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

XXXX XXXX XXXX  is reporting an old account on my credit file incorrectly across the 3 credit bureaus. This inaccurate reporting is very damaging to my credit report. 

the account is being reporting different to each bureau - EACH BUREAU HAS INACCURATE REPORTING BY XXXX XXXX XXXX ( SEE ATTACHMENT ) Experian XXXX - 17 late payment reporting including 6 months of being reported as XXXX XXXX XXXX - 5 late payments, ON TIME payments for XXXX and the account was charged off XXXX SEE ATTACHMENT ) XXXX XXXX - NO DATA XXXX XXXX is reporting this account different to each bureau ( SEE ATTACHMENT ) to Experian they report 30-120 day lates from XX/XX/2017 to XX/XX/2017. From XXXX XXXXr XXXX  they are reporting XXXX To XXXX XXXX are reporting that i was paying on time. XXXX has no data. 

this inaccurate reporting has been going on for years, under the FCRA I'm entitled to fair and accurate reporting to all three credit bureaus.
Product: Credit card

Bank of America inappropriately closed my account and I am quite disappointed by it. I have had this account for 20 years with a perfect payment history. My utilization was always 10 % or less. I believe Bank of America made an incorrect decision to break up with a great customer like me and I would like to request they reconsider my account closure and re-open my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon ordering a copy of my credit report, I see an entry listing Bankruptcy Chapter #  XXXX . According to FC RA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from  the consumer credit file.   The United States Bankrup tcy Court DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personal id entifiable information reported.   However, credit bureau actively searches public records for any judgments and tax liens through third party research.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports with the three major credit bureaus contain accounts that should not be listed according to the wording and intent of 42 USC 407, which reads : 407. Assignment of benefits ( a ) In general The right of any person to any future payment under this subchapter shall not be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this subchapter shall be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. 
( b ) Amendment of section No other provision of law, enacted before, on, or after XX/XX/XXXX, may be construed to limit, supersede, or otherwise modify the provisions of this section except to the extent that it does so by express reference to this section. 
( c ) Withholding of taxes Nothing in this section shall be construed to prohibit withholding taxes from any benefit under this subchapter, if such withholding is done pursuant to a request made in accordance with section 3402 ( p ) ( 1 ) of the Internal Revenue Code of 1986 by the person entitled to such benefit or such persons representative payee.

( Aug. 14, 1935, ch. 531, title II, 207, 49 Stat. 624 ; Aug. 10, 1939, ch. 666, title II, 201, 53 Stat. 1362, 1372 ; Pub. L. 9821, title III, 335 ( a ), Apr. 20, 1983, 97 Stat. 130 ; Pub. L. 105277, div. J, title IV, 4005 ( a ), Oct. 21, 1998, 112 Stat. 2681911. ) None of my accounts pertains to section C, withholding of taxes. Therefore, everything derogatory about my credit that is reported by any agency other than various student loan lenders should be removed, as they are expressly not " assignable, at law or in equity '' and may not " be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. '' These creditors include : XXXX XXXX XXXX FOR {$3900.00} IC SYSTEM FOR {$540.00} XXXX XXXX FOR {$100.00}, {$88.00}, {$81.00} AND {$65.00} XXXX XXXX FOR {$1000.00} XXXX XXXX XXXX FOR {$3100.00} XXXX XXXX FOR {$1000.00} Also, ALL of my federal student loans have been dismissed by a Total and Permanent XXXX ( TPD ) waiver, bu several still show as actively unpaid, including one last reported XX/XX/XXXX for {$3900.00} ; one last reported XX/XX/XXXX for {$26000.00} and one last reported XX/XX/XXXX for {$270.00}. The others correctly reflect the TPD. 

Finally, one last reported by XXXX XXXX XXXX on XX/XX/XXXX for {$5000.00} has been on appeal in various court 's since before it was first reported, the most current being the New Mexico Supreme Court, Case No. XXXX, which is in abeyance pending the decision of another appellant 's similar appeal. As my case has been and remains on appeal, this entry should be deleted entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has to do specifically with Transunion. A credit company called XXXX  was the merchant. I had an account opened fraufrntoy in my name. I disputed it and XXXX mailed me a letter stating the were going to investigate for XXXX days. They then sent another letter stating they confirmed it was identity theft and requested it be removed from my account. XXXX and XXXX have removed it but transunion refuses to do so
Product: Mortgage

My problem is not with my current mortgage company ( XXXX  : NMLS # XXXX ). My issue is with the original loan company ( Loancare MLS # XXXX ). 

Apparently my loan was sold at the beginning of the year. This happened without my knowledge as the documentation sent to me made it sound as though the mortgage was being transferred to different departments withing the same company. As such I continued to submit my payments ; via bill pay, to the same organization. 

It was not until my new company ( XXXX  : NMLS # XXXX ) threatened me with foreclosure that I realized my payments were not going to the right place. I immediately contacted my original loan ( Loancare MLS # XXXX ) company and reported the missing {$7600.00}, and opened a case to have those funds either returned to me or forwarded to my new loan company. 

The original mortgage company ( Loancare MLS # XXXX ), refunded {$3700.00}, but then closed my case with a remaining missing amount of {$3900.00}. When contacted they tried to say the refunded everything. I provided them bank statements as well as statements from my current mortgage company ( XXXX  : NMLS # XXXX ) proving the original mortgage company ( Loancare MLS # XXXX ) had not forwarded the funds to the new mortgage company. 

To date they are refusing to account for the remaining XXXX, and continually close the case when I reopen it.
Product: Consumer Loan

I went directly thru Bank of America to get pre approved for my car loan. Once I found the car I wanted to purchase I went to the dealership and took with me the approval letter. I called Bank of America to get the status of the Loan a week after having my new car. i was told that because I had gone to a preferred dealership I needed to follow up with them. I was really upset and explained to them that the main reason I got approved directly thru Bank of America was to avoid dealing with the dealership. I immediately asked for my issue to be escalated. The representative said she would escalate the issue but I never received a call from the escalation department. A few days passed and the dealer contacted me stating that my rate had increased due to having been {$1400.00} over my approval amount. I called the lender again and was told that all was resolved and we reached a new agreement. A new approval amount was uploaded to the system and when the fewer called to confirm new terms Bank of America said that the loan was back in UW. How can an approval be given in WRITTING before an UW looks at it. Again I called lender and they said that I needed to go back to my dealer for answers. Why do I have to go back to the dealer when they did n't tAke care of my financing? I submitted my loan directly thru bank of Americas website!!! To make matters worse I was. Ever assigned a loan officer and ifs a loan officer is assigned it 's out of formality because no one has ever reached out by either mail or phone to introduce themselves, which makes this process even more confusing. So to sum it all up I was not assigned a point of contact, I am being mislead as to what the reasons of various UW are and although I have asked for my loan to be escalated no one has reached out. My application is about to expire on XXXX XXXX and I refuse to have my credit pulled again when it 's not my fault.
Product: Consumer Loan

I sent in payment for my car loan in XXXX 2012. American Honda still chooses to claim it was charged off. I paid it not charge off which is on my credit report. That needs to be changed. I have the title hence I paid it. Think they are angry because they wanted the car to sell to make more money.
Product: Debt collection

I owe a debt to XXXX and was paying on it they sent it to collections to harass me to pay more
Product: Debt collection

Diversified adjustments is contacting my wife and myself on an account that is more than 7 years old. We have repeatedly told them we have already paid this and we are not paying any more money on this balance. 

Along with the fact the debt is non existent in XXXX  system at this time after we contacted them directly.
Product: Money transfer, virtual currency, or money service

I sent money via Zelle to the wrong account, the bank said there was nothing that could be done except asking the person for the money back
Product: Debt collection

Continue to receive debt collection calls from Portfolio Recovery Service. I do not have any debts, nor have I ever. All times Central. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX????? XXXX XXXX????? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Collection deleted by transunion, still shows on other 2 CRA.The debt collector is refusing to comply with their requirement to report the results to the other CRAs, and will only do so if I initiate a dispute with each CRA, that is a blatant disregard of their statutory requirement. 
They have the obligation to correct or delete their reporting. 

Unfortunately, their practice is also harming me, as each dispute, while pending, decreases my scoring with that CRA until the dispute is resolved and their dispute flag is removed. 
Willful noncompliance of any provision of the FCRA also gives rise to civil liability on their part, with possible punitive damages. See FCRA 616.
Product: Mortgage

I did a modification with M & T bank back in 2014. I was told that the money owed would be put on the end of my loan. Today I found out there is a second mortgage of {$15000.00} that I knew nothing about. I was never told there would be a second loan! I spoke with a rep by the name of XXXX that was rude then got a supervisor by the name of XXXX. All these folks keep saying was this {$15000.00} was in paperwork I signed. As I explained to XXXX if I was told a second mortgage would be put on me then I would sign for it. M & T Bank and this other company basically has me owing almost {$85000.00} for a house worth {$66000.00}. I wasnt given any money so i dont know who got the {$15000.00}. I feel I should be let out of this since I was lied to the entire time. I want all communications between me and M & T listen to so you all can see I was never told about a second mortgage. I would have just let them foreclose before owing that much for this house. I am trying to purchase another home and owing this much wont allow me to sale this home or purchase the new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit file as a result of identity theft : XXXX XXXX XXXX  - XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX{$1500.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/2019 {$1000.00} - XXXX XXXX XXXX XXXX XXXXY XX/XX/XXXX {$150.00} - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX{$83.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$83.00} INQUIRIES : - XXXX   XXXX XXXX XX/XX/XXXX EQUIFAX COLLECTIONS : - XXXX XX/XX/XXXX {$1400.00} - XXXXXX/XX/XXXX {$1500.00} - XXXX XX/XX/XXXX {$1500.00} - XXXX XX/XX/XXXX {$1000.00} - XXXX XX/XX/XXXX {$1600.00} - XXXX XX/XX/XXXX {$820.00} - XXXX XX/XX/XXXX {$83.00} - XXXX XX/XX/XXXX {$750.00} - XXXX XX/XX/XXXX {$1000.00} - XXXX XX/XX/XXXX {$83.00} - XXXX XX/XX/XXXX {$150.00} INQUIRIES : - XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX : -XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$83.00} - XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX {$1600.00} - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$820.00} - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$1100.00} - XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX {$750.00} - J XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} - XXXX XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} -XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - XXXX XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} -XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - XXXX XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} - XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX {$150.00} - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$83.00} INQUIRIES : -XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XXXX and XXXX, I worked with the XXXX XXXX - one of my banking institutions and Experian to determine why a key factor ( that had never been listed before ) cause my FICO score to drop 46 points. 

Experian uses FICO Score 9, and XXXX XXXX pulls the report quarterly. My 2019 scores with Experian had been XXXX, XXXX, and then a large dip to XXXX. ( of note, my Fico with XXXX  is XXXX ). Since lenders use FICO scores to assess creditworthiness, I explored with XXXX XXXX, initially the reason for the drop since they provide the data to Experian in order to make the report. Then I spoke with Experian about the listing of a key factor. It has not basis since Experian can not provide nor show where there is an installment loan amount that is similar to the original installment loan amount. Since early 2019, my overall debt have been reduced, particularly the mortgage loan which has been paid down substantiality through a number of extra payments. I have two loans : mortgage being paid off early ; and a line of credit that has not been used. There is NO other loan. 

XXXX XXXX said Experian could address the issue. I requested the branch manager reach out to me in a follow call and XXXX  never followed up on the matter ; Experian said they were not responsible for the key factor statement and that I can not dispute a key factor statement. Some data was entered incorrectly somewhere by someone, and neither party is addressing the matter responsibly. 

The key factor that states why my FICO dropped 46 points is enclosed. This statement is not true. 

2. The proportion of loan balances to loan amounts is too high. FICO Scores weigh the balances of mortgage and non-mortgage installment loans ( such as auto or student loans ) against the original loan amounts shown on a person 's credit report. Your score was impacted because your proportion of installment loan balances to the original loan amounts is too high.
Product: Debt collection

Eastern Account XXXX has obtained this debt from XXXX XXXX XXXX and the number that I was provided is no in service ( XXXX ) nor is the website on the letter available for a " live chat '' as indicated on the letter. When I contacted the original merchant, XXXX  they have the same outdated contact information that I already attempted to resolve the account with.
Product: Student loan

On XX/XX/XXXX, I called my loan servicer Edfinancial Services, to request a refund of specific loan payments made during the payment pause/COVID forbearance period since XX/XX/XXXX. I paid my graduate school loans in full earlier this year before Biden announced the Loan Forgiveness Plan, which I would be eligible for up to {$20000.00} in debt relief based on receiving a Pell Grant for college and my income is below the threshold. I requested the refund of specific payments so that {$20000.00} of debt could be reinstated to my Edfinancial account and then I can apply for Forgiveness in early XXXX. 

During my call on XX/XX/XXXX, I was told by the representative that my account balance will be updated to reflect the total of the specific loan payments ( {$20000.00} ) in a few business days and the refund to my account will take up to 150 business days. As of XX/XX/XXXX, my account balance has not been updated like I was told. 

On XX/XX/XXXX, I called my loan service Edfinancial Services again to get more information about updating my account balance to {$20000.00} and to check on my refund status. I was then told conflicting information by a second representative that the refund has to be processed first before the account balance is updated. They could not give me any accurate information on the timeline of when the refund would be processed. 

The first representative from XX/XX/XXXX confirmed that my account balance would update to {$20000.00} in a few business days, which is what I will need to be reflected to be eligible to apply for forgiveness. Again, my current account balance is not updated like I was told. 

All in all, Edfinancial has been sharing conflicting information. They are also not helpful with sharing an accurate timeline of how the process works. All I am requesting is that my account balance on Edfinancial reflects {$20000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX XXXX years straight I paid all my bills on time XXXX score would never go over XXXX but my income change in XX/XX/2023 so I have some 60 days late and my credit score was dropped by XXXX points. They never gave me XXXX points when I waXXXX XXXX straight years on time also within those all paid on time bills the decrease my {$2000.00} with XXXX XXXX to {$1200.00} which was my balance when they decreased so that made my debt to ratio high. Just XXXX points is outrageous but I never advanced with the XXXX years been timely. Please help me this feels unethical wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, 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 times. I demand he 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. 

Accounts : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX-XXXXXXXXXXXXXX Account name : XXXX XXXX Account number : XXXX While checking my most recent credit report, I noticed credit result of identity theft, made by the following companies : XXXX XXXX XXXX Inquired on XX/XX/2021 Inquiries that I did not authorize did not authorize anyone employed by these companies to make any inquiry and they are view my credit report. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please complete this investigation, as per the Fair Credit Reporting Act. Please note that you have 30 days to complete this investigation per the Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed I had 1 late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM ACCURACY. I have never been late on a payment. This account XXXX account number XXXX PLEASE INVESTIGATE and provide proof with statements showing that these payments were late if proof can not be provided I demand these late payments be updated TO ON-TIME as they should be because I WAS NEVER LATE. This account is not accurate XXXX states I was late XXXX/2023 however XXXX and Transunion states I was never late. This is a violation of the Fair Credit Reporting Act. 15.US Code 1681e- Compliance for Accurate reporting.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Equifax for Failing to Properly Investigate Inaccurate Reporting oXXXX XXXX Account Description : I am filing this complaint against Equifax for failing to properly investigate and address inaccuracies in the reporting of a XXXX account ( Account Number ending in XXXX ) on my credit report. Despite Equifaxs obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of information and conduct a meaningful investigation of disputed items, my concerns and supporting evidence have been disregarded.

The inaccuracies and inconsistencies in this accounts reporting include the following : Charge-Off Reporting with a {$0.00} Balance : The account is listed as a charge-off, yet the reported balance is {$0.00}. This inconsistency suggests the debt may have been resolved, contradicting the charge-off status. 
Conflicting Status " Transferred or Sold '' : The account is marked as both " charged off '' and " transferred or sold. '' These statuses are incompatible unless properly explained. If the account was transferred, Equifax should remove the charge-off designation.

Charge-Off Amount Discrepancy : The charge-off amount is listed as {$990.00}, but the balance is {$0.00}. This inconsistency is misleading and harms my credit profile. 
Incomplete Payment and Delinquency History : There is no payment history or delinquency reporting for XXXX. The absence of this information raises questions about the accuracy and completeness of the data furnished to Equifax. 
Date of First Delinquency Misalignment : The account was closed in XX/XX/2020, but the first delinquency is listed as XX/XX/2020. This misalignment raises doubts about the accuracy of the reported data. 
Repeated Charge-Off Reporting Without Resolution : The charge-off status persists even though the account has a {$0.00} balance, indicating that Equifax has failed to verify the resolution of this account.

Failure to Investigate : Equifax failed to conduct a meaningful investigation into my dispute. The continued reporting of inconsistent and inaccurate information demonstrates Equifaxs reliance on the furnishers response without independently verifying the data or considering my supporting documentation.
Product: Money transfer, virtual currency, or money service

They charged my account for things that I didnt authorize.