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

XXXX : Has incorrect information on my Credit Report that needs corrected ASAP. They have my balance {$67000.00} as of today XX/XX/2022, Payments {$520.00}, Total Accounts 22, Inquiries 15, Credit Utilization 100 % with a credit score of XXXX. 

EQUIFAX : Has my balance at {$14000.00} as of today XX/XX/2022, Payments {$480.00}, Total Accounts 6, Inquiries 5, Credit Utilization 68 % with a credit score of XXXX XXXX : Has my balance at {$14000.00} as of today XX/XX/2022, Payments ( DOES NOT SHOW ), Total Accounts 6, Inquiries 4, Credit Utilization 77 % with a credit score of XXXX. 

As a XXXX XXXX  Veteran, I am highly disappointed at this mess. Is this what we as consumers have to deal with? This is a very serious matter here about how dysfunction these credit Bureaus are. I served in XXXX XXXX  XXXX and could have never been this dis-organized, or my men would have perished. I put my trust in these bureaus to update speedily in a timely matter and I get junk .... THIS IS UNSAT!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Compliance procedures 15 U.S.C. 1681 section ( b ) Accuracy of report. 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. Experian has failed to follow the law regarding verifying and reporting accuracy. I am a victim of an identity thief, and Experian keeps confirming accounts I am not liable for. I yielded them the necessary documentation to support the dispute. I am asking them to remove all account of my credit report. 

15 U.S.C. 1681 section 604 A section 2 : It states that a consumer reporting agency can not furnish a account without my written instructions. 

I DEMAND ALL FRUAD ACCOUNT BE REMOVED Account Name : XXXX XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX  XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX  XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX The account listed above has violated my rights .
Product: Payday loan, title loan, personal loan, or advance loan

We had a door-to-door salesman who worked for Aqua Finance come around 2 years ago advertising their water treatment equipment. We had Aqua Community water as our water supplier. The presentation of how the system works seemed to work well and so we were interested. The salesman then told us that by applying that day for the loan to get the system installed, that we would receive 3 months of deferred payments, with no interest being accrued during those 3 months. We were also presented with the terms of 9.9 % APR with nowhere on the paper mentioning that as any kind of promotional purchase and was made to think by the paper and by the salesman 's words that this is the APR for the life of the loan. The loan also included redemption vouchers for a soaps/cleaning supply delivery program. Recently, I called to ask my balance and was surprised to find that the balance had barely decreased. I was told by the person on the phone that the interest rate was a promotion that ended, to which I replied I was not aware this was the case. It also apparently was not the case that case that there was no interest accrued during the 3 months of deferred payments. I have since also found out that there is an FTC action against Aqua Finance for the exact things I have been experiencing. In the information about the action, it also states that there is something about a lean against the water treatment system that makes it difficult to sale your home, which I am currently trying to do. This is another thing that that was not made known by the salesman. I also submitted XXXX of the vouchers for XXXX of the shipments of the soap/cleaning products that were supposed to be included, but I never received the order. I would like to submit this claim against Aqua Finance and request to be refunded and have the debt forgiven as is laid out in the FTC action against Aqua Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have done many attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXXXXXX Date Opened XX/XX/ Balance {$0.00}
Product: Student loan

As a a XXXX XXXX working for the XXXX XXXX as a XXXX XXXX, I applied for the student loan forgiveness. Loans were transferred from XXXX XXXX and XXXX to Fed loan servicing, payment decreased from {$420.00} approximately to {$300.00} per month. I was informed I was put in the wrong payment plan and only XXXX payments count towards the XXXX required payments, got an email in XXXX of XXXX that I had to switch payment plans for the payment to count. So used the calculation tool provided, decided standard repayment plan was best option, now payment is only for 27 months and payment will be over triple {$900.00} plus per month. I asked today XXXX, that The request be cancelled as it bust the family budget. I got the response that I was on a grandfathered plan and does n't exist, so stuck with the new payment even though it has not been activated yet. What a complete cluster!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM INTERESTED IN DISPUTING ALL INCORRECT INFORMATION ON MY CREDIT REPORT WITH TRANSUNION. PLEASE CORRECT ALL INVALID DATA TO HELP CLEAR MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

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

I had an account with XXXX several years back that had been closed and now I get a open report back on my credit that states that 's on have an open account with them again that 's in collections this item was previously deleted off of my report I need help with this matter I 'm trying so hard to rebuild my credit to purchase a house this just made my score drop drasticly. I 'm trying to stay on the right path and do the right thing then this happens why are they reporting something that was charged off and closed once already. Please contact me at either XXXXXXXXXXXX or via phone at XXXX XXXX XXXX thank you for your prompt attention to this matter hope to hear from someone soon.
Product: Debt collection

I Have been a victim of the XXXX data breach and i have confirmation from XXXX that i have been a victim.
Product: Debt collection

I was called from a ( XXXX ) XXXX my phone labled the call as " Scam Likely '' so I did not answer. I was left with the following message in my voicemail. 

" hi this message is solely intended for -- - my name is XXXX and I am contacting you today in regard of a legal matter that has has been forwarded to my office and has registered against you. To discuss this pending allegation and to be further assisted you will need to contact XXXX XXXX XXXX XXXX XXXX directly at XXXX & XXXX XXXX and the reference file number is XXXX if you fail to fail to correspond by the end of one business day you will be served to either your home or your place of employment for small claims matter. this call has been logged and submitted as proof that you have been notified of this pending allegation. Thank you and have a nice day '' I called the number, and I was getting an attitude as if I never thought about paying back the debt, and then given information I insisted to be sent an email to review since I was currently at work. I was given a number ( XXXX ) XXXX to call her back if there were any questions. 

The email sent me a link from a XXXX XXXX to view a document online, it was a form for me to sign and fill out how I was going to pay my debt on the remaining balance that I owe that was originally JCPenny Credit card, either in one payment by XX/XX/XXXX or in full. I noticed that the form had XXXX XXXX XXXX, there was a line of text that made me question the legitimacy of this as it refered to their company as XXXX XXXX  XXXX. When asked about it I was told there was a merger a couple days ago and that signing should be fine. I asked if she could make sure because I didnt like the idea of signing a document saying I have read it, if there is mention of a company that does not exist anymore. I then brought to her attention that the website they have was made on square space, that I was having a hard time believing that they were legitimate, and to which she responded that the legitimacy will be apparent when I am taken to court. and the call was ended.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, while claiming to be just a repository, has a liability for the wrongful credit reporting when it is common knowledge that the subscriber is notoriously negligent and regularly misreports.When this information is in the public domain EXPERIAN becomes liable and negligent for their subscriber errors.THE DEPT OF EDUCATION IS ONE SUCH SUBSCRIBER.US DEPT OF EDUCATION LOANS BOTH ACCOUNTS, XXXX ARE SERIOUSLY BEING MISREPORTED.US DEPT OF ED,XXXX ON XX/XX/XXXX, DUE TO INACCURATE AND INCOMPLETE REPORTING, POST DISPUTE DROPPED MY EXPERIAN FICO SCORE 40 PTS.BOTH THE BEFORE DISPUTE AND AFTER ARE ATTACHED. 
THE DISPUTE SHOULD RESULT IN BOTH ACCOUNT DELETIONS AS BOTH ACCOUNTS WERE DELINQUENT OVER SEVEN YEARS.THE ACCOUNTS REPORT WITH FALSE HISTORIES.SCHOOL WAS OUT IN XXXX AND NO PAYMENTS WERE MADE.SO INSTEAD OF CORRECTING THE ERROR EXPERIAN ALLOWED MORE FRAUDULENT REPORTING MAKING THE ERROR EVEN MORE DAMAGING. 
THE C.O.O. OF THE US DEPT OF EDUCATION WHO QUIT IN XXXX OF XXXX SAID THE DEPT OF EDUCATION IS THE MOST IRRESPONSIBLE LENDER IN THE UNITED STATES.HE SAID PLENTY MORE BUT IT IS IN THE PUBLIC DOMAIN AND I HAVE SENT TO EXPERIAN PREVIOUSLY. 
SO EXPERIAN IS GROSSLY NEGLIGENT FOR ALLOWING MISREPORTING OF CREDIT KNOWINGLY.
Product: Mortgage

I applied for refinancing home loan with Quicken. To reduce payments and pay some bills. I went through months of providing information and talking to many different people who were to take you to next step. I was told this the answers would be quick. After furnishing all information sometimes twice and paying fee. Getting appraisal, Title and Insurance. Told closing would be set in next 72 hrs. I took off work and then nothing from them. I contacted them to see what was the delay and was told loan was denied. I spent so much time effort and fees ans was given every assurance this would close then just be told " denied '' I 've written and complained asking for explanation. Ive re none. Please help.
Product: Mortgage

I submitted a complaint last year regarding TRID tolerance violations committed by Veritas Funding , LLC ( " Veritas '' ) complaint ID XXXX. This is not a duplicate of that complaint, rather it is a complaint regarding further violations as Veritas  pretends to be servicing a mortgage that has been rescinded. 

Veritas originated a rate and term refinance conventional mortgage on my primary residence in XXXX of XXXX. They sold my loan to XXXX, who sold it to XXXX. Eventually, Veritas had to buy the loan back from these entities after I brought to light they had completed terms in a blank contract sent to them with my closing package, without my knowledge, and used that contract to sell the mortgage FOR PROFIT. 
Due to TRID tolerance violations left outstanding, and Veritas ' unwillingness to acknowledge and cure those violations, I had no choice but to rescind the mortgage in XX/XX/XXXX. 

Veritas refused to acknowledge the rescission and rather than unwinding the transaction, they hired an attorney. I filed the aforementioned CFPB complaint not long after, in XX/XX/XXXX. 

Veritas answered the complaint by admitting TILA and UDAAP violations, lying about a cash out refinance, and offered me a tolerance cure - POST RESCISSION ( another violation ) along with another incorrect Closing Disclosure ; they misrepresented {$400.00} I paid outside of closing. 
I have not cashed the tolerance cure check ( s ), extended by Veritas. 

THE CFBP DID NOTHING REGARDING THESE GROSS VIOLATIONS! 

Veritas has continued to send me notices since then, on a monthly basis, as though they are servicing the loan. This past week, I received a letter from a debt collecting law firm, telling me I was in default on my mortgage and could be facing acceleration of the mortgage and potential foreclosure if I did not pay them over {$33000.00}. 

The failure of Veritas Funding , LLC to follow Federal Lending Statutes, to continue to act in the capacity of a servicer after being given notice of a lawful rescission, to attempt to collect on a debt that does not exist, and to consistently act in bad faith prompts me to file another complaint. 

I have not attached the monthly statements, as I have not yet scanned them. But, I can if requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX EMPLOYER : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

This account is not mine and was established fraudulently. This information was provided to the original creditor. A police report was filed, and this matter was previously disputed. The account was previously removed, however for some reason, you keep reporting this inaccurately to the credit bureaus
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an account from my credit report as reported by all three credit bureaus. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for $ XXXX XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/2024. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable.Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Company continues to call repeatedly. I have requested many times to stop the calls
Product: Debt collection

Not sure who this company is or why they are calling. They called my workplace XXXX but would not leave any information. They were told not to call, then right after called my cell phone and did not leave a message.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND XXXX ARE XXXX AND SHOWING FAVORITISM TO XXXX XXXX  XXXX XXXX. I AM A SERVICE MEMEBER AND ARE DEMANDING THIS BE REMOVED AT ONCE OR BE SUED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX ( XXXX ) reported my XXXX mortgage payment to the credit bureaus are being late in spite of them cashing the mortgage check ( electronically ) from my bank ( XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and after receiving my payment dispute on from my previous complaint on XX/XX/XXXX. According to the CFPB guidelines XXXX is required to suppress the reporting the of the loan and payment information on the credit profile for a period of 60 days. They misreported my XXXX payment at the beginning of XXXX. See attachments. 

Previous complaint information attached
Product: Mortgage

My payments are set up on automatic payment which has ALWAYS been paid before the due date on my PennyMac account. When I went to print out my end of year information, I see that, although my payments were received on time, they have been charging me late fees for the entire year and say I owe a whole lot more than I do for the latest monthly payment. I talked to them about this a long time ago, yet STILL they keep charging the late fees. Since I am an older adult and on a fixed income, I think they are trying to SCAM me!
Product: Debt collection

This for portfolio recovery I keep getting calls for this alleged debt! They keep calling me all hours of the night and calling me on weekends! Knocking on my door I disputed both of them and they threatened to sue me for alleged debt! 

Also, I asked in the dispute if they can provide an original contract w/ the original physical signature and if not, which they havent! Needs to be deleted off the report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent Experian a letter trying to rectify this situation. Please review the attached documentation, and remove any names or address that do not match.
Product: Debt collection

I disputed an account with Transworld and they provided me with a document which is not a contract or anything that legally shows that I owe the amount of {$540.00}. Please provide contracts, copies of actual bills and a signed copy of agreement to Transworld that legally bound Transworld, to collect anything on behalf of this account. I do not believe this charges belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX to get an extension on a due date of XX/XX/2019 and they assured me it would not go against my credit. It is showing as a late payment. XXXX refuses to fix it, and the report I filed with XXXX  did not show any updates once completed. The reports I filed with XXXX  and Equifax have not been resolved or responded to after a considerable amount of time.
Product: Money transfer, virtual currency, or money service

This pertains to Paypal 's 'frictionless ' payment platform that automatically makes all platform users available to receive payments by default via their email address. Users do not have a way to turn this feature on or off and are consequently saddled with the fees and obligations that go along with that if a sender disputes a payment. There is currently no way to opt out. Basically as a paypal account holder, my email address is 100 % available for anyone to ( a ) send me a payment ( b ) dispute the payment and ( c ) leave me with any associated fees. 

On XX/XX/XXXX I received a " final reminder '' email from Paypal about a buyer who had sent {$51.00} to my paypal account using my email address. I have a very simple email address on gmail which people routinely send emails to mistakenly. I did not invite this person to send me money and I am not a seller of anything. Next this person 'disputed ' the payment to reclaim their money and Paypal ended up charging me a {$16.00} fee ( {$1.00} transaction fee + {$15.00} dispute fee ). The fee was waived after a lengthy conversation with customer service over XX/XX/XXXX and XXXX where I was told I was getting a " special exception '' as a long-term customer. Paypal in their self-interest toward 'frictionless ' payment does not allow *any way* for account holders to prevent people from sending you money erroneously and then disputing those payments. I can only block specific senders, I can not turn off this feature.
Product: Debt collection

This Portfolio recovery account popped up on my credit report one day. I dont know this company and I have never done business with this company. They constantly change the account and move it around to start the dates over. As a business owner this a a problem to me because I do not know these people and they refuse to stop segregating my credit report.