23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was laid-off from my XXXX job and was not able to make all of my monthly mortgage payments. This is a result of XXXX different layoffs ( being unemployed ) which exhausted my savings and 401K, giving me no recourse but to miss payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to equifax and asked them to remove XXXX with account # XXXX, and XXXX XXXX XXXX  with account # XXXX that I did NOT give written permission for them to place on my equifax reports
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA Savings Bank has reported me as deceased, I am not DEAD Fix my credit report
Product: Debt collection

I was called by a representative of XXXX ( XXXX ) XXXX, who refused to give his name. He threatened to bring a law suit against me for a long past debt from Citibank NA, that is almost 7 years old. The debt is from Maryland which has a 3 year statute of limitations. When I informed him of this, he said first that Maryland has a 5 yr statute ( which was a lie ) and claimed that my debt was only 3.5 years old. He then claimed that Maryland has a 7 year statute ( which is also a lie ). 

He claimed that no matter what, they would be filing a lawsuit in Maryland for debt collection. This has not yet happened. 

When I pointed out the law to him, and also pointed out that the debt had been settled in my opinion from a past agreement with Citibank, he threatened to call my current employer and inform them that I owe a debt. 

In retaliation they added a debt collection notice on my credit report on XX/XX/2017. They listed debt as 2 years, 4 months old ( a lie ) when it is actually almost 7 years old.
Product: Debt collection

FAIR COLLECTIONS & OUTSOURCING XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX i want this collection off my credit it does not belong to me i dont owe fair collections any money, i want to see a contract, you cant provide a contract i want this deleted off all 3 credit reports if not i will sue XXXX XXXX and XXXX and fair collections this is a easy win. be smart delete it
Product: Debt collection

I was charged for dates that I did not occupy the unit. I have proof ( receipts ) of where I stayed during the months i was charged. 

I was charged a fee by grandstand for leaving with out notification. Thats untrue i have emails where I was asked to leave. 


I was charged for keys. I gave keys to staff. I have proof reflecting that information. 

I was charged for trash. I have paid proof where i paid staff to clean what I left in the unit. 

I was charged rent for a month that i paid the balance in full. I have proof reflecting it because rental assistance covered the amount.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666b - Timing of payments I was not made aware that I was late. I was not contacted or informed of this information. 

15 U.S. Code 6802b I never opted in to have my information released. I was never provided an option to opt out. 

15 U.S. Code 1681a ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
Product: Debt collection

Jefferson capital SYXXXX XXXX {$1000.00} requested original contract, bought debt did not show original creditor or contract XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX {$2700.00} Bought debt did not show original creditors or contract Hard inquiries that I did not authorize XXXX XXXXXXXX ( Bank ) - XX/XX/XXXX XXXX XXXX XXXX XXXX Finance XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bank XXXX - XX/XX/XXXX XXXX XXXX ( Bank ) XXXXXXXX XXXX ( Construction ) - XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXXXXXX XXXX XXXX ( Finance ) - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I got a notification from XXXX about a change to my credit report. XXXX XXXX XXXX was reporting me as 150+ days late. I had entered a forbearance in XX/XX/XXXX un the CARES act as my salary had been temporarily cut. At the end of the forbearance period in XXXX or XXXX, I was unable to pay the in arrears amount in full. I was given the option to repay over 6 months ( which I could not ) or a modification. I paid the new amount on time each month. It is my understanding that under the CARES act, the mortgage company should continue to report the account as current since it was current before I entered the forbearance period. I immediately called XXXX XXXX XXXX on XX/XX/XXXX and they admitted it was reported in error and they would reverse it, but it could take 30 days. It is still reporting as late on all 3 bureaus. I called XXXX XXXX XXXX on XX/XX/XXXX. The initial Customer Service Representative told me they did not follow the CARES Act. I asked to speak to a supervisor. They told me they would correct the information and would get back to me on Monday XX/XX/XXXX. I still have yet to receive a call. This error has caused my credit scores to drop 100-200 points, depending on the score. Several credit cards have dropped my limits by thousands of dollars. This made my score drop more as it my utilization go up.
Product: Debt collection

In 2013 I had talked with Noll Collection they asked me questions about the debt asked if I had attended the school advised yes then that was it later few months I found out they tricked me into a verbal judgement and they have refused to send me letters of the debt nor have they sent anything about being served for a judgement! They have failed to give mini miranda on multiple times they have threatened that if I do not provide my employer info that they will take any action that they can and hung up on me- They have been rude and unwilling to work with!
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to paying off account XX/XX/2019 the payment history reflected on my credit report showed current and on time for the entire year. 

After paying the account off in XX/XX/2019 through their online portal, the balance owed showed {$0.00} and I know longer had access to the portal. 

XXXX came around and it showed a 30 day late on my credit report for XXXX, but the account had been paid in full prior to XXXX. I contacted the lender and the branch manager assured me the issue would be taken care of, but I would have to wait 30 days until they report to the bureaus again. Throughout this scenario I had made it clear to the lender that I am in the process of refinancing my home and need the corrections to be made ASAP. 

XX/XX/2019 the update reported and instead of removing the error XXXX XXXX went back and added 8 late payments to the account. After the dispute with the branch manager I had deemed it as some form of retaliation to affect the refinance of my house. 

I later met with the District Manager at the office and have the entire conversation documented. He stated that the errors are to do with the companys system issues. The first error that caused these chains of events was XXXX cents in interest that they stated they forgave. The manager said that even though the online portal showed the account paid in full I should have known there was a XXXX cent balance even though their system showed otherwise. He stated that he would contact the credit department to remove the late payments, He stated that they would not remove the late payments which is in their own discretion and suggested that he will discuss with the companys attorney to remove the account. He stated that the attorney stated that according to FDIC they could not remove the account from my credit report which I instantly knew that was not true. 

Imagine refinancing your house, your personal dwelling, and in the process of paying accounts off completely to be Debt Free a company feels the need to attempt to strip the entire process away. Imagine the stress that has been experienced through this month not knowing if I will lose my house because paying off a loan has backfired to the extreme due to this companies systematic errors. I have attempted to reach out to this lender but have received nothing but prolonged responses and disrespect. I am hoping to have this issue resolved to avoid reaching out to an attorney for damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX District Manager : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against Experian for Inaccurate Late Payment Reporting on Account XXXX Dear Sir/Madam, I am filing this formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and has caused undue harm to my creditworthiness. 
Details of the Reported Late Payments : XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
Experian : Late payments reported in XXXX and XX/XX/XXXX. 
XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payments reported on this account are inaccurate and have not been corrected despite multiple disputes.

15 U.S. Code 1681e ( b ) : Credit bureaus are mandated to follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in my case. 
Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments indicates a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements to prevent unfair penalties to consumers. The errors in my account reporting violate these protections.

Resolution Sought : Immediate removal of all inaccurate late payment notations from my credit report for the account listed above.

Written confirmation of the correction from Experian. 
If this issue is not resolved promptly, I will escalate this matter, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

This company Sunset Finance keeps harassing me. They are calling my family even my job. I have told them I am working with a debt relief program and they still call. I have notified the debt relief program and they said they sent out a letter letting them know Im working with them. Sunset keeps calling me and threatening to garnish my check I even gave them the number to the debt relief program and they ignored me. I just want them to stop calling my job and family members. And the threats period.
Product: Payday loan, title loan, or personal loan

I tried to pay the entire loan balance of {$110.00}, I gave the phone rep my credit union routing number and account number on XX/XX/2021. I received an email saying the payment was made. The money was never taken from my credit union checking account and the confirmation code for the payment was XXXX. 

They NEVER processed my payment even the email said they did. I quote the email : Hello, XXXX XXXX PayPal Credit You paid {$110.00} Here are the details Amount paid {$110.00} Paid on XX/XX/2021 PayPal Credit account ending in XXXX Your payment has been applied to your PayPal Credit account balance. 


I have repeatedly tried to contact this company. I constantly get technical errors. I quote : Sorry, there was a technical error. Please try again later. 
Return to PayPal
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightened my concern regarding the security and handling of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2018, my fiancs and I have been harassed at our home by people claiming to own our home or XXXX XXXX XXXX Owns the home. We have filed a fraud alert or my account a few months ago. Since then we have had our phone hacked with random people pretending to be an agent from our various accounts and Spoofing. Like XXXX, XXXX, XXXX XXXX  Cards, Light bill, Water Bill, XXXX and more. Hackers on our phone line asking us for our full social Security numbers or personal unrelated information. I called my house the other day and some strange man answered the phone as well as other hackers. Now my three credit reports have been compromised. There have been several changes to my date of birth, address from home to apartment or reporting accounts that are not mines that are delinquent account. My name is XXXX XXXX XXXX and other names have been reported like XXXX XXXX XXXX, XXXX XXXX XXXX, or just plain XXXX XXXX. Im also not receiving my mail, and someone has changed my address and rerouted the mail. XXXX   has removed XXXX XXXX XXXX as a fraud account. However Experian has XXXX  XXXX XXXX on my credit report still after multiple disputes made to their fraud department. 

On XX/XX/2018 I noticed that Experian has deleted my Social security from my credit report. I would like to have someone investigate because Im afraid my identity is being stolen and lose my home due to Fraud. I have some police reports as well. This harassment has happened thru the whole month of XX/XX/2018. These incidences include several other 's involved as well. 

Thank you XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan with OneMain Financial. I was told one interest rate then charged another. They didn't explain the interest rate or that it was compounding interest. 2 years of payments and still have the same payoff amount as I did on day 1.
Product: Debt collection

On  XXXX   XXXX  I received a call on my cell phone and spoke with someone from the company o f RS Clark and Associates. I told th e lady that I am not familiar with their company and have no knowledge of why she would be call. I advised that they do not have consent to contact me in the future and to cease any phone calls. On  XXXX   XXXX  I received yet another phone call from said company with a voice mail being left. This is a direct violation of my rights under the CFPB guidelines and also the FDCPA.
Product: Credit card or prepaid card

I froze my BJ 's credit card after the BJ 's club membership automatically renewed. This would have been in the beginning of this year, prior to XXXX XXXX. I am not enrolled in paper statements and selected that recurring charges not be allowed on the locked card. I then saw an issue on my credit score and logged into all of my accounts only to see the locked card that is not supposed to be accepting charges, recurring or otherwise, and I see they allowed a charge on XX/XX/XXXX. I started a dispute on XX/XX/XXXX and was told to expect it to take 30 days, since I have called back they have told me it would be 2 months and just today ( XX/XX/XXXX ), I was told it would be up to 3 months. I checked and the card still says locked and to not accept recurring charges. As a result of this fraudulent activity allowed by BJ 's on their credit card, my credit score has been greatly affected and I have lost approximately XXXX points. Another credit card was canceled because of this supposed delinquency.
Product: Debt collection

I moved to this property twice. This first time was around XXXX. The second time was around XXXX, this debt was mandatory to be paid in full prior to moving back in XXXX. I was also told prior to move in XXXX, this debt was again needed to be paid in full. In XXXX I personally took money order to apartment complex office paying this debt in XXXX. This is an incorrect collection on my credit.
Product: Debt collection

I am a victim of identity theft I notice an account was open in my name without my knowledge or consent in the amount of {$1500.00} and {$200.00} I have filed a police report with the local sheriff office and willing to pursue legal action
Product: Student loan

XXXX  application submitted XX/XX/year> with all my evidence of XXXX XXXX  XXXX XXXX XXXX XXXX being a predatory school leading many ( thousands ) or student like me in misleading advisory for student loan repayment plan.
Product: Credit card or prepaid card

I applied for an Amex XXXX XXXX on or about XX/XX/21. It was my understanding that I was applying for a XXXX XXXX XXXX Amex card. I wanted to collect travel miles and get access to business lounges in airports. The annual fee was advertised to be XXXX When I tried to link my new amex card to my XXXX account, it wouldn't link. And when I checked billing on the account I had a charge of XXXX for the annual fee. 

I feel like the company may have taken the opportunity to upsell me online. I tried to explain this to the company and get them to switch cards. I'm really unhappy with this situation as I am oversold and not even able to even share all the benefits with my extra card member. 

I would like help convincing the company to let me have the card I thought I was applying for. They have so many different financial instruments that it can be really confusing and I feel they are using the confusion they are generating to take advantage.
Product: Credit reporting or other personal consumer reports

Capitol One is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805. 
I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off. 

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy Act of 1974. 

Account # XXXX Account # XXXX
Product: Payday loan, title loan, or personal loan

I paid off all payments never ever late and I have all paperwork for proof I tried to contact them and call them no one helps just makes more and more harder for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX XXXX , XXXX account # XXXX and the Loan was paid in XXXX of 2018 the account is still showing open on my credit report. I called Westlake Portfolio Management on several occasions regarding this incorrect information and I was told the Westlake took over the account in XX/XX/2018, my question to Westlake is why is the account still showing open on my credit report when it was closed in XXXX of 2018, and I was informed by the supervisor XXXX XXXX XX/XX/18 that if I want this corrected I will have to file disputes with the credit bureaus. Why should I have to go through filing disputes when they should have closed the account in XXXX. Just as easily as they reported the open account to the credit bureaus I feel it is their responsibility to accurately report it closed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these creditors, has violated my rights. Under 15 USC1681 section 602 states : I have the right to privacy. 15 USC 1681 sec 604a sec 2 also states a consumer reporting agnecy can not furnish an account without my written instructions. Under 15 USC 1666B : a creditor may not treat a payment on a credit card account under open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I've obtained a copy of my consumer credit report from the three major credit bureaus to check the information reporting to ensure it was accurate according to USC title 15 1681i ( 5 ). 

I've waited 30 days to receive the investigation results which everything was still on reporting exactly the same on my credit report as the previous month. The credit reporting agencies XXXX, XXXX, and TransUnion did not modify and/or remove any items on my credit report. 

The primary information being reported incorrectly are the payment histories on my XXXX XXXX XXXX, XXXX XXXX, and XXXX accounts. 

This is a violation of the Fair Credit Reporting Act which is harming me from obtaining funding to further my XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive been trying to dispute these accounts Ive reached out to the collection agencies and also the three credit bureaus and they refuse to remove it after sending a police report and ftc. According to the law a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX XXXX credit card Account number : XXXX Amount : XXXX XXXX XXXX XXXX Account number : XXXX Amount : XXXXXXXX XXXXXXXX XXXX XXXX XXXX Account number : XXXX Amount : XXXX XXXX police department : Approved by XXXX XXXX Report XXXX Each account has been investigated by the XXXX police department and declared as fraud