23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against US Department of Education for Reporting Inaccurate Late Payments on XXXX XXXX To Whom It May Concern, This complaint is filed in regard to the unlawful and inaccurate reporting practices by the US Department of Education ( US DEPT ED ) on my consumer credit report, specifically involving my XXXX XXXX accounts. Despite my initial dispute filed on XX/XX/XXXX, the inaccuracies remain unresolved, causing continued harm and distress. 
The following violations have occurred in relation to this reporting : XXXX. Inaccurate Reporting of Late Payments : The XXXX XXXX  accounts were incorrectly reported with late payments during a period when the accounts were in deferment status, as documented and verified by the US Department of Education ( documentation available upon request ). The accounts should reflect a current status with no late payments. Specifically, the following dates have been inaccurately reported as late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Violation of Privacy and Unauthorized Reporting Under 15 USC 1681b, I retain the right to privacy regarding my personal financial information. Reporting these accounts with incorrect late payments without my consent constitutes a violation of my rights.

3. Failure to Maintain Accurate Reporting Under 15 USC 1681e ( b ), credit reporting agencies are required to maintain accurate and complete consumer files. By continuing to report these inaccuracies after my first dispute, the credit bureaus have failed in their obligations. 
Summary of Errors and Discrepancies : The errors include late payments being reported for months when the accounts were in deferment. Specifically, there are instances of 90- and 120-day late payments listed on my credit reports for TransUnion and XXXX XXXX despite the loans being in deferment as verified by the US Department of Education . These discrepancies have severely impacted my credit score and financial reputation.

Requested Action : Given the severity of these violations and the documented deferment status of my loans, I am formally requesting the immediate correction of these accounts from my consumer reports within 10 calendar days from the receipt of this complaint. The requested corrections include removing all late payments and ensuring the accounts reflect a current status with no delinquencies. Failure to resolve this matter will result in further escalation. 
These inaccuracies have caused significant emotional distress and damage to my creditworthiness. I demand immediate corrective action to prevent further harm. I am prepared to provide additional documentation if needed. 
Sincerely, XXXX 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. 

Account Name : XXXX  Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX  XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX  Account # : XXXX, Account Name : XXXX  XXXX Account # : XXXX, Account Name : XXXX XXXX  Account # : XXXX, Account Name : XXXX XXXX  Account XXXX : XXXX, Account Name : XXXX XXXX  Account # XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX  Account # XXXX XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX Account # : 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: Mortgage

I am trying to apply for a home equity loan and was denied because my bank XXXX XXXX XXXX XXXX said that I had a second mortgage. 

I contacted MR. Cooper Aka nation star to see what was going on as i have never applied for a second mortgage. During the recession a few years back I applied for a home loan modification along with millions of other Americans and was never told by nation star that it would appear as a second Mortgage. The numbers are not adding up nor making since. There website says i owe XXXX and they extended my loan 20 more years. So how do I have an extension of 20 years plus I owe XXXX plus on top of that XXXX. At the time i was doing my loan modification the young lady never mentioned this. This is deception at its worst.
Product: Vehicle loan or lease

A fair resolution to your situation should consider the following aspects : XXXX. **Medical Hardship Accommodation : ** Given your XXXX XXXX diagnosis and the financial strain it has caused, a fair resolution would include accommodations for your medical condition. This might involve reducing or waiving the remaining debt, considering your inability to work and manage large financial obligations due to your health. 

2. **Clear and Transparent Accounting : ** The lender should provide a detailed, transparent breakdown of how the {$30000.00} debt was calculated. This includes itemizing any fees, interest, and the proceeds from the resale of the repossessed vehicle. 

3. **Debt Adjustment or Forgiveness : ** Depending on the outcome of the detailed accounting, the lender should consider adjusting the debt amount. If the debt is significantly inflated or includes unjustifiable charges, reducing it to a fair amount or forgiving it entirely would be appropriate. In many cases, the resale of the vehicle should cover a significant portion of the debt, and you should not be left with an exorbitant balance. 

XXXX. **Removal of Negative Credit Reporting : ** If the repossession and subsequent debt have negatively impacted your credit score, a fair resolution would include the removal of any adverse entries related to this incident from your credit report. This will help mitigate the long-term financial impact on your creditworthiness. 

XXXX. **Establishment of a Repayment Plan ( if necessary ) : ** If any debt remains after adjustments, a reasonable and manageable repayment plan should be established. This plan should take into account your current financial situation and medical expenses, ensuring that the monthly payments are affordable and do not further strain your finances. 

XXXX. **Improved Communication and Support : ** The lender should commit to better communication and support, particularly in situations involving medical or financial hardship. This might include providing a dedicated contact person who can assist you with any future concerns or issues. 

Incorporating these elements, here is an addendum you can include in your letter to the CFPB to outline what you consider a fair resolution : -- - Given my medical condition and the financial strain it has caused, I believe a fair resolution would involve the following : 1.American credit acceptance providing a detailed and transparent breakdown of the {$30000.00} debt. 
2. Adjustment or forgiveness of the debt based on the proceeds from the sale of the repossessed vehicle and the inclusion of any unreasonable charges. 
XXXX. Removal of any negative entries related to this repossession from my credit report. 
XXXX. If any debt remains, establishment of a manageable repayment plan that takes into account my current financial situation and medical expenses. 
XXXX. Improved communication and support from [ Lender/Company Name ], particularly in situations involving medical or financial hardship. 

I believe these measures will lead to a fair and just resolution of this matter, allowing me to focus on managing my health and finances more effectively.
Product: Mortgage

In  XXXX   2017 , SPS was sent a Congressional Inquiry from Congresswoman  XXXX   XXXX  's office about issues related to their erro  neous assertion that they have servicing rights and therefore a financial interest in our home.
SPS has yet to respond to the Congressional Inquiry but   has scheduled a foreclosure sale for  XXXX   XXXX ,  2017 .
Product: Credit card or prepaid card

I am being charged late fee 's on my Lowe's/Synchrony Bank credit card . I did call customer service and they can not reverse all the late fee 's. I entered into a contract to have a fence installed. I was given a promotional offer of 84 months fixed payments and deferred interest on the fence installed which was contracted XX/XX/XXXX. I make my payments on the first of each month and each month I am being charged a {$40.00} late fee. The first fee I was charged was {$29.00} back in XX/XX/XXXX and they took that off. Then I started to receive late fee 's in XXXX and XXXX. I contacted customer service and they told me they could only reverse on of the {$40.00} as a courtesy. I was told that I was paying my bill before the billing cycle of each month. Since when is paying your bill before the billing cycle considered late? I do it with all my bills and never had a problem. 
XX/XX/XXXX I paid {$130.00} and was charged a XXXX late fee XXXX XXXX. 
XX/XX/XXXX I paid {$130.00} and was charged a XXXX late fee XX/XX/XXXX XXXX XXXX I paid {$130.00} and I will be charged a XXXX late fee on XXXX XXXX. I am retired and on a fixed income. I get my pension on the first of the month and that is when I pay all my bills. I paid them {$1000.00} on XX/XX/XXXX and wasn't charged a late fee. Also, I am being charged interest every month and the interest is supposed to be deferred. Any help would be appreciated.
Product: Credit reporting or other personal consumer reports

Equifax has completed its investigation into my CFPB complaint on XX/XX/2023 regarding my request to block information that is reporting as a result of an alleged identity theft, your companys response stated that the 73 disputed inquiries are a FACTUAL record of file access and that Equifax VERIFIED accounts as belongs to me. I am requesting proof that Equifax has followed reasonable procedures and made reasonable efforts to verify the identifications and certifications of users BEFORE preparing and furnishing my consumer report in compliance with the FAIR CREDIT REPORTING ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple addresses that dont belong on my credit report and need to be removed immediately I have reached out to experian concerning this issue and have been ignored please remove all incorrect fraudulent address immediately plz and ty and also names XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX fl XXXX XXXX XXXX XXXXXXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX Also All names should be deleted from my credit file my name should only show up as XXXX XXXX XXXX all other spellings of my name and records of my name are incorrect and should be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/2020 about the inaccurate and wrong things on my credit report. Its been over 40 days and I have not received any word back about my credit report. I think I'm being ignored and my dispute is being disregarded. 611 ( a ) States that if a credit reporting company has not completed an investigation in 30 days the information being disputed should be deleted. Its been over 40 days, so I demand that these accounts be deleted at once or I will file for litigation due to the hardship Ive had to experience. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

I look at my report on XXXX XXXX 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. 

I sent a letter asking them to reinvestigate these account listed below : MIDLAND CREDIT MANAGEM Balance {$950.00} Balance updated XXXX XXXX, XXXX MIDLAND CREDIT MANAGEM Balance {$910.00} Balance updated XXXX XXXX, XXXX MIDLAND CREDIT MANAGEM Balance {$660.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$530.00} Balance updated XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable XXXXredit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Debt collection

Credence Resources is name of debt collection company who called and emailed several times after they were told numerously not to. Also blocked and then received spoof and neighboring-spoof calls right after.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up In accordance with the Fair Credit Reporting act, XXXXXXXX Account  # XXXX, XXXX-XXXX account # XXXX, and XXXX account 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 : Also states that a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I was at Bank of America branch on XXXX XXXX XXXX in XXXX   Florida. I was trying to find out how long you was going to hold a check from a life insurance policy on my wife dad. I talked to XXXX the bank manager and he took me to a teller who before she even checked or found out if I wanted to deposit the check stamped it right off for deposit only to my account. And then when she checked I could only get {$200.00} right off and the other {$2300.00} would be on hold till Weds. I said that is not acceptable need the money right now. the check was on XXXX XXXX and we called the XXXX XXXX in XXXX  to be told can not cash the check since it was stamped and no check cashing place would either since it was stamped. So I go back to the Bank Of America branch on the same day XX/XX/2018 to be rudely told by XXXX  the bank manger because I was upset as your teller XXXX   me over big time stamping it right off. to be told by XXXX the bank manager when I took my hand and said your teller stamped it without my permission messing me over big time to take my check and leave his bank is this the way customers are supposed to be treated? You have lost a long time customer of your bank due to their unprofessional attitudes toward the customer and this is a customer who is fixing to at any time come into a very large amount of money and as soon as I can get my social security checks and my sons transferred into another bank that I will open up an account with am done as been treated so badly several times by your bank am done as that is no way to treat someone not even wanting to fix their own mess up or help the customer am very upset.
Product: Credit reporting or other personal consumer reports

Your agency is in violation! 
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.

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX  's Metro 2 Compliance standards, then I contest the reportability of any such claim. The XXXX  's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Employer - XXXX  Incorrect Name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a 30 day late on my credit report. I wasnt notified until my credit scrore dropped. I filed a complaint for the wrong doing and included my email. I reveived an email from them today and this hasn't happened until I included my email on the complaint. This company is using tactics to cover up not properly notifying me before ruining my credit.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for FDCPA Violations Complaint Details : I am filing this formal complaint against Experian for their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692c ( c ). Despite sending a formal cease and desist letter on [ Insert Date ], Experian or their associated agents have continued unauthorized communications and collection activities related to an alleged debt. 

The specific details are as follows : Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These actions constitute harassment and a violation of my federally protected rights. Case law such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX affirms the consumers right to request cessation of communication. Experians failure to honor my demand not only disregards my legal rights but has also caused significant distress, including emotional harm and damage to my financial well-being. 

Specific Issues : Continued communication despite a formal cease and desist notice. 

Failure to respect my rights under the FDCPA. 

Harassment through unauthorized collection attempts. 

Impact on Me : These ongoing violations have caused : Emotional distress and mental anguish. 

Reputational damage, as I have had to repeatedly explain this situation to creditors and others. 

Financial harm, as their actions may have adversely affected my credit report or score.
Product: Credit reporting or other personal consumer reports

I am having trouble managing my account online with Experian. I have a registered account with Experian but I am unable to unfreeze/freeze my credit online. Experian website directs me to a telephone number to call ( XXXX ). When I call this number, I am unable to get a real person to help. The automated call system will direct me to the website, resulting in a senseless circular loop, and then disconnect the call.

I have tried this every week since XX/XX/year> to XX/XX/year>. While I understand I may be able to unfreeze/free my credit by phone, I wish to do so using the Experian website. To fix this problem, I need someone real to listen to and address my problem.

Experian has made it impossible to talk to anyone. Their automated phone system will not even allow the choice of speaking to someone, it will actually hang
up. At least XXXX and XXXX gives you the option to speaking with somone even if it takes awhile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent, via certified mail, Equifax a Method of Verification Request for a collections and a closed account, XXXX XXXX XXXX XXXX and XXXX XXXX, respectively. 

Equifax received and signed for the requests on XX/XX/XXXX. By federal law, Equifax has 15 days to provide me with the description of the methods used to verify the accounts. After having not been provided with the requested information, on XX/XX/XXXX I sent Equifax an Intent To Sue letter for violation of the Fair Credit Reporting Act. 

As of the filing of this complaint, Equifax has yet to satisfy my request. I do not wish to file a lawsuit so I am making this last ditch effort in an attempt to get Equifax to comply with the Fair Credit Reporting Act : Provide me with the description used to verify the XXXX XXXX XXXX XXXX and XXXX XXXX accounts, or delete the accounts from my credit profile.