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

I have been a customer for XXXX  XXXX XXXX since XXXX. I have NEVER been late in my credit card payments, all my payment are current and paid on time. On XXXX, XXXX XXXX I called XXXX XXXX XXXXXXXX about a late payment reporting error took place, and advised me to reach out to the credit bureau agency who is reporting this error by mistake. I reached out to the credit bureau XXXX in this case and never received an update for more than 30 days now. I am asking for this late payment error to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Exeter Finance and XXXX on several occasions in regards to a fraudulent inquiry from XXXX XXXX XXXX dated X/XX/2015. I have supplied them with the police report and identity theft affidavit and they continue to refuse to remove said inquiry. They continue to tell me to contact XXXX XXXX XXXX however they themselves even removed their inquiry after I supplied them with the exact information I provided to Exeter Finance. <P/>I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy This will be my last attempt before seeking legal counsel.
Product: Debt collection

I was renting an outdoor storage space from XXXX XXXX located at XXXX XXXX XXXX XXXX, NC. XXXX and on XX/XX/XXXX I notified them I would be vacating the property on or before XX/XX/XXXX through the XXXX XXXX XXXX XXXX XXXX I received confirmation of my move out date and did not reenter the property after XX/XX/XXXX. On XX/XX/XXXX the app notified me I had a pending payment due for XXXX which I promptly called the XXXX XXXX XXXX # and spoke with a party to discuss my previous move out statement and timing. The attendant told me not to worry once the location returned they would review my history and complete my move out date of XX/XX/XXXX. On XX/XX/XXXX I received a letter from Allied Interstate LLC who stated they were a debt collector pursuing the charges on behalf of XXXX XXXX. I explained my situation in both an email and by phone which resulted in no additional action taken to absolve the amount pursuant by XXXX XXXX. It is unreasonable that XXXX XXXX never contacted me and only immediately sent this to a debt collector who at this time is pursuing charges not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to complaint XXXX. I stated that I do not recall opening an account with this creditor and sent you proof that I was a victim of identity theft from the XXXX breach and yet this account is still reporting. You have replied that the account was updated when I requested for it to be removed. I have asked for a contract bearing my signature along with a copy of my id and ssc, but nothing has been sent so how are you verifying this account as accurate. I was involved in XXXX data breach in 2017 and I do believe my information was compromised. You have failed to verify this account and continued reporting an account that may have been opened due to fraudulent activity. If this account is not removed in 1 days, I will move forward with suing your company. I am well aware that each FCRA violation is {$1000.00}. Immediately remove account XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

A recorded voice from " Northwind Associates '' calls saying that they have exclusive information about a debt " -- -- '' and if you are not " -- -- '' then please hang up. Otherwise they threaten legal action if I do n't call them at XXXX which is only answered by voicemail. This is a scam. I never heard of this company and do n't owe any debt. Please track them down and make them stop!
Product: Credit reporting or other personal consumer reports

Equifax and XXXX are both showing XXXX late payments on my mortgage for XXXX and XX/XX/year> when I was on a forbearance agreement with XXXX XXXX. I have requested information regarding these late fees and have requested that they remove them if they couldn't provide the appropriate information.
Product: Debt collection

I was recently contacted by a company call Stafford Group and Associates. They left a voicemail and said they have questions about my property. I returned the call and gave them their case number. He proceeded to tell me that I owed money to XXXX XXXX and that they were retained to collect the amount owed, XXXX $ and if I did not they would sue me and that there would be a lien placed on my property and vehicles. I responded that I believe I do not owe this debt and that I would have to check and get back to him. I searched my records and found the lease from XXXX. He contacted me again and asked if I was ready to resolve the issue. I pointed him to the CFPB Order for XXXX XXXX XXXX and said I paid them about 3 times over for what I purchased. He said the order did not apply to me and it would not hold up in court. I said well I guess we have to go to court and see. He then told me I will end up paying their attorney fees, court costs and they will place a lien on my property.
Product: Credit reporting or other personal consumer reports

I complained to the credit bureaus before letting them know that a fraudulent address was listed on my credit report and that I was a victim of identity theft. I even submitted copies of the identity theft reports and according to the Fair credit reporting act. Once a customer submits an identity theft affidavit, proof of identity then the credit bureau must remove and block such information that is been disputed within XXXX business days of getting the complaint and been notified that the account been reported is false due to identity theft. On my credit report an incorrect address is listed which is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never lived at this address.
Product: Credit reporting or other personal consumer reports

There is an account incorrectly reporting 5 charged off months when an account can only be charged off once. This is false misrepresentation under 15 US Code 1692e. This XXXX XXXX account has already been removed from two other credit bureaus, but is still reflecting on my TransUnion report. If TransUnion had conducted a thorough investigation, they would have reached the same conclusion as the other agencies, since the company and account in question are identical. This inconsistency suggests that there may be a lack of proper validation across all three bureaus. 

If XXXX findings differ from the other credit bureaus, it raises concerns about the accuracy of the information being reported and suggests that the reporting company may not be acting transparently. This situation is impacting my credit rights, and I believe it is crucial for all credit reporting agencies to adhere to consumer laws that ensure fair practices. 

I would appreciate your assistance in addressing this matter. Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE. Experian has failed to address that they had 30 days per the Fair Trade Credit Reporting Act to investigate this claim and DID NOT do so in the allotted 30 days. 

30 DAYS, NOT 31, NOT INVESTIGATE AFYER THE 30 DAYS, NOT WAIT FOR THE VENDOR 'S RESPONSE AFTER THE 30 DAYS. 

They received certified mail documenting the time frame and they blew it! XXXX  has already deleted this item BASED ON THE EXACT SAME INFORMATION setting a precedent should I have to sue Experian.
Product: Checking or savings account

My account was closed XX/XX/2020 Ive been given the runaround for years on getting my money back. Ive sent info to verify and my account was never reopened nor did I receive funds that were in the account when it was closed.
Product: Credit reporting or other personal consumer reports

attached is the CERTIFIED MAIL FROM XXXX XXXX. XXXX is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 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, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX Open options Account # XXXX XXXXXXXX XXXX XXXXOpen optionsAccount # XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # : XXXX XXXX XXXXOpen optionsAccount # : XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX options Account # : XXXX XXXX Open optionsAccount XXXX XXXX XXXX XXXX XXXX XXXXOpen options Account # XXXX XXXX XXXXXXXX Open optionsAccount # XXXXXXXX XXXX XXXX XXXX  Open options Account # XXXX XXXX XXXX XXXX MISSOURI Open options Account # XXXX XXXX XXXX XXXX XXXX Open options Account # XXXXXXXX XXXX XXXX XXXX Open options Account XXXX XXXX XXXX XXXX XXXX options Account # XXXX XXXXXXXX XXXX XXXX XXXX Open options Account # XXXXXXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

USCB Corporation #XXXX is reporting a collection to my account and I have no idea what it is from. I do not know who the original creditor is and I never had any kind of debt with them. This collection is not mine and I do not know why it is on my credit report.
Product: Money transfer, virtual currency, or money service

I was sent a job for a XXXX XXXX. Stated that it would pay XXXX weekly. I just need to send money to my Bosses clients. When is did I learned that the check I received was fake and I got scammed {$100.00} of my own money. He was suppose to send me money so I could sent it to his clients he said he would pay me back and he ghosted me. This happens XX/XX/2023 but then throughout the week after he would text me to try to get me to send money to his other clients but I declined.
Product: Student loan

Companies Involved : FedLoan Servicing ( PHEAA ), XXXX and XXXX To whom it may concern : I took out XXXX Parent PLUS loans for my daughter to attend college between XX/XX/XXXX and XX/XX/XXXX with the original cumulative principal of {$47000.00} and an interest rate of 7.9 %. As of today, these loans now have an original principal of {$81000.00} -- close to doubling -- and the interest on these loans accrued and capitalized while my daughter was still finishing her XXXX degree. 

I am filing this complain again FedLoan, XXXX, and XXXX, because I don't believe I was provided adequate information to ensure the loans were kept on deferment while she continued to pursue her schooling for her XXXX degree and subsequent graduate education. At XXXX point, these loans were placed with a collection agency despite my child 's status as a student pursuing higher education. I am also unclear if it is even possible that these loans should have accrued interest and capitalized while she was still in school at the XXXX institution in which the loans were paid towards. 

Ultimately, these loans have accrued an egregious amount of interest over the course of the last 10-12 years while my daughter has been continuing to pursue schooling over the majority of this time. In particular, I don't believe I was provided proper documentation or communication about the loans accruing interest, capitalizing, and continuing to be active while my daughter continued her schooling. I understand that these loans would accrue interest despite being placed on deferment during XXXX  school, but I believe there have been missteps in policy and communication throughout the process that have led to a much higher principal balance now. 

I am grateful for any assistance that can be provided on tracking down the path of these loans through multiple agencies, including a collection agency. When I reached out to XXXX earlier this year, I was provided with the documentation that I've attached. I don't believe this is expansive or a full representation of the path these loans have went through which have led to their ballooning in value, but it is all I have received, with some redactions being made for some reason. 

Thank you.
Product: Credit card

Multiple cards have been opened or have tried to have been opened in my name. XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has used my information without my written consent. Different addresses and names variations have been reported. XXXX XXXX has inaccurate information and they continue to report the inaccurate information on my Credit report. They are violating 15 U.S. Code 1681.
Product: Student loan

My XXXX loan XX/XX/XXXX. {$54000.00} XXXX sold to Navient XX/XX/XXXX my XXXX loan, sold to Navient was {$53000.00}. 
Today, XX/XX/XXXX my Navient loan is {$53000.00}. 
In Sixteen Years, I have had various sums of money taken automatically out of my checking account every month. Maybe 3 or 4 mixups during the changing from XXXX to navient. Can some one tell me why?? Why not one XXXX of my principle has gone down in Sixteen years. 
When my daughter XXXX XXXX XX/XX/XXXX we looked toward our lender for help and guidance as to what was the minimum payment we needed to make in order not to be turned over to a credit bureau. We were told to go on a forbearance. We followed their instructions. I believe during that time, XXXX took advantage of me and my family. Can it be possible that I have GIVEN XXXX of dollars to XXXX and Navient, and have not brought my principal down????
Product: Credit card or prepaid card

I purchased a piece of software form a vendor using Paypal on XX/XX/XXXX. After attempting to use the software I was alerted that my software license key was revoked and I could not use the software. I opened up a case with Paypal to resolve the issue as I had not received a response from the seller, to which they opened a case on their end and awarded the case to the vendor ( which has still not responded to me at the current moment ). I re-opened the case for additional investigation and provided all of the necessary proof for PayPal which showed I was unable to use the software whatsoever and requested a full refund of my money. In XX/XX/XXXX, they re-opened the investigation and I was told if I did not hear back then everything was OK. 

It is now XX/XX/XXXX, I never heard back and assumed everything was OK because that is what they had told me. After checking my statements, I still saw the charge for the non-working software to which I called back PayPal to figure out the issue and they informed me there is nothing they can do as it is out of the 180 day protection period, although I opened a case promptly after the purchase date which they have shown incompetency and months of miscommunication that has not been followed up on. I am now escalating this case to CFPB in order to reclaim my money.
Product: Debt collection

This is kind of a XXXX part debt issue. I received bills for services for my children. I sent the hospital my child support orders that state that I am only responsible for a certain portion of the bill. I have communicated with them that I should only be billed for what I'm responsible for, they told me that I need to pay it and get it from my children 's father. I've told them multiple times that I barely get child support why would I pay a debt that not mine per my child support court order. Hospital send the bills to collection after like XXXX months even though it takes them longer than two months to get me a bill. I contacted the collection company and provided them with the child support orders, I've paid more than I should have or medical bills and they need to send the bills to the children 's fathers and to quit harassing me for them. The balances are not correct and I have requested that hospital reflect what is due from me and I have paid my portions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get my credit report fix for the 3 credit bureaus and all they seem to care is make me believe that they fix the problem at some point my accounts were gone, and everything was good till i cancel memberships ALL THEY CARE IS ABOUT MONEY, when im already dealing with identity theft from the equifax breach
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax regarding the removal of an account on my credit report. The account in question has not been properly verified, and the reinvestigation conducted by Equifax was incomplete. This is a violation of the Fair credit Reporting act, specifically under section 611. 
Account Details : Creditor Name : XXXX XXXX Account Number : XXXX Inaccuracy : inaccurate information, wrong dates, wrong balance I have previously dispute the accuracy of this account with Equifax XXXX and despite their obligation to conduct a thorough reinvestigation, they have failed to provide adequate veirification and continue to report this account inaccurately. This has caused significant harm to my creditworthiness and financial standing. 
I kindly request that the CFPB, investigate this matter, hold Equifax accountable for their noncompliance with the law, and ensure that this account is either verified properly or removed from my credit report.Than you for your attention to this matter, Please let me know if you require any futher information from me.
Product: Mortgage

I am writing to continue a complaint XXXX. I am attaching several documents which present my case and my situation. First, I was foreclosed by TCF. They never gave me the opportunity to make things right and NEVER considered a short sale offer I has for {$960000.00}. In the most recent letter letter ( attached ) from TCF, XXXX XXXX, he stated that he made many offers, offers I specifically asked for in my XX/XX/XXXX letter ( attached ) and that he did not hear from me. This is incomprehensible -- all I wanted was to keep my son in school -- and not have a deficiency judgment. He says they offered that, which must have only been a year ago, and that I did not respond. However when I asked for a copy of the offer, they have none. I am asking you to look into this situation. I also attach an offer I received for the property XX/XX/XXXX for {$960000.00} which TCF did not entertain, but yet they sold the home for {$800000.00} less than 6 months later. This is a choice of theirs to accept such a low offer for the home. They are pursuing a deficiency judgment of {$340000.00} against me and will not negotiate, Attached letter of XX/XX/XXXX. It should not be allowed that TCF took the home I lived in for 18 years, without any negotiation or offers of assistance. When I first approached TCF there were government programs offering 1 % and 2 % mortgages, and yet TCF would not consider lowering my rate, and then sold the home at such a steep discount. This should not be allowed. They purposely accepted {$160000.00} less for the home and are coming after me for an amount they know I can not pay. Please assist in getting TCF to withdraw their deficiency judgment and letting me put back the pieces of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lived in North Carolina for XXXX years and have had absolutely no interaction, live or online with XXXX XXXX of XXXX Wisconsin in all of that time. They have no reason at all to check my credit and I did not give them permission for any reason to check my credit report. The following information is directly from my most recent XXXX credit report That I requested today XX/XX/2022. 

XXXXXXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX, XXXX WI XXXX ( XXXX ) XXXX
Product: Mortgage

in 2020 I applied mortgage with Nation Lending company in XXXX Texas, Agent name : XXXX XXXX. I requested them to disclose my credit report or any other confidential information they obtained through my application. He refused. 
I asked for any type of pre-approval and he said my approvals are offer specific and asked me to have my agent call him. I felt he was not helpful and I was discriminated. Now that I am reading for my XXXX XXXX license I learned that mortgage brokers are responsible to disclose your confidential information to you as well as if they ran my credit. I would like them to provide me this information as soon as possible and I know them liable for this act. Best,
Product: Credit reporting, credit repair services, or other personal consumer reports

i do not authorize inquiries for this companies, I have never sign writen authorization. 
Inquiries have no repmissable purpose. 
Ona Main Financials : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Product: Checking or savings account

My account was permanently limited so that I cant use it at all and Ive requested for it to be closed. PayPal refuses to close it