that occurred unbeknownst to me. Completely out of my control. 


Truly, XXXX XXXX XXXX
Product: Mortgage

I am a XXXX in the state of Georgia and I was hired to repair a home that had been damaged by a hail storm. The insurance check was sent to the homeowner in the mortgage companies name, Ditech Financial LLC, and the homeowners name. The homeowner endorsed the check and sent it to the mortgage company. After completion of the work the mortgage company was supposed to send a check back to the homeowner in my name and the homeowners name so I would be paid for the work. I submitted all requested paperwork to the mortgage company and they refuse to pay me for the work. The home owner and myself are on good terms and all work was preformed to the satisfaction of the homeowner.The mortgage company is stonewalling the payment for no apparent reason. I have been lied to by the mortgage company several times and at this point believe that the company has no intention of paying me. I have been left with no other option but to sue the homeowner for the amount due which is going to destroy our good relationship.
Product: Consumer Loan

For all practical purposes, tdautofinance makes it impossible to make payments directly to principal ( extra payments for that purpose ). On my first attempt, i mailed the payment with the notation on the check AND a detailed instruction on my desire to apply it to the principal. this never happpened. after several calls ( LONG call waits -- more than an hour before i got through ) they said 'no one reads notes with the payments -- just call us next time ). eventually this did get applied to principal ( with MUCH work ). I recently attempted to make another extra principal payment. I called them ahead of time to tell them I was going to do it and submitted in online while on the phone. They said they would take care of it, but for good measure, i used their website to message them about the phone call i just made, restating my desires to make a PRINCIPAL payment ). A week later, it 's evident that this money was not applied to principal, but to more than a year of payments. this is messed up. I believe this is a deliberate effort on the part of this company.
Product: Money transfer, virtual currency, or money service

Zelle has proven to be an unsafe payment platform, as it lacks sufficient safeguards to protect users from fraud and unauthorized transactions. Unlike credit card payments, Zelle transactions are instant and irreversible, which makes it an attractive target for scammers. Many users have reported being tricked into sending money to fraudsters, with little recourse for getting their funds back. Banks that support Zelle often fail to take adequate responsibility for these issues, leaving victims without proper assistance or compensation. The systems lack of consumer protection creates a significant vulnerability, especially for those who aren't aware of the risks or how easily fraud can occur
Product: Credit reporting or other personal consumer reports

I checked my credit report today and it said my credit declined by XXXX points on XXXX XXXX. This was confusing for me because i just checked my credit score a few days ago and everything looked fine. So I looked in the reports to see why my score dropped XXXX points and it says a XXXX  credit cards was opened under my name on XX/XX/year> and has a balance of {$480.00}. This was NOT me who opened this account and this is very concerning for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent : XXXX {$530.00} XXXX  {$190.00} XXXX XXXX   XXXX {$110.00}
Product: Credit reporting or other personal consumer reports

Pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) Experian was required to block the reporting of any information in my file that I have identified as information that resulted from identity theft, not later than XXXX business days of receipt. 
On XX/XX/year>, I called in a dispute regarding fraudulent information on my Experian credit report and requested a block of the information, namely XXXX XXXX XXXX. Experian said that it would not provide me with a dispute case number and would investigate in XXXX days and not provide me with the statutory XXXX day block. Pursuant to the above statute, Experian is required to block the information on or before XX/XX/year>. 

I have provided XXXX separate proper identity theft reports to Experian pursuant to 15 U.S.C. 1681a ( q ) ( XXXX ), yet Experian has communicated to me that it intends to fail in blocking the inaccurate information and will continue to publish the inaccurate information in violation of FCRA XXXX ( 15 U.S.C. 1681c-2 ). Experian continues to publish and disseminate such inaccurate information to other third parties, persons, entities and credit grantors in violation of the FCRA. 

Experian has denied my request and my right to immediate action by blocking and deleting the above information on my credit report resulting from identity theft within XXXX business days.
Product: Mortgage

My loan was sold from XXXX XXXX  to M & T Mortgage I was told it would be the same loan.Then Iam trying to make a payment before XX/XX/XXXX on XX/XX/XXXX and they will not accept it saying the send a demand letter and now have to pay the full amount by end of month.
Product: Credit card or prepaid card

On XX/XX/XXXX a charge for XXXX and a charge for a spa was on my credit card with Bank of America. I contacted Bank of America to dispute the fraudulent charge, however I would like for you to look further into this as I have been a recent victim of fraud.
Product: Credit card

Paypal Credit pulled my credit score without my consent, resulting in a hard credit inquiry on my credit report. The last time I was on Paypal, all I did was update my profile by adding my new bank account and my SSN. I just saved the information to my profile, I did not consent to them running it for Paypal credit. After doing some research, this has happened to many other people. It 's like as soon as they have your SSN, they take that as an okay to run your credit. The only thing I was doing was trying to get my profile as updated and completed as I could.
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, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX XXXX Account name : XXXX XXXX  # XXXX XXXX Account name : XXXX XXXX  XXXX # XXXX XXXX Account name : XXXX XXXX XXXX  # XXXX, Account name XXXX XXXX  XXXX XXXX  # XXXX, Account name XXXX XXXXXXXX XXXX XXXX # XXXX, Account name XXXX XXXX  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 that the information is inaccurate.
Product: Student loan

I have been trying to get in touch with this company who now services my loans ( Nelnet ) multiple times with no success. I emailed them on : XX/XX/26 and received an automatic reply : Thank you for your email. We apologize for not responding sooner. Were currently experiencing unprecedented email volume, which is preventing us from responding to your specific question ( s ). If youve already contacted us by a different means and/or resolved your issue, please disregard. Otherwise, we believe that one of these options may be the best way to find what you need : where you can view your loan details, apply for repayment assistance, and more. 
For answers to common questions, check out our FAQs page. 
For information about all aspects of federal student aid, please visit StudentAid.gov.

And never heard back from anyone. 

I have been trying to call them with questions on my account 5 times over the past 2 weeks. I have Waited on hold for as long as two hours with no answer. 

There is absolutely no way to get in touch with them regarding my account and this is unacceptable. 

I wanted more info on forbearance for a natural disaster, which they emailed me about and instructed me to reply to the email to say yes to opt in. This was never replied to and my account has no forbearance applied.

This servicer was not my original loan servicer and took over the student loans after the COVID pause ended and is completely inadequate in handling any form of my personal finances. I will not be making a payment until I speak to someone at this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered some inaccurate information in my credit report after looking into it. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), the XXXX credit bureausmust authenticate these items ( 1 ). ( A ). If no proof is provided within the specified time frame, it is unacceptable to classify these reporting items as unverified information. Specifically, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), kindly look into the unverifiable items right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a couple of items on my credit report which have been removed from both XXXX and XXXX but they say they have completed the investigation on my Equifax report cant view it and it doesnt look like anything has changed. Every time I try to view it say it is currently unavailable or that it cant be viewed.
Product: Debt collection

I requested validation of debt via live signature contract and I received no information back regarding validation of debt.
Product: Credit reporting or other personal consumer reports

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is XX/XX/year>. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My phone number is XXXX. I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit report showing these changes mailed to XXXX XXXX XXXX XXXX XXXX NY XXXX. Thank you.
Product: Credit card

In XXXX XXXX I closed a America Express account managed by XXXX XXXX XXXX. The outstanding balance was XXXX. The last time that the account was available on line was in XXXX XXXX there was no balance outstanding. Several months later in XXXX XXXX accepted a charge to that account using the closed account number, an card expiration date 10 months in the past for approximately {$97.00}. XXXX XXXX XXXX accepted the charge to an account closed 7 months previously with an account number terminated 10 months prior with an expiration date 9 months in the past. From XXXX to XXXX XXXX they then charged interested and late charges without ever contacting me. In XXXX XXXX, 14 months after closing the account and 7 months after the charge I received in the mail the account was significantly in default with {$150.00} in late charges. I do not accept that the XXXX account should have accepted the charges. XXXX XXXX XXXX currently lists my FiCA score as XXXX perfect, and XXXX list the account as closed in with XXXX outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Former XXXX XXXX XXXX, Captured My Employee Personnel File ; And, Applied For Credit Via -- -- -- -- -- -- -- -- -- FRAUD AND ONLINE APPLICATIONS. All 3 ( THREE ) Credit Reporting Agencies, Are Reporting Incorrect Information Upon My Credit Profiles.
Product: Credit reporting or other personal consumer reports

Western Alliance Bank reported the late payment on XXXX, XXXX, XX/XX/2023 to all 3 credit bureaus for all three loans ( Loan # XXXX, XXXX and XXXX ), while those three months were the review period of mortgage assistance application.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX account ( XXXX ) was determined to be sent to a collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX that does not have the proper permits to collect debt in the state of Texas, the collection account from XXXX XXXX XXXX XXXX originated by XXXX XXXX is incorrect and reported on my credit report without my authorization. I do not own this debt. 

I would like the following verified account open and the account charge off dates account status verify how the account belongs to me account balance and payment history account ownership authorization of account being reported I contacted XXXX XXXX and also XXXX XXXX XXXX XXXX and requested this information to be verified, removed and updated. they declined.
Product: Credit reporting or other personal consumer reports

I have submitted a dispute to Equifax on XX/XX/year> regarding the inaccurate and incomplete payment history pertaining to the account listed as " XXXX XXXX ''. If the payment history of this account can not be verified as 100 % accurate and complete it is their responsibility to permanently remove the account from my credit report. My records show that the payment history being reported is inaccurate and I have attached supporting documentation of this in my dispute with Equifax. If the payment history of this account being reported, is verified after reinvestigation then account level documentation must be provided as proof for this verification. This inaccurate and incomplete information has caused a significantly negative effect on my credit score, financial reputation, and creditworthiness leading directly to me paying higher interest rates, decreased credit limits on existing accounts, and denials of obtaining new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a secured credit card with SELF FINANCIALXXXX XXXX which I opened XX/XX/XXXX. The account number in reference is XXXX. 

There are several discrepancies being reported to each of the XXXX credit reporting agencies. 

The first discrepancy is that when I initially opened this account ( XXXX XXXX ), I only placed a {$100.00} security deposit for the secured credit card account. This does reflect my statement with the account being reported with a {$100.00} credit limit to the credit reporting agencies. 

The next discrepancy is that the account only has ever had a high balance of {$110.00} which exceeds the credit limit of {$100.00} applied to the secured card as a deposit and final payment should the account be closed. 

SELF FINANCIALXXXXXXXX XXXX reports that this account is in a charge off status as of XX/XX/XXXX with a past due amount of {$61.00}. 

If the past due amount is {$61.00} and the only highest amount is {$110.00} that the account has ever been then this would settle the account in full. 

I also received a notification via e-mail in XXXX stating that my account had been closed and SELF FINANCIALXXXX XXXX  would direct deposit {$75.00} due to closure. I received the {$75.00} then I have this account reflecting as a charge off on my account. There are obviously several discrepancies that are carelessly being reported to the credit reporting agencies based on this information.
Product: Mortgage

The servicing of my loan ( XXXX XXXX ) was transferred from XXXX XXXX ( loan # XXXX ) to Loan Care Servicing ( loan # XXXX ) XX/XX/2016. I made my scheduled XX/XX/2016 payment to XXXX mortgage on time but my new servicer ( loan Care ) is not giving me credit, they claim the payment has not been forwarded as required. XXXX XXXX claims it was sent 2 business days after receiving my XX/XX/XXXX payment. I am now receiving threatening letters and loss mitigation threats to perform by Loan Care. I have contacted both companies and each has not helped, my credit is now in jeopardy even though I have made all payments on time. I am being coerced into making additional payments that are not due to avoid damaging my credit. A 30 day late mortgage payment would have lasting consequences to my credit and cause serious financial damage.
Product: Vehicle loan or lease

Today and for the past 3 months, I have had intense financial distress, and been unable to meet all my obligations. One of those obligations has been my car loan. Everyday I receive no less than 5 calls from XXXX XXXX concerning the vehicle. These calls are harassing, and when I do speak with someone they don't offer any resolution to my problem. The amount of phone calls I receive is outrageous, and it's throughout my work day, and the weekends, they never stop calling. I even had a note stuck to my front door concerning calling them. I have asked them not to call me during my work hours, that lasted about 3 days, and then right back to the repeated calls.
Product: Debt collection

ZIONS DEBT HOLDINGS Reported : XXXX XXXX, XXXX - {$1100.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1100.00} Highest Balance {$1100.00} Opened XXXX XXXX, XXXX ( 2 yrs, 2 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name No Info Closed No Info This is from XXXX. ( 1 ) There is nothing informing who the original creditor was, ( 2 ) no date of alleged debt. ( 3 ) no contract that ties my information to debt. Under the fair credit protection act, this company hasnt provided information to reporting agencies to make this debt legal