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

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax concerning inaccurate information on my credit report. I believe their actions constitute negligent noncompliance under 15 U.S. Code 1681O. 

Details of the dispute : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Despite my efforts to resolve this issue directly with the credit bureau/creditor , no correction has been made. As a result, I request that the CFPB investigate and hold the responsible party accountable for their failure to comply with the FCRA. 


Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  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: Vehicle loan or lease

Gap loan was not applied. Loan and late fees have impacted my credit negatively after car illegal manufacturers flaw. Loan services Global lending services is the financial establishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX has been reporting 0 income for the last month and Ive been getting denied for GUARANTEED APPROVAL CREDIT LINES. Its Hurting me And my businesses. Theyve been Fixing the problem for months!!! The dispute was not resolved.
Product: Payday loan, title loan, personal loan, or advance loan

I believe there's a chance that XXXX loan payments I made to this account were not properly credited, based on the fact that the remaining balance never changed after both payments. 

After a payment of {$23.00} on XX/XX/2023, my remaining balance showed as {$18000.00}, which I assume is accurate and I have no reason to dispute that number. 

But on XX/XX/XXXX, I made a payment of {$8.00}, yet the remaining balance on the loan only went down by XXXX XXXX, to {$18000.00}. 

On XX/XX/XXXX, I made a payment of {$8.00}, and my remaining balance remained the same, showing {$18000.00}. 

I did call the company to inquire and the agents said they saw the payments and did not know why the balance did not change. 

Unsatisfied with the lack of clarity on why the balance didn't change after XXXX payments, I am seeking the CFPB 's assistance in getting the loan company to appropriately address this. 

The balance may have been correct and there may not have been error on Light Stream 's part, but I'd like someone to see my attached screenshot and just explain that to me. Or, if there was possibly an error on their part, I'd like them to acknowledge it and correct it. 

Thank you for looking in to this matter!
Product: Checking or savings account

XX/XX/2023, credit reversed, {$1100.00}. This was a lost package not successfully delivered by XXXX and its from XXXX. The bank said they couldnt credit this dispute because XXXX stated the package was successfully delivered, even without a signature Or a photo proof of delivery.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - 1999 Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX L - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Mortgage

I XXXX applied for a mortgage on or about the year XX/XX/XXXX. I applied for a mortgage amount approximately of {$150000.00}. I filled out a XXXX form and supplied all necessary documentation along with signing a XXXX form so the bank who originated this no income check subprime mortgage could verify that I can afford it. The bank who originated this mortgage committed fraud in the fact that they never audited and ordered my XXXX directly XXXX to verify my actual income and stated what it was instead. Furthermore this mortgage/note was originated XX/XX/XXXX as a 5 year interest only mortgage. Nationstar Mtg has never adjusted the mortgage/note to reflect P.I.T.I The current mortgage/note XXXX and now servicing with Nationstar Mortgage Loan # XXXX on my Property : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX, my S.S. # is *********** D.O.B. XXXX/XXXX/XXXX. XXXX Bank and XXXX XXXX XXXX are committing the following Fraudulent and Federal Law violations:2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. VIOLATIONS OF HOEPA ; 11. RESCISSION. 
12. MAIL FRAUD IN BILLING AND CONTINUALLY BILLING TO THIS CURRENT DAY.
Product: Payday loan, title loan, or personal loan

On XX/XX/20 I was looking for a car title loan. XXXX came up on my XXXX search. In fact they are the only one that did because these types of loans are illegal in Ohio. Since I found this out I've stopped paying and have asked for my title back. They are deceptive and operate using fake storefronts. They are threatening repossession. I spoke to XXXX XXXX XXXX and they claim they don't make these types of loans. They are listed as a lien holder on the title. Im at a loss as to what to do.
Product: Checking or savings account

XXXX XXXX, XXXX $ have call citi bank to know when im getting my funds but no reply
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

This complaint is with PayPal. Their app has names of people I dont know in it.I went to send someone money and it sent it to a woman I dont know. They did not help me with getting the funds back. 

The amount was $ XXXX was sent on XXXX XXXX immediately contacted PayPal to ask them to stop payment and they wouldnt.
Product: Credit reporting or other personal consumer reports

XXXX HAS FAILED TO PROVIDE PROOF OF MY ASSOCIATION AS AN AUTHORIZED USER WITH ACCOUNTS WITH VERIFICATION SUCH AS WET INK SIGNATURES. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2024 I am writing to formally request that you cease and desist from reporting me as an authorized user on the credit card accounts [ XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX ]. Despite numerous requests, you have failed to provide any proof of my consent to be added as an authorized user on this account. 

As a consumer, I have the right to verify and confirm any information that is being reported on my credit report. It is essential that you comply with this request and provide documentation demonstrating that I have indeed given my consent to be added as an authorized user on these accounts. 

Until such proof is provided, I insist that you immediately remove this debt and cease any further reporting of this information to the credit bureaus. Failure to comply with this request will result in legal action being taken against your company. 

I trust that you will take this matter seriously and act promptly to rectify this situation. 

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

I have file a dispute a couple of times about the same situation. XX/XX/XXXX and XXXX, XXXX. The investigation was not done properly. Experian did not investigate my dispute properly
Product: Debt collection

Today XX/XX/2020 i recieved a bill from Business Revenue Systems ( colection agency ) stating that XXXX XXXX XXXX sent my bill {$45.00} to collection. They sent a bill to collections for a service I never received. I never heard of this company, and I HAVE NEVER EVER recieved a services, nor any bill prior to this " collection ''. I looked at XXXX XXXX XXXX web siteand it looks like it is a scam and many people are experiencing the same based on the reviews. I want this company to stop sending me any correspondence, and to leave me alone. I WILL ALSO FILE A COMPLAIN WITH A XXXX. This is unacceptable.
Product: Debt collection

When I had moved from XXXX XXXX Apartments inXX/XX/2016I had preformed all necessary checks with the front office to ensure I left the property in good condition prior to moving. Due to the harassment, and quite frankly, discrimination from the front office they elected to attempt to bill me further for services that were not warranted nor rendered. This debt is invalid and not owed by myself. I request the negative reporting to be removed immediately as it is in violation of the FDCPA and FCRA.
Product: Credit reporting, credit repair services, 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. I have the rights 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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

MCM # : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
Original Account # : XXXX XXXX : The XXXX XXXX Consumer I filed for bankruptcy on XX/XX/2020 and listed Midland Credit on my bankruptcy petition. Midland Credit deleted the trade lines from my credit reporting file after my bankruptcy was filed. However ; the following month they re-reported this information to XXXX  showing it as an open collection item although they were clearly listed in my bankruptcy petition. They have indicated in my CFPB resolution that they stopped reporting the account to the 3 credit reporting agencies which is obviously not true based on the attached documentation showing them listed as a collection item on my XXXX  credit bureau report. It seems as though there executive offices have issues understanding my complaint. I did not indicate I want the trade lines deleted but more so if they cant report them accurately to show them as included in my bankruptcy that they should delete the reporting as that they have indicated in there resolution contradicts what actually occurred on my consumer credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed 8 erroneous late payments that were showing up on my credit reports, and Equifax finally removed 7 of them a few month ago. NOW, I pulled my credit report again, and they have illegally REINSERTED the same late payments again without notifying me at all, which is a violation of the FCRA. Not only did they REINSERT them, they also are reporting that they were 90 days late, but not reporting 60 or 30 days late before that. That is also a violation of the FCRA, and inaccurate. I was never late on these accounts, and they had removed the late payments for MONTHS, and then suddenly reinserted them. The accounts are all " Dept of Ed/XXXX '' accounts. The account numbers are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Recently I've submitted a dispute letter to Equifax asking them to update and remove anything that's reporting inaccurate to my consumer report. They responded with a letter stating that they don't believe I sent in the dispute letter. I am aware of 15 U.S. Code 1681- Congressional findings and statement of purpose, and that Equifax is reporting inaccurate information. I am asking them investigate my dispute letter that's included with this complaint. These inaccuracies that are under multiple violations are negatively impacting my credit score limiting my ability to obtain any funding or relationships with any potential lenders. In accordance of 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ), and that it states that you must remove anything that's inaccurate. Violations committed by Equifax. 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried multiple times to contact Experian to delete multiple names/variations from my account, and either they have denied or made false promises. The first attempt was over the phone, and I was denied. The second attempt was through letter ( which included my Identification card and bank statement ). They denied my request and said it was someone speaking on my behalf. The third time I called them to confirm it was me wishing to change my personal information, and they agreed to remove it. They showed me they removed it, but did not. 
I believe they also have multiple names on my record that I'm not able to see.I received a credit report to someone of a different name/possible strange spelling to my residence. 

I have tried multiple times to remove this information in a kind manner, but the information is now damaging. I also has a debt collector coming after me under XXXX of the false names ( XXXX XXXX XXXX ''. When they removed XXXX name, the debt collector changed the name to " XXXX XXXX '' and sent it to my residence. 

Please, help me get these names off my credit report. I only go by the name XXXX XXXX XXXX.
Product: Student loan

I have 3 Personal Plus Parent loans for both my XXXX  XXXX, and XXXX  XXXX. 
XXXX went to XXXX XXXX  for one year. XXXX went to both XXXX XXXX and XXXX. 
Navient shows interest that is twice the original loan amount. I have been on Unemployment for 2 years and not able to pay. 
I am looking for forgiveness under the American Rescue Plan of all the loans. 

Please advise. 

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

I was a young girl and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below accounts that were used without my permission or knowledge : XXXX XXXX  XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Product: Student loan

I received a call from SLFA ( Student Loan Financial Assistance ) who stared they could take over my defaulted loan and lower my payment. They laid out a payment plan that would work for me and asked me to send in document to get everything started. They indicated that I was accepted into the program and asked for the first payment of XXXX which they automatically took out of my account and said my first payment would be due in XXXX. They also stated an advisor would contact me. I havent heard anything since although Ive attempted to contact them multiple times via phone and email. I saved the emails that I received from them.
Product: Mortgage

Last year, around XXXX, my monthly pay was {$3600.00} I signed a paper to refinance and I agree all information about the new refinance and new payment, being {$2800.00}, but later they called me to inform me that I couldn't refinance because I was in the COVID program for five months. They also told me that when I had to start paying my mortgage for three straight months, they were going to be able to refinance it. However, they lied to me about this. No one calls me or writes me back about this situation. I was reading an article about California 's laws that they could do me a loan modification, but they don't respond to the emails I keep sending them. I was thinking about doing a complain because I don't have enough money saved to pay the {$3600.00}, now that all of my salary is for the mortgage. The company is Freedom Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Experian asking them to explain their verification methods. I never received anything from Experian but I have proof that my letter was received.
Product: Debt collection

I have spam blocker activated in my phone so I can't answer the calls... they are trying to collect a debt from XXXX 's Rental from 2010 and call at least 5 times daily ... I can give exact times if needed. The name of the company is ASG Recovers.