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

Credit bureau refuses to remove/delete negative items even after I submitted a FTC identity theft report.
Product: Mortgage

DiTech is the subordinate lender to a home that foreclosed and sold at auction in XX/XX/2018. The first lender charged off the debt shortly after the auction but DiTech has been dragging its feet in closing out this account/charging it off. I've made numerous calls and was once told that the charge off had been approved and was going through the routing process. Now in more recent calls, no one can tell me what is going on with my account. DiTech is dragging its feet! I haven't owned this home for nearly 1.5 years. My last payment to DiTech was nearly 4 years ago. They need to dispense with my account immediately. DiTech is a horrible company.
Product: Vehicle loan or lease

Called Credit Acceptance to see the condition of the car so I can either get the car towed to me or picked up i have been given the run around ever since I paid the fee to come get the car i have been having these problems also contact is fraud i never sign the contract threw online the contract i have doesn't have finance charges because credit acceptance have hidden fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are the dates when I mailed out letters asking them to fix the errorsXX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any  and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Product: Credit card or prepaid card

Earlier last week, Bank of America called and left a message in regard to a possible fraud alert on my account. I then received a letter from the bank stating that they had received a credit card application in my name. This letter asked me to call the bank to inform them if I did submit the application. I called the morning of XX/XX/23, informing the bank that I DID NOT ask for a credit card application. I was informed that not 1, but 2 applications have been submitted in my name. I confirmed all requested information with Bank of America in regards to my personal information. The representative informed me that the applications have been denied and there would be a fraud notification on my account.
Product: Debt collection

The company will not remove the item from my report. I agreed to pay the debt off if they deleted it. I paid and its still on the reports.
Product: Debt collection

Pressler & Pressler took 100 % of the funds from the bank account of a friend who let me use their account XXXX years ago to cash my unemployment. They will not give his money back until her proves to them it is his money!! I have been unemployed for XXXX years, have no home or belongings. They sent me a notice back in XXXX 2015 that they were collecting the debt and I wrote back that I disputed it. No communication since then. Then they took the funds and when my friend asked the bank what happened, they gave him a copy of the writ. It looks fake. I contacted Pressler and Pressler and told them what they did was wrong, and they were evil. They said that they would not give back the funds until my friends proved it was their account. They requested 3 months of their bank statements and deposits. They supplied them and P & P still denied refunding their money. My friends have asked me to leave their home, in fear that P & P will go there next and try to take their belongings saying that they are mine and making them prove otherwise. This is just horrible and they need to stop. Please help.
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 Account # XXXX has violated my rights. 
XXXX XXXX XXXX. Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A States I have the rights 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 1681 c ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting report containing any of the following items 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 or other personal consumer reports

FCRA 605B, I believe, requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts have inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

It is my understanding that FCRA 605B requires us to remove any inaccurate accounts from my credit report. Could you please review the documents? Some of the accounts listed are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Auto Pay for Home depot didnt work for some reason and I became behind on a single payment. Tried contact card service but the automated system has me stuck in a loop where I can't make a payment do to technical failure of the Home Depot card service phone and web systems. The customer service is completely automated and I am unable to even talk to a person about my issues. I have been regulated to wait for them to call me but the use a automate system for that too that also can not process my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Also settings and app are not the same. I've been waiting for new cards promised on XXXX. They changed my card numbers and charged XXXX and gave XXXX my new card number. I have tried over a dozen times to resolve this with no restitution and now I'm being charged late fees.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had a 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 payments for the account : ( XXXX ) : ( Account # XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on-time as they should be, as I was Never late. Thanks
Product: Vehicle loan or lease

On XX/XX/2020 I refinanced my vehicle loan with Foursight Capital based in XXXX XXXX XXXX, Utah through my credit union. The credit union processed the refinance in the amount of {$20000.00} which was the payoff amount that was valid through the XXXX of XXXX as per Foursight Capital 's website. I called Foursight on XX/XX/2020 to inquire why they had not yet applied the check to my account. The customer service representative said that they received the check on XX/XX/2020 but would not process the check because there was a discrepancy due to the seven days interest between the date of the payoff amount and the day the check was received. It has now been an additional four days. They did not let anyone at my bank or myself know that they had received the check and are now demanding I pay the additional four days of interest, even though the check was received on the XXXX. I am prepared to pay the seven-day difference, due to the check not being received until the XXXX, but feel it is completely unfair to be held responsible for any amount after the XXXX since they received the check and have not and refuse to credit my account so I can pay the difference. I have been logging in every day to see if the payment had been applied so I could finish paying it off, but they refuse to credit my account for the amount of the check the received from my credit union, thus charging an additional four days of interest when they have had the check in their possession without crediting it to my account or letting anyone at the credit union know or let me know they've received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of the COVID-19 Pandemic I spoke to a representative on American Credit Acceptance about my employment status being changed due to the government shut down. The associate ensured me that I would not be charged any late fee nor would my credit reporting be changed due to the pandemic. I have continued to pay every dime I have to them to make sure my car payment stays current and to my surprise when I checked my credit I was reported late for the month of XXXX for failure to pay late fees. I understand that and normal circumstances this would be an accurate reporting but due to the fact that I was specifically told my an associate of that company that I would not be charge late fees and the late fees ( accumulating around {$230.00} for multiple months ) is what reported to my credit report. I am asking that American Credit Acceptance be true to their world in helping their customers out during the tough time and reverse any late fees i have been charged and most importantly fixing the reporting on my credit profile immediatley.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my end of year for a cahecking account I rarely use. I noticed some charges for XXXX for Experian. I went back and did deeper review and found out Experian has been charging me for some credit monitoring service I never used. I called Experian and was told that the signup had occured in XX/XX/2021. Basically it was a unchecked box in some other service that allowed them to bill me for something I never intentionally signed up for. I contacted Experian and the offered a 1 month refund of XXXX. I then spoke with a supervisor and they offered 2 months of refunds. I said that was unacceptable, they said that all the can do and disconnected the call. I then contacted my Bank to file a dispute, the bank has said they can only offer 3 months of refunds. Anything else they are not legally allowed to do as this is linked to a debit card. They suggested I file a complaint and pursue small claims court action. I had 11 total charges for {$14.00} each for a total of {$160.00}. Experian has refunded 2 payments at a total of {$29.00}. I am still owed {$130.00} for a service I never intended to sign up for and never utilized. I have attached a list of the charges, the two highlighted in yellow have been refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one ( 1 ) account that should have aged off of my credit report that is not only not aging off, but is being reported in duplicate ( XXXX as opposed to XXXX ) on my credit report. 

I have contacted and informed both the company that is supplying this erroneous, damaging information ( XXXX ) and the credit reporting agencies Experian and XXXX with no success. I have sent documents to include XXXX 's and first report dates that validate my position that the information should have aged off and that the amount was for XXXX and not XXXX.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, consumer and natural person, I am a victim of identity theft. I am writing to dispute the reappearance of an account on my credit report that had previously been deleted. Under FCRA Section 611 ( 15 U.S.C. 1681i ), I request that you reinvestigate this matter, as the reappearance of this account suggests a potential error. Under FCRA Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or incomplete information on my credit report. The reappearance of this account after it was previously removed constitutes an error, and I demand that it be deleted immediately. XXXX and Experian, have used and furnished my consumer report without my authorization consent or written instruction. My information was share to nonpublic personal information without my consent and also used that information to furnish. XXXX makes it clear that the consumer has a right to privacy which Experian and XXXX have violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentially of my personal information. The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with falmess, and respect to the consumer right to privacy! 
Under the XXXX XXXX XXXX XXXX of XXXX I enclosed all documents social, ID, proof of account deletion and statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

New Additional information : I have sent Navy Federal Credit Union a debt validation letter on XXXX {$1300.00}. I have yet to receive and any information pertaining to this alleged debt. It is past 45 days according to the FCRA, FCDPA. And they have violated my consumer rights. I will be seeking remedy. Since they did not respond to my debt validation letter. I followed up with a cease and desist letter. An account continues to report charge off on a closed account since XX/XX/2018. Which is also a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

An alleged public record bankruptcy appears on my credit report. I submitted a dispute with the credit bureau requesting that they provide their process of verification for accuracy and i received a letter saying that the alleged pubic record was verified by furnisher, US bankruptcy court. The actual procedures were not provided to me. I then contacted the US bankruptcy court requesting information on their procedures to verify the bankruptcies with the credit bureau and the US bankruptcy court clerk responded with a letter stating that they do not verify bankruptcies for or with any third-party companies, including credit bureaus. I tried again to dispute with the credit bureau with the following : As per 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information I disputed because i have reason to believe that you have not made any reasonable determination that my dispute was frivolous or irrelevant Nor have you sent me a notice of such determination that corresponds with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the alleged public record information contained in my consumer file as per the FCRA. I have not received a follow up or deletion from my report.
Product: Credit reporting 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.

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 inructions 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. 

These are the inquiries which should be off from report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXXXXX XXXX XXXXate of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Student loan

On XX/XX/XXXX, I submitted THREE PSLF Employer Verification Forms to MOHELA in order to verify additional employers with qualify payments under the one-time PSLF waiver. On XX/XX/XXXX, MOHELA responded to the first of my three forms, and stated the form was " missing employer information. '' It was not. I called MOHELA on XX/XX/XXXX, and I spoke with a customer support agent who manually looked at the form, and said, " it looks good to me ; I will resubmit it. '' On XX/XX/XXXX, I logged on to MOHELA 's self-service website and noticed all three of my forms were now marked as " duplicate form. '' They are not duplicates. They are THREE different forms with different employers to verify under the one-time PSLF waiver. I called MOHELA again on XX/XX/XXXX. I again spoke with a customer agent. The agent stated, " I see what you mean ; these are not duplicate forms. I will reprocess the forms. '' As of XX/XX/XXXX, all THREE employer verification forms are still marked " duplicate form '' on MOHELA 's website, and no additional action has been taken. On XX/XX/XXXX, dealing with another problem with MOHELA, I spoke with a level-two support agenda, on the customer escalation team. I asked if she could take a look at my PSLF forms too. She stated, " I will mark them for re-processing again, but they all look good to me. '' While I understand the transfer of the PSLF program from XXXX to MOHELA has taken time, and MOHELA is currently stating 60-90 wait periods, I did wait. My forms were completed on XX/XX/XXXX. MOHELA 's errors in processing them are causing delays.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I applied for credit with XXXX. They approved me for a {$200.00} line of credit. XXXX did a hard credit inquiry, and when I went to check, Equifax had dropped my score to XXXX points! I could understand maybe dropping it to 5, even 10, but XXXX is ridiculous! My credit previous to this was XXXX with Equifax, now XXXX. I'm trying to make an effort in improving my credit score, to move forward, not backward! I called Equifax toll free number and explained to him exactly what I said here! His reply was Sorry and he hung up! It's bad enough a large drop like this, but to stay on your credit report for 2 years!
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports