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

I recently sold my home in XX/XX/XXXX. All liens that were against my home was paid off in full before I could sell the home. I opened an installment loan with a company Republic Finance on XX/XX/XXXX. I attempted to do a debt consolidation with a company called XXXX XXXX XXXX XXXX which never solved the issue, in which my Republic Finance Installment loan was sold to a third party collection firm named XXXX XXXX. The original loan amount from Republic Finance was XXXX. XXXX XXXX had raised the loan amount total to XXXX stating that was interest applied to the loan. The payoff date later was good through XX/XX/XXXX, and my home was sold on XX/XX/XXXX. The loan is paid in full, and closed ; but the company Republic Finance refuse to cancel the balance to 0.00, and states charge off on my credit report as if I still owe a payment I have all legal paperwork to include that it was paid off.
Product: Credit reporting or other personal consumer reports

I have 12 unautorised hard inquiries on my credit file and these reports were even repeated by the same companys, I have contacted them to have it removed, but each time I call, they tell me there's nothing they can do about it and always send me back k to the credit bureaus. 

After contacting the credit bureaus I was giving this site to make a report and also send some documents requested from the credit bureaus to complete the dispute.
Product: Credit card or prepaid card

I checked my credit using XXXX on XXXX. I noticed that my credit points dropped significantly. I then noticed that I have a new account opened, opened in XXXX. I have not opened any new accounts since before the pandemic. I noticed that XXXX dollars was charged. I called Target and I Talked to a team member on the Fraud department and she said that two charges were done on this new account : XX/XX/2022 for XXXX and XX/XX/2022 for XXXX. 
I did not open nor make these charges on the Target Credit Card that was recently opened on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Account name 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 connot furnish an account without my written instruction.
Product: Student loan

First with XXXX & now with Aidvantage, over the course of many years, I have been forced into forebearance, have very high repayment amounts, mounting interest applied to my loans, inability to get into a method which allows loan reduction, extreme difficulty even logging into my account, & extreme wait times on the phone, etc. Because I am a nurse, most every person that I talked to previously doesn't believe that I can not afford a XXXX XXXX monthly payment. Because of the way that the public views XXXX, they think that I am rolling in the monetary dough. Nothing could be further from the truth. I started XXXX in California in XXXX, at XXXX XXXX/hr. Even though I have been a XXXX for 40+, I still have to work to survive at XXXX years of age. I get a small pension in addition to SS, & I work to add to that to live. Currently, my rent is XXXX XXXX/month for a 520sq ft apartment in a senior complex. I drive 40miles one way to work because no hospital will even look at my resume at XXXX years old. Because of systemic harassment, gross nepotism & personal harassment that I was subjected to, I left hospital XXXX in XXXX. Getting another job in XXXX was a fat joke at my age. Currently, I have a Per Diem job, working 20-30 hrs weekly. My student loans are so high because I went back to school to become an XXXX since I could not get a raise where I worked due to grossly rampant nepotism. Now, getting a position as an XXXX  is another fat joke. There aren't any really. You have to make your own way & get people to pay for your service. That is another fat joke. Most people only can afford {$20.00} or they only want to pay {$20.00}. I would love to service the poor or veterans with XXXX, but that is even harder to find. Aidvantage has sent me an XXXX, XXXX bill for over {$3000.00}!!!! Do they think that I have a money tree in the back yard???? I don't even have a backyard, I have only a tiny patio. There is no money tree there. You can not get ahold of Aidvantage whatsoever!!!!!! At least with XXXX you could talk to them after waiting forever. XXXX would tell me that I only qualified for forebearance & not an income based repayment plan, nor did I qualify for an loan reduction program. I am an XXXX and a XXXX & I don't qualify for a loan reduction program?????? What kind of craziness is this????? The Federal Student Aid Program is another FAT JOKE!!!!! I can not even log into my account. When I try to reset my user name or password, it just stops working & states there is already an account, but I still can not access it even with my SS # & DOB. Forget Aidvantage-I can not get thru to them thru calling, emails or contact complaints. Now they have sent me a bill for XXXX, XXXX for $ XXXX!!!!!!! Like that amount is totally insane!!!!!!!
Product: Mortgage

I refinanced my home loan through XXXX XXXX XXXX on XXXX/XXXX/XXXX. Shortly after closing, the loan was sold to Nationstar. 

Nationstar must purchase these loans, but not assume responsibility for the legal closing documents associated with said loan. 

Per my original closing documents, handled by XXXX XXXX XXXX, my LTV was scheduled to reach XXXX % on XXXX/XXXX/XXXX, and as stated, gave me the right to request PMI cancellation. I reached out to Nationstar, only to be told that I must submit a signed document, enabling them to perform an appraisal ( at my expense ), before POSSIBLY cancelling the PMI. The cost of the appraisal was more than the PMI accrual between XXXX and XXXX %, so after sending a signed request to cancel PMI ( not the form they have on file, giving them permission to appraise property ), I decided not to pursue this further until I reached XXXX % LTV. 
According to this same closing document, I 've reached XXXX % LTV on XXXX/XXXX/XXXX. Upon speaking with Nationstar, they state I am only at XXXX %, but not eligible for automatic cancellation until I reach XXXX %. 
This directly conflicts with both my closing documentation, and the Homeowners Protection Act of XX/XX/XXXX, both stating automatic removal of PMI once reaching XXXX %. 

This is taking a considerable amount of my time, and I 'm not overly confident that Nationstar will comply with my request, stating they have a right to continue charging PMI until XXXX % LTV is reached. 

Your assistance is much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS ON MY CREDIT DOES NOT BELONG TO ME SOMONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OBTAIN FRAUDULENT ACCOUNTS I HAVE DISPUTED THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, a consumer reporting agency, for inaccurately reporting damaging information related to my XXXX XXXX XXXX XXXX account. It has come to my attention that Experian is reporting alleged late payments on the account ending in XXXX with a 120-day late payment, without any prior 30, 60, or 90-day late payment history. 

Specifically, the inaccurate reporting states : " This account is listed with a 120-day late payment, without any prior 30, 60, 90-day late payment history. '' Reporting the account as 120 days late without any prior indication of 30, 60, or 90-day late payments is not only factually incorrect but also severely damaging to my creditworthiness and financial reputation. 

The Fair Credit Reporting Act ( FCRA ) explicitly mandates that consumer reporting agencies, such as Experian, must ensure the maximum possible accuracy of the information they report. The inaccuracies in reporting on my XXXX XXXX XXXX XXXX account not only violate the FCRA but also have significant adverse effects on my credit score and financial standing.
Product: Credit reporting or other personal consumer reports

FINAL ATTEMPT AT RESOLUTION WITHOUT COUNSEL SEE SCREENSHOT- CHARGED OFF ACCOUNT REPORTING AS LATE EACH MONTH- CRA WILL NOT CORRECT WITHOUT INSTRUCTION FROM XXXX
Product: Credit reporting or other personal consumer reports

These XXXX  accounts are closed and to old to be reported on my credit report also these accounts are only showing payments for the last five months not the past eight years due to the fair credit report act if the information is not correct or can not be fix the accounts should be removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Involved : Experian Reporting Agency.

Date : XX/XX/2021 Disputed items : Two fully paid accounts still showing on my credit history. Experian reporting Agency is not willing to delete those two collection accounts on my credit history.

Payment receipts and confirmation numbers of the two company ' have been provided to Experian company.
Product: Mortgage

This is an update to Complaint XXXX. It turns out that in addition to XXXX XXXX XXXX, XXXX, there was a law firm who was the actual Servicer regarding our foreclosure. The law firm was the Castle Law Group, LLC., f/k/a XXXX XXXX XXXX XXXX , of XXXX , Colorado . This firms 's XXXX office was closed by the Colorado Attorney General 's office for questionable Mortgage related activities. The firm has opened another XXXX offices elsewhere in Colorado and at this time can only be contacted at : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, Colorado XXXX, XXXX. I received this information through a response from a Utah State Bar Complaint against one of the XXXX XXXX XXXX attorney 's involved with our foreclosure. The local attorney 's ; XXXX ; and this Colorado law firm with held this information. 12 U.S.C. 2601 ET. seq., was not followed. I 've also found out that although the State District Court Judge verbally ordered my wife, kids and myself to vacate our home, a Written Order was never entered into the State Court System as required by Law. There was no entry into the State Court System Computer to back up the Judge 's Order. The Case still shows that it is open. The paper Case file for some strange reason was destroyed this year. Can this case be re-opened. Thanks XXXX XXXX XXXX
Product: Credit card

Multiple times in the last few months someone has tried to open credit cards in my name at different credit companies. This includes Chase, XXXX XXXX, and a company called XXXX. I have my credit reports locked and have multiple fraud alerts set up so I usually call the co.pany to inform them of the fraud. But there needs to be a better system. There should be a way to set up a block so someone will be immediately rejected from opening a card in my name. And the credit card companies shouldn't be asking me for more personal data when I call to report the fraud. My information was stolen from XXXX of these supposedly responsible companies to begin with and I don't trust giving them any more of my data! And yet they all insist on asking for my social security information!! And these companies won't give me any information on who may have opened the application, how or from where!! 
I do know that whoever has this information is located in the XXXX XXXX because they keep trying to break into my email from that country when this occurs. I can track that attempted access.
Product: Credit reporting or other personal consumer reports

I am reaching out to request an update of my personal information with XXXX, XXXX, and TransUnion. Recent changes, including updates to my name and address, require alignment with my current identification. Despite previous attempts, discrepancies persist. Ensuring accurate information on my credit reports is essential for my financial well-being. Your assistance in rectifying this matter promptly is greatly appreciated.
Product: Credit card or prepaid card

On XXXX a fraudulent foreign charge made overseas in an amount of {$330.00} was incurred on my XXXX XXXX American Express credit card account. Upon receiving the statement, I recognized this being a fraudulent charge and called the Customer Service # XXXX immediately to report. The rep looked into the charge and my account details, and acknowledged that a provisional credit will be given during the investigation period, and agreed to waive the foreign transaction fee of {$9.00}. However, the foreign transaction charge showed up again, along with a late fee, on my billing statement the next month. I called again and requested a waiver which the second rep agreed to. Unfortunately, the foreign transaction charge once again showed up and this time, along with a late fee and interest finance charge. I called in to complain and request a waiver, and at the same time expressed my dissatisfaction, requested to speak to a manager and requested a closure of my account. A manager picked up my call, agreed to everything ( i.e. waiving the incorrect interest finance charge, late fee, foreign transaction fee ) and confirmed that she would close out my account on the day of. But once again, on XX/XX/XXXX I received an email from XXXX XXXX American Express claiming that my account is still past due. At this point, I am not sure what I can do except to filing a complaint with the CFPB regarding this frustrating situation.
Product: Credit card or prepaid card

OnXX/XX/XXXX, I purchased a Model XXXX  washer/dryer unit ( Order ID [ redacted ] ) for {$1700.00} from XXXX  XXXX  XXXX  located at XXXX  XXXX  XXXX  XXXX, XXXX  XXXX, New York. To be clear, the product comes assembled as a single piece and must be used together.

XXXX  XXXX  was the Kitchen/Bath Appliance Specialist who helped me with the purchase. The product was delivered to my home where it was installed.

On XX/XX/XXXX, my curtain became stuck under the spinner of the washer portion of the unit. I noticed something was wrong due to a burnt smell coming from the machine. Immediately, I stopped the machine.

I called XXXX  XXXX  XXXX  and the salesman was rude to me and referred me to XXXX. I asked to speak to the store manager, XXXX XXXX, and was told that he was unavailable. Eventually, a technician was dispatched and he assessed the situation. He called XXXX  and they advised him to cut the spinner with a saw. The technician was incredulous and advised XXXX  that he didn't have a saw and even if he did that he wasn't sure that it would fix the problem. We are not in agreement that anyone should come and damage a brand new machine ; it doesn't make sense. The machine is defective and a fire hazard ; that is the opinion of my husband who was a volunteer XXXX  for 19 years. The reviews for this model on XXXX  own website also show numerous consumers who have had similar issues with this model. Please find enclosed all documentation relating to this matter.

We have made repeated requests to XXXX  XXXX  XXXX  to remove the machine and they have refused. I have spoken to XXXX, a manager at XXXX  XXXX  XXXX  several times without a solution. I have contacted XXXX  XXXX  XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to no avail. They keep referring me to XXXX, the manufacturer of the product. I have been in contact with XXXX  from XXXX  Consumer Relations but they have not been able to guarantee that any repair attempts would solve the issue and that we wouldnt have a repeat issue. XXXX  also would not agree to accept responsibility if there were any loss of life or injury based on its defective product.

Now, we are risking exposure to COVID-19 by doing laundry in a local laundromat.

OnXX/XX/XXXX, the credit card company, HSBC, issued a credit in the amount above but then later reversed course. HSBC asked for a narrative, which we provided, twice, with no response or acknowledgement of receipt from a company representative. Furthermore, the XXXX XXXX  has not replied to the New York State Division of Consumer Protection 's inquiries regarding our case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report an account that opened by someone who stole my identity. It was deleted from the other bureaus quickly. Not only is Equifax violating the FCRA and FDCPA they continue to verify the account without proof as requested by me the consumer. I refuse to take their word for it. This company has been breached several times and my information was compromised every time. My confidence is low when it comes to Equifax and I'm beyond frustrated with trying to rectify a simple issue of an account being removed that is unverifiable. XXXX # XXXX is not my account and can not be legally verified as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX, I submitted a request to have detrimental items removed off my credit report. My student loans were moved to another servicer and the delinquencies are reported twice on my credit report. This is causing a negative impact on my FICO score. Additionally, some of the reporting is not accurate. There are accounts reporting on my credit report that has been surpassed the 7 years of reporting. These accounts should not be furnished on my consumer report as they are in violation under 15 US code 168c-2 and USC 1681 sec 602A
Product: Debt collection

I was looking over my credit reports recently and noticed a debt from this company which seems to be a debt from some apartment complex. I never lived at that apartment listed as I have been living at my current address for over 2 years. I tske mt credit very seriously and I have filed an identity theft report with the FTC that I will include with this complaint. f this matter is not thoroughly investigated and this debt that that does not belong to me.I will not hesitate for to file an immediate lawsuit against this company and provide the proof to the courts that I have been living in my current address for about 2 years.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 I looked at my Experian , XXXX & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the presence of a collection account from XXXX XXXX  XXXX  ( Account Number : XXXX ) on my Experian credit report. This account was previously listed with XXXX but has been removed from my XXXX report. In the interest of consistency and fairness, I am requesting that Experian also delete this account from my report. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure that the information on credit reports is accurate, complete, and not misleading. Since XXXX has already determined that this account should be removed from my credit file, its continued presence on my Experian report contradicts the standards of accuracy and completeness mandated by the FCRA. 
Additionally, the Consumer Financial Protection Bureau ( CFPB ) has established guidelines for ensuring the accuracy of credit reports across all major bureaus. Inconsistent reporting of derogatory information between bureaus can be detrimental to consumers and does not accurately represent my creditworthiness. The removal of this account from XXXX indicates that it may no longer meet the standards for inclusion in a consumers credit report. Therefore, I am requesting that Experian review this account and remove it to ensure consistent and fair reporting. 

Please find attached a copy of my XXXX credit report reflecting the removal of this account. I have also included a copy of my Experian report with the disputed item highlighted for your reference. 

Thank you for your prompt attention to this matter. I am hopeful for a quick resolution and an updated, accurate credit report.