23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

contact by freedom mortgage to move my arm to a fixed rate. 
set the closing like 2 weeks later so on XXXX supposed to close the loan. 
on the day of closing title company calls me and says they docs are not done. 
they are trying to get them done. meeting was at XXXX. 
I had a funeral to attend, so i agreed to meet at XXXX XXXX. 
left funeral early and XXXX XXXX  title company calls and says they still do not have it done. 

had 3 different closing statements go from them owning me money, to me owning money to XXXX. And when questioning mortgage company, they said it was escrow. when the truth was they calculated interest wrong. So call complain and even send email to ceo, asking if his people are really this bad. Talk to them and set it up for thurday to close on it XXXX they call back and say they have to rescheduled it again and tell me if i do not close within the time, then rates and all are null and void. 

So it was scheduled on XXXX and guess what, title company calls at XXXX on XXXX and says they are on there way to close, hour later get a call he decided i need to call him to confirm at XXXX for a XXXX XXXX  call. Was working and unable to call till XXXX. 
So he can not make the XXXX call and gave hiim to XXXX to get here. 

Says can not do it. and reschuled again. 


All of these problems are not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting these inaccurate accounts on my credit report. The accounts reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report are incorrect and need to be corrected : XXXX XXXX XXXX  XXXX Balance : {$17000.00}, XXXX  XXXX XXXX XXXX Balance : {$280.00}, XXXX XXXX XXXX Balance : {$230.00}, XXXX XXXX Balance : {$570.00}, XXXX XXXX  XXXX Balance XXXX {$270.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$0.00}
Product: Debt collection

Hello! My name is XXXX XXXX on XX/XX/2023 I pulled my credit report so I can see what was on it. Im looking into fixing my credit and noticed an unknown collection on my credit report I dont recall having this account. I then sent XXXX XXXX XXXX a debt validation letter certified mail on XX/XX/2023 with a return receipt. I received nothing what I asked for only an itemized billing statement with an addressed thats not associated to me. I ask for proof I agree to this debt with my signature, proof of the amount they claiming I owe is correct and legal, which require all statements and payments history from original creditor. Proof the amount is within the statute of limitation and has not expired. Proof you are the owner of this account, which will require the contract and terms between them and the original creditor. Proof that they are legally licensed, bonded and insured if applicable to collect this debt in my state. For verification purposes, I will need their business license number. They failed to send my requested documents only thing they sent was a itemized billing statement. I then contacted via phone and ask why wasnt the documents I requested for validation wasnt sent. They said they only have what they mail me and they dont have anything with proof with my signature on it. Then I received a letter stating the collection was sold to Mandarich Law Group. I then send a debt validation letter certified mail on XX/XX/2023 with a return receipt and they also refused to send me any documents with proof of my signature on it. On XX/XX/2023 around XXXX a random guy gives my XXXX a summoned to court for me. I was never notified of a lawsuit against me for a debt they failed to send me validation for without proof. I feel like they have violated my consumer rights and failed to follow FCRA guidelines and also ignored my request to not contact me and cease and desist all future attempts contacting me.
Product: Student loan

A few years ago, Nelnet and the department of education started sending me emails for someone named XXXX. I am not XXXX. It is clear, even from my email address that I am not XXXX. I have contacted Nelnet and XXXX MANY times to fix this. On the last occasion, they FINALLY responded to say that I needed to prove to them I am not XXXX. Essentially, they want me to do THEIR job of finding the error they made when entering data. I have an account number for this person from Nelnet that I can prove does not match my own. Today, I received an email saying XXXX has missed several payments. I am very concerned that this person is now getting poor credit scores due to Nelnets negligence. If they are sending me this persons notifications, they could be sending my information to someone else. Frankly, this is terrifying that a government agency has our information wrong in their database. The idea that someone else may have my emails or is getting my personal information has me on edge. I will give them another month before I contact a lawyer.
Product: Credit reporting or other personal consumer reports

The law states 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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.

I didn't give this company any written instructions to furnish my credit report for any reasons. This company is in violation of multiple laws like Identity Theft as I did not provide my personal information to them and In violation of 15 USC 1681b permissible purpose.

I am requesting that they show proof of the written instructions given from me or remove the inquires from all three of the credit reporting agencies ( XXXX, XXXX and XXXX ) immediately as it has caused me to have a bad reputation, character, and denial of credit from lenders due to inquiry.
Product: Debt collection

Advance America allowed a fraudulent loan ( # XXXX ) to be taken out online on XX/XX/XXXX. Information given was all incorrect phone number, address, and employer. They did not verify anything correctly. The money was transferred to a XXXX XXXX account ending in # XXXX. Advance America then turned the unpaid loan balance into a collection agency in XXXX of XXXX called XXXX XXXX XXXX. They also have completely false information and can only match my name, and old street address from over 30yrs ago. This was fraudulent activity.
Product: Vehicle loan or lease

my car was repossed once over a year ago, i paid the full amount to recover my car and be up to date on my payments. now they are telling me that i owe money for that time and wont sent me my car title. i did make a payment in full over XXXX to cover the repossession and fees including current payment.
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 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX LLC never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I had an account for 75 months with Chrysler Capital in XXXX   when covid started I did it two month deferment which would have been XXXX and XXXX of XXXX   I paid XXXX of XXXX. So XXXX and XXXX was supposed to be deferred the payments would have started back up in XXXX. But I ended up paying XX/XX/. Which should have been applied to XX/XX/XXXX   not XXXX. Since then this company has reported me four times late. And the last two were XXXX of XXXX   and XXXX of XXXX   both payments were made and then the account was paid in full. They reported me 30 then 60 days late and 23 nothing is being done to them I have disputed it with XXXX I have called Chrysler Capital I want this rectified I want a letter of apology. And if it has to I want this reported to the attorney general 's office because they have done this to people before and they're allowing them to get away with it.
Product: Student loan

In XX/XX/2018 or XX/XX/2018 I enrolled online classes thru XXXX XXXX. I was looking in my student portal and I noticed that there was amounts of money coming from me to the school. Then I see where their refunded to the school. And apparently I owe the school {$27000.00} around there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have literally disputed items with experian and never got any results!!! They have damaged my future. These accounts are not mines. The company didnt invistegated my claims properly. Ive asked for proof, they sent me an updated credit report nothing validated with my signature or drivers license!!! They are reporting old accounts as open!!! Per FCRA you can not re age a old debt!!!
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 customers, right to privacy and confidentially under 15 U.S.C 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dont know acct # XXXX XXXX XXXX XXXX XXXX Dont know acct # 15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) sections 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 convictions of crimes which anti-dates 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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified accountUSA FUNDS which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that USA FUNDS was not established  by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : OFFICE OF THE ATTY GENER Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

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

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

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity THEFT. 

Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. If not complied with i will have to take legal action. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information.AS of XX/XX/2018 my documents were received by your company. Today is the XX/XX/2018 30 DAYS PASTTHE time allotted. To block fraudulent information on my report. As of todays, date I have submitted a complaint to the following secretary of state, XXXX, Consumer Finical Protection Bureau, and the FTC, letter motorized and the a copy of the police report, Green return receipt. I appreciate prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I sent Experian a certified letter with ALL of my supporting documents regarding an XXXX 30 day late, which included copies of my account being paid on time and an email from XXXX. Experian reviewed my dispute on XXXX and a vague explanation was given saying that the company certified the dispute to accurate. I have sent ALL my supporting documents and I feel as though, Experian is giving me a difficult time.
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 section 602A. 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

I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. 

In accordance with the fair credit reporting act *XXXX* XXXX account number # XXXX has violated my rights and 15 USC 1681 section 602A. States I have the right to privacy. 
15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 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. I am not a third party I am representing myself. 

Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). 

The dates of last payment and the dates last active are DIFFERENT with all three credit bureaus. 
The account status is DIFFERENT with all three credit bureaus. 
The dates for " Date Opened '' are DIFFERENT with all three credit bureaus. 
And again... all of this is PROVEN in the file attached to this complaint.
Product: Credit reporting or other personal consumer reports

Upon review of your inaccurate and invalid response to the Consumer Financial Protection Bureau ( CFPB ), this shall serve as the final submission to the CFPB in an effort to address the aforementioned matter. Failure to rectify this issue will necessitate the initiation of arbitration proceedings against your company for proper resolution.

The original contract, executed face-to-face with the finance manager at XXXX XXXX XXXX, stipulated a term of ( 60 months ), as indicated in the documentation. The contract, which you omitted from your response to the CFPB complaint, is presently in my possession and was revised subsequent to the CFPB 's litigation against XXXX XXXX XXXX. 

It is acknowledged that your business transactions occur through a privately-owned dealership. However, it is imperative to recognize that the dealership operates under your purview, and adherence to the provisions of the Truth in Lending Act is obligatory. Regrettably, the dealership failed to comply with these guidelines, and your attempt to obfuscate their errors via the dispatch of generic correspondence is evident.

Furthermore, despite notifying the representative of the True Lending Act violation and requesting the retrieval of the vehicle, no action was taken until several days later, when I personally contacted the dealership and requested the intervention of a supervisor. Despite informing them that the vehicle was not in use, they insisted on scheduling a pickup, contrary to the stipulations of the True Lending Act. 

On XX/XX/year>, we dispatched documentation directly to your company along with our request. Your response, acknowledging " identity theft, '' is both erroneous and inadequate, as there has been no occurrence of identity theft. Enclosed herewith is the pertinent correspondence for your review. 

I hereby demand that all credit reporting activities concerning this matter be suspended until a resolution is reached either through the CFPB or via direct arbitration, per your preference. 

This communication shall serve as a record for future reference in the event that arbitration proceedings become necessary.
Product: Student loan

My loan was transferred to MOHELA for servicing several years ago. My balance at the time was around {$81000.00}. I am entering my 12th year of repayment and I still owe {$81000.00}. I have been paying {$250.00} per month for over ten years. When I call MOHELA, they tell me that they only keep two years of records. They say that I have additional accrued interest due to a forbearance we took when my husband had XXXX. My loan was in graduated repayment for thirty years, but their site says my loan wo n't be paid off until I am XXXX, almost 30 more years, so they have changed it to 40 years without notifying me. I can get no information from them on what amount is applied to principal, what they original balance was when the loan was transferred to them, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, {$270.00}, XXXX XXXX  XXXX XXXX  Representative stated to me that they will remove this fraudulent account because of false information.I have no Knowledge of this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus... XXXX, XXXX, Transunion have other credit profiles that are reporting in my name. Under 15 USC 1681..I have the right to privacy, and 15 USC 1681 602 ( 4 ) 604 ( A ) 623 .... duties of a data furnisher. They must follow federal law to the letter. Which they don't... They use 3rd party data providers to do their investigations. Which is Fraudulent, and Misleading. THEY need to correct ALL credit profiles... remove all old accounts. Profiles like my fico... vantage score, and any other profiles that they create I my name... .profiles for banks Mortgages, Auto loans ETC. ALL profiles should be corrected for accuracy. I also would like to opt out of ALL DATA PROVIDER ... that supply my information to the bureaus. XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX.. and all that wasn't mentioned! According to XXXX XXXX XXXXI HAVE A RIGHT TO PRIVACY. ANY further acts need my personal consent. By writing, or verbal consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies are required by law to report true and accurate information on a consumer credit file. Every measure must be taken to avoid inaccuracies, false and misleading information. I have submitted proper documents involving some accounts reported fraudulently on my file. The Fair Credit Reporting Act gives me the right to request information be blocked. Every measure should be taken to prevent reinsertion of accounts once they have been removed. I have been treated like the suspect who is using my identity instead of the victim who is suffering. Experian has been acting nonchalant in reference to my issue. I have requested sign documents with my signature from Experian and Creditors involve. I have receive nothing to support the continuation of the following accounts remaining on my credit file. I have a right to know what information Experian have receive in reference to the following accounts. I should not have to suffer because someone else has open accounts in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal info was stolen and used without my consent. This issue has caused me to become depressed and homeless. I refuse to pay any debts that I did not take. This is my formal complaint to get these items removed off of my credit report. 

XXXX XXXX  {$510.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$3100.00} XX/XX/XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$8500.00} XX/XX/XXXX XXXX