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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Debt collection

AFNI Inc is reporting a collection account as TYPE = OPENThis makes it appear as a open tradeline artificially dragging my credit score down. Collection agencies are only allowed to report as TYPE = COLLECTIONThis has been going on for years and I have disputed it several times. The data is accurate on my XXXX and XXXX reports. This complaint is against AFNI and XXXX 

Today XXXX employee XXXX employee # XXXX told me that the collection agency has the option to report this and even if inaccurate they can not do anything about it, and would not file a dispute.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub> 2024 700 CREDIT/XXXX XXXX Automotive Creditor information 700 CREDIT/XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my consumer credit file from XXXX, XXXX and Equifax and notice these late payments with XXXX XXXX XXXX  # XXXX. I am requesting all be removed from my file this finding has caused stress, my credit utilization to increase which ultimately has caused a low credit score and credit denials along with higher interest rates. 


15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on you in the first place. 

The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the comp corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.
Product: Student loan

I recently saw that AES/PHEAA is being fined for their mishandling of loans from XXXX : XXXX XXXX XXXXXXXX During that time, I submitted for the public service loan forgiveness program, having made 120 payment since XXXX, all while serving in state government. According to that program, by loan balance should have been forgiven at that point, but was incorrectly denied. I reapplied in XXXX ( apparently when the agency regained some direction ) and my loans were promptly forgiven. 

I'm attaching my original application that was denied, saying simply that I did not qualify, which was patently false. There was no appeal process, however. 

I was wondering if there is any potential payback to borrowers or other avenues we can access to recoup funds that the agency incorrectly collected. During the four year span between my denial and re-application, I paid approximately, {$10000.00} more than I should have because of their errors or incompetence and I'm wondering where I could go to maybe recoup some or all of that overpayment. 

Thank you!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

On XX/XX/year>, my husband, XXXX XXXX XXXX died. His XXXX  XXXXXXXX XXXX XXXX XXXX last XXXX # XXXX, SS # last XXXX XXXX rolled over with an Annual Fee of {$99.00} on XX/XX/year>. At that time, XXXX had already suffered a XXXX XXXX XXXXXXXX affecting his ability to read and understand paperwork in XXXX, was in XXXX, XXXX and XXXX XXXX. As the Executrix of his estate and his Widow, I was not aware of this credit card account until notified in writing of a late fee on XX/XX/year>, and I called Chase Bank immediately, providing them with all requested information and making them aware of his physical and mental state on XX/XX/year>, clearly stating that he did not need a credit card with an annual fee as he was deceased ( see attached death certificate and Estate paperwork ). XXXX  I was informed that the XXXX  day grace period had passed to stop renewal of the card. I informed them that I was unaware of the credit card and that XXXX was deceased and unable to inform me, as executor. Then, calling XXXX  more, I was informed that the late fee and Annual Fee had been expunged. Then, in XXXX and XXXX, I was informed that " somehow '' the Annual Fee of {$97.00} had been re-applied by the " Back Office. '' I was informed that I am unable to talk to the " Back Office '' directly to attempt to resolve this issue. I was informed that the " Back Office '' had been emailed XXXX  times by Chase Agents and that they would reply regarding the issue. No reply has been forth-coming. This is no way to treat a customer or a Widow.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX. ( XXXX XXXX ) Account # XXXX, ( XXXX XXXX Account # XXXX ( CBNA ) Account # XXXX, ( CBNA ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX ( CBNA ) Account XXXX XXXX, ( CBNA ) Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Mortgage

As of today XX/XX/2023, PHH Mortgage continues to mislead and prolong information needed to Apply for the XXXX XXXX XXXX XXXXXXXX. Ocwen is the origin loan servicer for my loan. PHH Mortgage Services ' information regarding my loan has multiple legal violations in which my mortgage payment her not accurately reported on my statement. A letter was sent to my home on XX/XX/2023 stating that I didn't give them legal consent for my fiance to get information which is totally false. I have given them written consent to allow my fiance to have consented to the information. PHH Mortgage Service continues to use tactics to not resolve issues that are being stated. XXXX XXXX from PHH Mortgage Services continues to avoid giving me the information requested. I have contacted PHH Mortgage Services for years and the refusal of providing the information requested was not provided. PHH Mortgage Services continue to violate the federal consumer financial protection act and state laws governing unfair and deceptive business practices. As of today XX/XX/2023, PHH Mortgage Services failed to promptly and accurately apply for my loan payments, failed to maintain accurate account statements, didn't provide accurate and timely information to me who sought information about loss mitigation services, such as loan modification, provide false or misleading information to me for loan transferred from other loan servicers, improperly denied loan modification several times to me, provided false and misleading reasons for denying loan modifications, failed to honor modifications that were already in process and that had been agreed to by prior lender and servicers that had transferred loans which was Ocwen my original servicer.
Product: Debt collection

I ( XXXX XXXX ) recently found a report on XXXX 2023 on my XXXX credit report., reported by GLOBAL ASSET AGENCY with an amount of {$2600.00} company number is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona. I do not recognize the company or the amount they are collecting for., or reporting for. I dispute amount owed or that I owe this company. I was never notified of any collection on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureau to confirm these records ( 1 ). ( A ). I'm confident the contested records is settled. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$44.00}
Product: Mortgage

I applied for a XXXX XXXX XXXX reverse mortgage with Finance of America Reverse LLC ( FAR ) in XX/XX/year>. I had the appraisal on XX/XX/year>. On XX/XX/year>, I received in the mail a GFE outlining the terms of the loan. 
After that, I received no other written communication and only received verbal updates through my broker. Despite the fact that reverse mortgages are based on equity and that I have more than $ XXXX of equity in my condo, FAR is continuing to stall in financing the loan claiming I don't have enough income. 
My income is based on part-time XXXX employment and self-employment. My credit report and score are " very good. '' I have provided them with every piece of financial data they have asked for, including letters from the XXXX and my boss attesting to the income plus months of pay stubs and tax returns. 
I contend that they are not acting in good faith, that they are engaging in a 'bait and switch ' from their original GFE  and that there is no indication based on all my financial documents that I can not pay the property tax and insurance that they are claim they are so concerned about. 
FAR  is the only company that offers the XXXX XXXX XXXX XXXX Mortgage. I want to warn other consumers to beware when working with this company. They do not act in good faith.
Product: Mortgage

I usually pay the total amount of my loan for the next month at the end of each month. However, the payments on XX/XX/XXXX and XX/XX/XXXX were both reversed. I received a phone call from the company Mr Cooper in XX/XX/XXXX informing me that the payment on XX/XX/XXXX had been reversed, so I made the payment again on XX/XX/XXXX. But nobody notified me that the payment XXXX had also been reversed, so my payment was delayed by one month, causing the bank system to mistakenly assume that my monthly payment was for the current month 's loan. 

Since XX/XX/XXXX, I have been charged late fees for four consecutive months, namely XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The employee of the company Mr Cooper who called me at the time said that the reason for the reversed payments was due to a system update, so all of these payment errors were caused by your system. I have paid my loan on time every month, and I am not at fault, let alone being charged late fees for no reason. 

I demand that Mr Cooper refund all of my late fees, but the company didnt resolve this problem so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXXXXXX Balance {$690.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$610.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXXXXXX XXXX ) XXXX Balance {$2100.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$520.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$260.00} XXXX XXXX ( Original creditor : XXXX  XXXX XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$690.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX CT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$610.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX  ( Original creditor : XXXX  XXXX XXXX  ) XXXX Balance {$100.00} XXXX XXXX XXXX  Inquiry Date XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

I called and was told there is a wage garnishment in place. I asked what I the debt can you provide original documents because I was a victim of identity theft. XXXX XXXX   XXXX tried to collect this debt and was unable to provide proof of debt and did not serve me properly. Now Fein, Such, Kahn and Shepard now want to collect all they sent was a wage execution letter. I was not served with any notice prior to this.
Product: Debt collection

The company I.C. systems is threatening and attempting to damage my credit By reporting the same credit for the same company on a weekly basis. I have XXXX XXXX and I am getting alerts each week since XX/XX/XXXX in which this company is hitting my credit each week for the same debt. I have the account in dispute from XXXX in which they are charging me for services in which they never rendered. I requested transcripts and the calls to be heard of the multiple times I called disputing the charges to the company for them not giving me the product I requested and was never able to use. The debt collector is now threatening my credit and doing illegal reporting weekly for the same debt. I see this as being abusive action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed, with all credit reporting agencies, the information being reported by XXXX XXXX XXXX. The information could not be validated and, as a result, the company issued a letter and removed all information from all credit bureaus. Now, for some reason, XXXX has added a deleted account back to my credit report. I need this account removed and I need it to stay removed. I need XXXX to provide an explanation as to why they put this back on my credit profile. I never opened an account with XXXX. Under The Fair Credit Reporting Act, once an item has been removed it can not be re added. XXXX XXXX could never provide me with any documentation proving I agreed to this ridiculous debt. Even after I disputed with the CFPB, they still could not validate and agreed to remove and I have the letter so now why is it being added with different information. I never received any information or communication, as required by the Fair Credit Reporting Act, from XXXX XXXX, XXXX, Equifax or XXXX  that this account was being placed back on my credit.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Hard Inquiries and Charge-Offs on My Credit Report To Whom It May Concern, I am writing to formally dispute unauthorized hard inquiries and inaccurately reported charge-offs on my credit report, as reflected in the attached documentation. These inaccuracies have caused significant harm to my creditworthiness and financial stability. 

Unauthorized Hard Inquiries The following hard inquiries appear on my credit report without my explicit authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S.C. 1681b ( 2 ), permissible purpose is required for any party to access my credit report. Furthermore, 15 U.S.C. 1681q prohibits knowingly obtaining a consumer report under false pretenses, which these inquiries suggest. I demand that these inquiries be investigated and removed promptly. 

Inaccurate Charge-Offs The following charge-offs are inaccurately reported : XXXX XXXX, account ending in XXXX, charged off on XX/XX/XXXX TXXXX XXXX XXXX XXXX  XXXX account ending in XXXXXXXX XXXX charged off on XX/XX/XXXX 15 U.S.C. 1681s-2 ( b ) requires furnishers to ensure accuracy, and 15 U.S.C. 1681i obligates credit reporting agencies to investigate disputes promptly. Furthermore, any cancellation of debt should have been reflected per IRS 1099-C, eliminating the liability. 

Recent Breaches and Precedents The recent XXXX data breach exposed millions of consumer records, heightening the risk of unauthorized access to personal data. Additionally, the CFPBs lawsuit against Experian on XX/XX/XXXX, for reinserting inaccurate data highlights the systemic issues in credit reporting systems. These developments necessitate heightened scrutiny of my report. 

Relevant case law, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), underscores that credit reporting agencies are liable for failure to ensure accurate reporting and proper investigation of disputes.
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, I had XXXX taken out of my account through Zelle, and XXXX said I authorized it but I never did. I then tried to contact the company that runs Zelle and was turned away.
Product: Student loan

Enrolled at XXXX College in XXXX XXXX, California. XXXX College was part of the XXXX College system. Did not receive education as represented or job placement assistance as promised. The whole thing was a fraud. Was ripped off and now am being asked to pay for, essentially, nothing.
Product: Debt collection

They seized my bank account with a {$10000.00} hold on each account when my amount sued for was only XXXX charge of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The Credit Reporting Agency as well as the Debt collection FAILED to THROUGHLY VALIDATE my request. I requested for a full validation of a debt reported in my credit agencies by XXXX XXXX XXXX XXXX. 
( Experian-CFPB Ref. No. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

2. They failed to THROUGHLY VALIDATE the claimed debt reported in my CREDIT REPORTS and Experian closed the complaint without proper investigation into the issue. 

3. I received. the statement from XXXX DEBT COLLECTION AGENCY without any documents or information on FULL VALIDATION I requested. I am enclosing the photocopy of the documents I received from XXXX DEBT COLLECTION AGENCY.