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

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. FDCPA section 807 violation misleading false reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. 
XXXX XXXX XXXX Case Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. This account is INVALIDATED for it is no longer reported in XXXX and XXXX. The way it is reported is INACCURATE and a CLEAR violation of my FCRA rights. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
9. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Mortgage

Good day. I am XXXX XXXX XXXX, a young XXXX XXXX XXXX XXXX American homeowner of XXXX  years living at XXXX XXXX XXXX XXXX XXXX XXXX. I have been clinically diagnosed as having XXXX, being on XXXX XXXX I preface this because it is my belief my current mortgage company, LoanCare aka XXXX XXXX, is discriminating and exploiting my XXXX, my age, my race collectively and taking financial advantage of my situation. On XX/XX/2023 my home was doused with rain coming thru my roof down thru my ceiling & walls streaming onto all XXXX floors of my home. An insurance claim was filed thru XXXX, my homeowners insurer, on the XXXX and after a few months of adjustment I was granted just over {$27000.00} to repair my home. LoanCare/XXXX was sent the checks and has been sitting on the money needed to repair my home for XXXX months since disbursement citing insignificant & tedious reasons i.e. a XXXX looks like a XXXX on docs, my address isnt listed on paperwork ( when it clearly is! ), having me resubmit documents sent numerous times for weeks which has turned into months. I live in a row home with neighbors on either side of me that have XXXX XXXX issues. My home is exposed to rodents dropping from the ceilings because of the opened gaping holes necessary to get the ceilings repaired. Ive had flying bats in my home I can not do anything about because theyre endangered (? ) yet I and the people that live in my home are living in an active construction area with our health and lifestyles at risk. I have had a licensed legitimate contractor waiting on monies to be disbursed so work can begin however LoanCareXXXX continuously is putting me/us thru hoops with petty issues that have been satisfied several times over. 

I am looking for assistance in getting the help I need to release the monies allocated for my home. I am reporting these actions because I am being violated and victimized by LoanCares discriminatory, illegal activities and practices. I believe they are holding my money back for their own benefits at the cost of mine and my household 's quality of life. I simply want to get my home back and to live in the home I so proudly purchased XXXX  years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint. 
I need to UNFREEZE my credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have failed to investigate inaccurate information they have added to my credit report including providing the appropriate documentation to verify this information. I have filed numerous disputes including today, XX/XX/23. I am continued to be denied the right to have this false information investigated by all 3 credit bureaus : XXXX, Transunion and XXXX despite the fact they are reporting false information that has caused me irreversible damages. All 3 credit bureaus named above have violated my rights under Fair Credit Reporting Act. For reference I have uploaded the most recent denials from today 's date of XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

The accounts are listed as follows : XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX -XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

XX/XX/2022 I received a letter from our mortgage loan servicer Freedom Mortgage stating ourn loan had been transferred as of XXXX XXXX to XXXX Mortgage. 

XXXX Mortgage then reached out to me to offer me a new loan to get out of my XXXX YEAR MORTGAGE with Freedom... 

WHAT!!!! 

I took forbearance for several months with Freedom based on them REPEATEDLY telling me to do it. ( I figured fine, I am self employed and was not sure where things were headed due to XXXX... ) Was a great opportunity to pay off a few things and get a better grip on our budget. 

I was told, as it should be, that the mortgage would be readjusted with skipped payments added on the end of the loan, which is fine... 

I never received any " official '' paperwork just a new payment slip ... .I simply started making payments again ... Thank you Freedom...?? 

When The ROCKET tried to get me to refinance with them their costs were ridiculous. And I requested proof of this XXXX year mortgage, as well as Freedom. No responses... 

I refinanced with XXXX locally and they were great, and at least {$8000.00} lower than XXXX. 

I want to lok into Freedom to see if this was true as it would have scammed me out of XXXX months woth of interest!!! ~ Or is XXXX playing dirty??? 

One other thing : When I was with XXXX XXXX years ago I got scammed and some who got caught are still in jail. I feel it was an inside job due to all of the info they had. I have been waitin for response from XXXX Gov for years, I just keep getting inmate updates. Any way to make this a second ( or third ) complaint? 

Thank you in advance for your time.
Product: Vehicle loan or lease

I was a victim of a moving coming who stole all of my belongings and loss of jobs due to putting my belongings in storage against my consent. It has been very difficult for me to catch up on my car payments and this auto company has not tried to help me and they charge {$100.00} late fees which is absurd. Ive kept in contact with them to let them know when I can pay and how much. I have paid off 6 vehicles in my lifetime but this company should not be in this type of business. My past car loans had options during a hardship. I even paid what they requested and they turned around and XXXX me in the face. I am beginning to think is this a scam or are they prejudice.
Product: Vehicle loan or lease

I paid off my car loan and was under the impression that I could access a lien release letter while I wait for my title. However after not receiving anything I reached out and was told I could not access a lien release letter until after a certain date. When that date rolled around I still did not receive anything. I then requested that my title be sent priority mail if I was not getting access to a lien release letter. I was told we could do that..then I was told they couldnt after waiting another couple days. It has been a XXXX week battle of trying to get either my title or my lien release. I was told I could receive my lien release letter over their app in 1-2 business days. Its been that amount and I have still not received it. I financed my car for XXXX in 2022 with Ally financing. Ive called them frequently for weeks and have been given conflicting information and gotten nowhere.
Product: Debt collection

I have not received any bill in the mail or a phone call or email from XXXX XXXX XXXX XXXX regarding any debt whatsoever. I have received suspicious phone calls from various numbers that I assumed were spam because the only message that was left was a robo-voice saying " at your earliest convenience, thank you ''. Nothing regarding what it was about, etc. I received these robo-messages on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. Then I got an email ( XX/XX/XXXX ) regarding my credit score saying that I have an outstanding debt that is bringing my score down. I went to check and it says that I owe XXXX XXXX XXXX  XXXX   {$300.00} and they are sending Credit Management Control ( debt collectors ) after me for it. This is the first I am hearing about any owed payment to them. I have not been to XXXX XXXX XXXX  XXXX since XX/XX/XXXX. The last message I have from them is from XX/XX/XXXX reminding me of that upcoming appointment. I have not once received any bill in the mail or had them call me about an outstanding bill. Furthermore, I had insurance that should have covered the services. But yet again, I was not contacted by them to sort out the situation. The fact that the first I am hearing about this is through checking my credit score is ludacris.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$330.00} XXXX XXXX XXXXXXXX Balance Owed : {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information listed on my credit report with this company. I have submitted multiple disputes and nothing has been resolved nor have they provided me with satisfactory documents to support these documents. I keep getting responses about credit repair I can not afford credit repair or anything like that to assist with this nor can I afford any lawyer to take this to court. I wish to file and address my complaint here going thru your site has not giving me any resolution so please do not ask that I file thru your site I have done all of that and made phone calls. I honestly dont know what else to do other than to keep filing complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I made my mortgage payment to XXXX in the full amount for XXXX payment. While it was after the XXXX, I acknowledged the late fee, however my report is reflecting a 30 day late. Experian refuses to update my credit report accurately even after disputing the information and providing documentation to prove on time payment. They opened an investigation on XXXX XXXX, XXXX after I reviewed my payment history and found that the payment information was incorrect. On XXXX XXXX, XXXX I received an email from Experian indicating my dispute results were ready. 

After reviewing my updated credit report, I found that the information had not been updated and Experian added a personal statement from myself stating " Completed investigation of FCRA dispute - consumer disagrees which was not approved by me. 

What is most troubling is that I submitted PROOF of on time payment and still the credit agency declined to update my credit report on top of adding a statement that is FALSE. I contacted my loan servicer on XXXX/XXXX/XXXX and they confirmed over the phone that they have been reporting on time payment for XXXX XXXX. They indicated that Experian did n't confirm the late payment information but only made a general request confirming that the reported information was correct which my servicer indicates they were reporting accurately the whole time. Experian should not be able to close an investigation with incorrect reporting when documentation is provided that proves otherwise. 

Experian has closed their investigation with incorrect information. XXXX, my servicer indicates they are n't reporting a late payment. I have submitted a credit report to my loan servicer, but need further assistance in getting this resolved as the credit reporting agency has closed my dispute and I ca n't dispute the same payment over again.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I opened a dispute on the accuracy of the following accounts via Experian 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  They have failed to properly investigate, they sent me back a email regarding the accounts remaining on my credit profile on XXXX XXXX. I asked again for updates regarding the account XXXX XXXX via phone call I was told that I had to go online and re submit a dispute so I did so on the XX/XX/XXXX I received a email again saying that the information was verified and will remain on my credit profile on XXXX XXXX. I believe my accounts were not properly investigated via Experian the reason I asked for the information is due to a data breech that I have been affected by now the XXXX time. 

Experian has not ever fulfilled my request or requirements I have paid XXXX $ a month for monitoring and they have not protected me and this not okay. I was advised to complete a request with you all due to several laws being broken due to Experian neglect please have them REMOVE these accounts that I am unaware of from my credit profile immediately
Product: Credit reporting

ALL CREDIT AGENCIES REPORTING INCORRECT INFOR ... .REMOVE OUTDATED PUBLIC RECORDS PAST 7YRS AND SAME DATA REPORTED ON FILE XXXX X, REF # XXXX, REF # XXXX
Product: Student loan

I submitted a request for partial or full student loan forgiveness based on false certification due to disqualifying status and lack of ability to benifit because I have never earned a High School Diploma. The reason Navient gave for deneying my request was that maintain that my loan was disbursed prior to XX/XX/XXXX,  which is untrue. In my original application for discharge I supplied my High School Transcripts which show that I did not graduate. I also submitted college transcripts from the XX/XX/XXXX to prove that I attended College after XX/XX/XXXX but Navient refuses to acknowlege the documents or comment. I do not hold a college degree although I took college classes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to the bureaus it has been longer than 60 days and I still haven't gotten a response. I am really stressed and don't know what else todo. I have a list of unauthorized inquiries that is on my credit report that I did not commit.
Product: Student loan

The school that I went to was n't accredited and they said that they would dismiss my student loans I called navient and they said that I can add a military push back I guess that 's what you would call it and they did n't do it at all I just received a bill from them I have XXXX loan with them but they report on my credit as XXXX different loans on XXXX different amounts I 've called multiple times and I get the same response they tell me that there 's nothing they can do they can set me up for a further date to start paying but they still send me a bill my account number is XXXX XXXX
Product: Consumer Loan

My account with Regions Bank XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX is reporting wrong for the status on my credit report status shows repossession this recent have appear and Ive contact this company a lot of times and they said that they will update the information to the credit bureau and its has n't been update. The last person I spoke with stated they will correct the information I do n't have this vehicle and in the past the account showed charge off as the status not its showing repossession, they went and updated the payment history but at XXXX the payment show good payments but I do n't have the vehicle so they updated but my status shows repossession and it should n't this has cause my credit score to drop to XXXX from XXXX. XXXX XXXX the car was repo on XXXX XXXX the vehicle report charge on my account. Regions recently reported R again as in XXXX XXXX in XXXX XXXX I have proof of the incorrect information and the correct information. They are rude and no one wants to help nor understand my concern, If they are aware of a credit report they would understand but someone in the credit department do n't, they put special codes on my account so that any dispute I do would be deny. I will be contacting the XXXX with my concern. The account is close and its shows open on all XXXX of my credit reports. AWFUL
Product: Money transfer, virtual currency, or money service

After making a money transfer with JPay on XXXX XX/XX/XXXX I was hit with a {$10.00} cash advance fee by my credit card company. Per my credit card bank it is due to the JPay charge on XXXX XX/XX/XXXX being processed as an actual cash advance that is up to the merchant to decide on how they process the payment. Meaning that JPay did this on purpose as they have the choice to process it as a normal credit card purchase which this is. I have made 5 previous money transfers using JPay since XX/XX/XXXX and none of which were processed by JPay as a cash advance. While their site says credit card users " may '' have this happen. It has not happened previously over the past 1 and a half years.
Product: Credit reporting or other personal consumer reports

I was notified my account was past due via a credit alert. I had no idea I had missed payments. I called the company immediately and made a payment. I even signed up for autopay. I inquired on why I was not contacted, and I was told that I was emailed. Unfortunately, that email was sent to spam along with all the others. I asked the representative if there was someone, I could talk to about removing the mark on my report and I was told no that I had to dispute it. I did and the dispute was not in my favor. I inquired about why I was not called or contacted by other means and I did not receive an answer. I understand as a consumer I have a responsibility to keep my payments up to date. Unfortunately, during this time frame my father had passed and this account slipped my mind for some reason. I thought all of my accounts had autopay. With that being said, I don't feel like you gave me a fighting chance to ensure my account was up to date. You cant expect an email to suffice. Someone should have called or sent a letter to my home. This is poor customer service and protection of your customers. This mark on my credit report had significant impact and I am going through a loan process right now. This makes me want to close my account and go elsewhere. Why give my business to someone who works this way? I understand the significance of closing my account, but you already hurt my credit right?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified on XXXX XXXX XXXX that there was a change of address linked to my Zales/Commenity credit card. 
On XX/XX/XXXX I called XXXX and they were closed On XX/XX/XXXX I called Zales/Commenity Bank and they told me that the change of address was not linked to my accoung On XX/XX/XXXX I called XXXX again and they told me they couldn't do anything but mark the address as fraud and to file a compliant here On XX/XX/XXXX I called Zales and they couldn't find anything again
Product: Money transfer, virtual currency, or money service

Couldn't reach a live person to help with my money problems. I had money took from my account.
Product: Money transfer, virtual currency, or money service

Back in 2023 I was trying to buy to buy a car and I XXXX the wrong person I call the bank to refund me and they never did
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX Account number XXXX The following account is reporting incorrectly on my consumers profile, According to XXXX XXXX and The FCPA you are suppose to report information, Timely, Accurately & Verifiable. This has cause detriment to my reputation and because of the confusion you have caused I'm asking for you to delet these late payments on my profile for the simple fact its not consistent, Its not true, it's damaging my life, this is incorrect and you guys have it wrong and according to the rules you must delete. This should be the same accross all consumer agencies, but it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help with getting my Annual credit report. I need them from all three companies : Tran union XXXX. XXXX XXXX. Please. The questions that was ask I answer then correctly .And my address has not change.
Product: Money transfer, virtual currency, or money service

paypal closed my account i cant transact my money even if the 180 days have ended i don't know what is the problem. i have tried to contact them but there is no replies. hope you will help me. my paypal account is XXXX XXXX
Product: Debt collection

Different people call from this number saying they are fifth third bank looking for XXXX XXXX. I have told them that its not his phone number. I've asked what do you want and they ask address, birthday, and once they feel I'm not telling the truth they end the call. I've told them to stop calling. I've told them, " take me off your call list ''. I've said how would they like it if I called them twice a day everyday. They just tell me to have a nice day. When I block the call they are still able to leave a VM message.