23daVinci/CFPB_Complaints huggingface dataset:
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. Account name : XXXX XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # : XXXX, # XXXX, # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX # : XXXX Account name : XXXX  XXXX  # : XXXX Account name : XXXX  XXXX XXXX # : XXXX, Account name : XXXX  XXXX XXXX # : XXXX, Account name : XXXX  XXXX XXXX  # XXXX Account XXXX : XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX # XXXX, XXXX Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX XXXX # XXXX Account XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX / XXXX XXXX, Account name XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX, Account name : XXXX, Account name XXXX XXXX XXXX, Account name : XXXX XXXX, Account name XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I am a real estate attorney in Massachusetts. JP Morgan Chase provided me with an incorrect mortgage payoff statement. This has resulted in financial and legal harm to both my client and myself. The payoff statement was issued XX/XX/2019. The payoff number was good through XX/XX/2019. The bank received payment in full ( {$76000.00} ) on XX/XX/2019. I received a call from XXXX XXXX XXXX from the bank 's XXXX XXXX Department on XX/XX/2019. She left a message saying that the payoff statement was incorrect because the bank made a homeowners insurance payment on XX/XX/XXXX and there were insufficient funds in the borrower 's escrow account. XXXX XXXX is now demanding payment of an additional {$460.00} by XX/XX/XXXX or interest will begin to accrue on the loan and the mortgage discharge will not be processed. I am now forced to pay for the bank 's negligence and my client 's ownership of the property is being threatened by a loan that was paid in full on XX/XX/XXXX.
Product: Vehicle loan or lease

On XX/XX/20 I called to make a payment on my car. I asked for the pay-off amount and they said XXXX. So, I made a regular monthly payment of XXXX on today. I asked why do I still owe so much. They said I was being charged 5 % after my due date which in on the 5th of each month. My loan was sold to this company two years ago without my knowing. In addition, the former loan company and the new company never bothered to let me now in writing of the change. If I was made aware I would have paid the extra fee to have my due date changed. I would have also made sure to pay by the 5th or change the due date to avoid the 5 % unknown fees they charge each day after the 5th. 

I even let Dealer of XXXX XXXX XXXX Kentucky know that I even called the company that sold my account to them to ask them why did they sale my account, because I was on time and getting the payment down. Each month for two years, I called to Dealer Finance of Western Kentucky to make a payment and they never told me about any fees or how high the fees was each month. Basically, they never informed me or made me aware that the XXXX payment was not being all included in my monthly payment. I being robbed. This company is staying in business by conducting bad business surviving off late fees that clients may not be aware of. They should be investigated. I had a remainder balance of XXXX last year and after 12 payment I owe XXXX as of today. Somebody help! 

When I asked for a copy of my account and the history they were hesitated about it. I asked the XXXX XXXX why was I never informed, isn't the goal to better inform the clients of services and products. 

I also never agreed to be contacted by their automated dialer from XXXX XXXX. This is mainly because I was never been informed my account was sold and bought. The Company never sent anything in regards to my account number, in which I am unaware of what it is. Moreso, the loan number, I am unaware of what that is also. I never received a payment book, email of any payment transaction or by mail. The company never kept me abreast in any outlet to know any account details. 

The XXXX XXXX made the comment you can contact someone about it, since I did not like the way they were doing business. I told him, I will do just that. 

I. I was never informed that my account was sold II. The new company claims they wrote me, but I never was informed of the Dealer Finance of Western Kentucky until they called me about my payment. 
III. No access to view account details online IV. They charge a $ XXXX service fee for payment over the phone ; although there is no other method to avoid the high fee. 
V. Charges a 5 % fee for each day after the 5th of the month ( which is my due date )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. I reached out to the companies and they approved to update and correct the accounts on my file. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that these accounts be thoroughly investigated and updated for proper and legal accuracy. Please fix the accounts XXXX XXXX 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

Upon checking my XXXX credit report, a private student loan through Wells Fargo XXXX was taken out on my behalf back in XXXX of XXXX. This account has been paid and closed over 5 years ago yet it is still showing as a derogatory account while XXXX shows it as current and due to be removed XX/XX/XXXX. Ive tried disputing this account with XXXX on multiple occasions both electronically and in writing due to inaccurate reporting and statue of limitations, and nothing has been updated. This account should be removed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following CFPB complaint # XXXX filed on XX/XX/2023 Experian responded with the following " You are requesting to delete inquiries, employers, and addresses listed from your credit report. Per the FTC Report you provided, three disputed inquiries have been permanently blocked at your request. " Yet, today, XX/XX/2023, all three disputed inquiries are still present on current credit report and not properly deleted violating my rights of 15 USC 1681, Section 602A and 604A.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting negative information on my reports that I've never gave them permission to place on my reports and and asked them to remove them ; it was XXXX with account # XXXX, and XXXX XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over thirty days ago, I wrote to each credit reporting agency XXXX TransUnion, XXXX, & XXXX  XXXX indicating my dispute off information on my credit report on XX/XX/2021. A copy of the original letter accompanies this correspondence. as of today XX/XX/2021 TransUnion, XXXX, & XXXX  have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, TransUnion, XXXX  , & XXXX  had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from TransUnion, XXXX, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely. they have to follow the FCRA LAWS!
Product: Credit reporting or other personal consumer reports

Somebody stole and used my personal information to be admitted for courses at XXXX XXXX. They then illegally took out federal grants using my info and it is showing that I owe a debt when I have never attended XXXX XXXX. XXXX XXXX did nothing to verify this person was me and its now gone to collections. This is not my debt, I did not take any grants and Ive never attended any college.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in  XX/XX/XXXX after being denied a car loan due to a excessive mortgages and car loans on my report that were not mine. I called Transunion to figure out what was going on. at that time I was informed by a representative ( do not have her name on hand ) that Transunion accidentally merged my credit profile with someone else 's who had a similar name. The rep noticed the issue immediately and said it would be corrected. The accounts were deleted from my reports as well as the ssns, address, and phone numbers. Last monthI went into my bank to apply for a car loan and was denied due to excessive inquiries so I go back and look at my reports and low and behold the inquires ( there are still about   XXXX   inquires ) obtained from when report merged with someone 's else that were not removed. so I called back and spoke to another rep ; told her what happened that Tranunion admittledly merged my report and I was told the in would be removed but nothing has been done. on   XX/XX/XXXX  I  sent an email to   XXXX   XXXX   CEO of Transunion about this issue as of yet I have received no email response. so toda y   XX/XX/XXXX  I called back again spoke with a rep and she told me she could not do anything that I had to let them fall off. so I ask to speak with a US rep and she transferred me to   XXXX   in special handlings. She claimed to be a supervisor. she was very rude to me. I explained to her that Transunion informed me that there was an error and m yreport merged with another persons and that I needed these inquiries removed as I did not authorize them they were from the other persons report.   XXXX   so rudely informed me that I needed to file a police report for fraud. but I can not file a police report because there was no fraud it was an error done by Transunion 's internal system ( again wording directly from there company ). please assist me in removed the unauthorized inquires. as they are effecting my credit. the creditors are saying call the bureaus and the bureaus say call the cred
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and Good Evening, I was advised to reach out to you all about some things on my credit that is not mine. I went to cosign for my mom on a car and my mom and I was denied because of me. There are some things on my credit that is not mine and that needs to be taken off. I've contacted the FTC regarding this and also the police. I'm doing this on my own. XXXX XXXX XXXX XXXX XXXX, XXXX, US DEP ED.
Product: Student loan

I received an email on XX/XX/XXXX stating that ACS/Conduent would no longer be servicing my loan as of XX/XX/XXXX. That is informing me without prior notice at all. I have not been able to log in to their site to check if my last payment was received nor have I been contacted by any other company to service my loan. We are XX/XX/XXXX I do not want some miscommunication affecting my credit.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

A complaint was opened XX/XX/XXXX and closed XXXX XXXX XXXX. Although I understand this may go down as a duplicate complaint and may be closed per cfpb protocol. My feedback dated XX/XX/XXXX did not include a couple of issues I believe would be pertinent to share. In regards to the relationship manager appointment that was scheduled XX/XX/XXXX ... .no voice-mail nor phone log provides proof that my relationship did indeed call. I called and requested to speak to her and was told a voice-mail was left. The phh ombudsman addressed this by telling u the steps that need to be taken to schedule an appointment ... .I want to clarify am appointment was made and the individual who took my call confirmed it. Then told me the only way to get another phone meeting with a relationship manager was on line. As " the system " would not allow her to schedule another. In response to the phh ombudsman regarding cell services may block an unknown number... yes that's true... but I've not had that issue.in response to the phh ombudsman of when phh generated my mortgage it was not XXXX ... it was XXXX XXXX. In response to the phh ombudsman reply stating I denied a voice mail to the phh ombudsman... ..this is where extreme clarity needs to be presented. When I called phh home retention department on XX/XX/XXXX at XXXX that was my second call that day to confirm said appointment. The first was at XXXX when at that time I was told the relationship manager would call me between XXXX and XXXX confirming an appointment will occur. By XXXX I called again and was told a voice-mail was left ... .no such voice mail was left nor did my XXXX block the call... .tmobile never has and I had my phone on me the entire time ... as u know the extreme importance of follow up regarding my account is. Regarding the phh ombudsman stating on XX/XX/XXXX when she called me at XXXX XXXX XXXX.. ..she did not identify herself as an ombudsman. Her name and employee number was given. I was told by her that her purpose was to answer voice-mail only not to remedy accounts ... XXXX 's when the home retention number was given to me. It may sound petty to address this issue but I believe my integrity may be questionable in the eyes of those looking into my account reading a statement that says I denied leaving a voice mail with the ombudsman. Yes I did way back in XX/XX/XXXX and XX/XX/XXXX. Again. I want to stress that the ombudsman did not identify herself as an ombudsman on XX/XX/XXXX. She stated her name employee number and her job was to only answer voice mails.. the person I spoke with a non relationship manager ... .on XX/XX/XXXX ... regarding my rm meeting stated she would leave a voice mail with another relationship manager and escalate a call XX/XX/XXXX ... .again I received a calXXXX XXXX XXXX by an employee who did not identify herself an ombudsman. My ombudsman voice mails were in XX/XX/XXXX and XX/XX/XXXX. I encourage phh to pull the transcripts of those calls in question as the calls are said to be recorded for quality and training purposes
Product: Debt collection

XXXX has continued to harass me at my place of employment, even after several times of me asking them to stop calling my work They are trying to collect on a XXXX mortgage that was taken care of with Bank of America back in 2010 In conversations with them I have asked them to send me documentation on the debt, they have yet verified the debt, The calls and the lack of corporation is out of control they call my place of employment from several different numbers, I can provide you with a few if needed
Product: Debt collection

Debt with XXXX XXXX was created in or around XX/XX/XXXX ( 14  years ago ) by an ex-boyfriend who had stole my personal information and opened several utility accounts in XXXX, Texas as well as in XXXX, Texas and their may be others that I am unaware of. Since finding out about the account years later when it went into collections ( as I never received original bills, because they were for an address that I did not live at ) and the collection company ( Portfolio Recovery ) hunted me down. I tried to take the steps necessary through their company to report it as fraud, but they relentlessly attempted to collect the debt, calling multiple times a day and even late into the evening. At one point I disconnected my phone because of their level of harassment. They started their attempt to collect the debt in XX/XX/XXXX ( approximately 6 years after the debt was created by XXXX XXXX ), and they have continued to send letters, and make phone calls to this date. I have now been contacted relentlessly for 9 years, even after filing the paperwork through their company to claim this as a fraudulent account.
Product: Student loan

i have been trying to pay my loan back for months with navient. i cant even make an account online. When i try to, it tells me to call them because there is something wrong. so i have been. Heres what i have found out ... i cant make and account because there is another account separate from mine and from me with MY social security number but a different Birthday. so i can even create an account to pay my bills or check my status or even have an account. This has been going on for MONTHS and i dont think they are even trying to fix it. they are charging me interest, they are harassing me by phone and mail, telling me i need to pay them, threating to report to the credit companys. Please help me! someone has used my SS # and opened another account with navient, i cant pay my bills on my own account, and its gaining intreast, and they are doing anyhting about it? PLEASE HELP ME ... PLEASE ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Equifax was mailed a certified letter stating that I wanted to exercise my consumer right under the Fair Credit Reporting Act 611 ( a ), enforce by the FTC, a dispute of the accuracy and completeness of the following creditor information that has been reported to you Equifax, and is currently contained in your credit file : being inaccurate, and harmful, impacting my credit score. I also requested that in any notice of results of investigation provided back to me under this dispute, that Equifax provide to me, under the statutory provisions of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), a full written " description of the procedure used to determine the accuracy and completeness of the information '' that I have provided. Within 30 days or after I have yet to receive investigative results from my request. Due to Equifax lack of providing a description of the procedure used to verify the accuracy I sent another request under FCRA 611 ( a ) ( 7 ) a 15 day response on XX/XX/2019 again Equifax has failed to provide me with a description of the procedure to verify the accuracy of my previous dispute. It is my belief that Equifax is in violation of FCRA ( a ) ( 7 ) and have been willfully non compliant and have surpassed the statute of limitation on their investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent accounts in my file that are reporting on Experian, XXXX and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and also the inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX ; XXXX CT XXXX, MO XXXX ; showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Debt collection

I bought a mattress from a local company. The mattress was {$600.00} and i put down {$200.00} and auto with draw for the remaining {$400.00} broken up into payments of {$100.00}. i paid the remaining {$400.00} in payments and the company stop auto debiting my account. Eight months later a company called Security Credit Services. I reached the company with a debt Validation letter and still no response. The letter was sent certified mail with proof. They are currently ruining my credit and not trying to work things out. I do not own anyone nothing because i paid my debts with the original creditor and tried to work things out with the collection company instead they rather report inaccurate information.