23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Newrez took out an amount of {$11000.00} from my escrow account. I called them and I was told that Newrez issued a refund check it will be mailed to me and I should receive it within XXXX days. Now I have been waiting for more than 10 days and I still don't have to refund check. 
No mails. No tracking number.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section XXXX of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX 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

My complaint is against Lakeview Loan Servicing, a division of XXXX  ( XXXX # XXXX ). 

In XX/XX/2023 it came to my attention that I was 30 days delinquent on a loan ( # XXXX ) serviced by Lakeview. When the loan had been transferred to Lakeview in XX/XX/2023, I had used their online portal ( https : //lakeviewloanservicing.myloancare.com ) to set up auto-pay on the balance each month. Unfortunately, their system did not process my auto-pay request correctly, and later when I checked up on the platform, I got a very misleading message on the platform that " Online payment scheduling is currently unavailable. The most likely reason is you have already scheduled an online payment. '' Moreover, even though I had registered for an account in XXXX ( see supporting document ), there was never any email communication that my loan was not successfully being paid down. 

The end result of Lakeview 's inadequate online service is that my loan ended up becoming 30 days ' delinquent for XX/XX/2023. I promptly called customer service and was able to rectify the situation immediately by paying the outstanding balance over the phone. I also received verbal confirmation that I would be able to get the delinquency status removed by emailing the XXXX team ( XXXX ). I sent a detailed email of the situation on XX/XX/2023 - see attached documents. It has been 3 months and there has been no response from Lakeview/XXXX 

I have never once missed a payment to any debt servicer in my life and pride myself for an excellent XXXX credit score, but this issue has negatively impacted my score by over XXXX points ( from XXXX to XXXX ). I have tried contacting the credit bureaus disputing the matter. XXXX and XXXX both accepted my dispute and initially increased my credit score back to XXXX. However, for the latest month, I was notified that my score went back down to XXXX - see attached document XXXX-score-history.pdf - I believe it is because Lakeview XXXX XXXX continue to send the credit bureaus a loan history reflecting the XX/XX/2023 delinquency. 

Thanks for your prompt attention and investigation into this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity the discover account that appears on my credit file is a result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived at XXXX XXXX XXXX XXXX XXXX XXXXXXXX back in XX/XX/XXXXAnd now Equifax, XXXX XXXX and XXXX has been reporting over 10 different apartments for XXXX XXXX XXXX XXXX. I dont understand how this is possible. Thats not my signature or my charges please delete this stuff. I had no contract with talise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$18000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX
Product: Bank account or service

Even though the balance on my checking account reached zero, bank continued to pay out funds instead of making a notification of " insufficient funds '' and then charged my account fees of {$37.00}. The total is now close to {$1200.00} and since I have direct deposit of my Social Security check, they took all my money for the month of XXXX and now I can not buy food or pay rent or pay my utility bill. The Social Security check is in the amount of {$XXXX} so now they say I still owe them {$480.00}. I did stop direct deposit. But I still have no money for new eyeglasses or food or even laundry. As of right now, XXXX XXXX, 2015, I should have a positive balance of about {$720.00} in the checking account to pay my above listed expenses. I do n't know what I will do when my food runs out or if ConEd turns off my electricity. When I opened the account, I specifically told the bank officer that I did NOT want credit of ANY kind, especially any kind of draft balance protection. I said that if the balance reached zero to refuse the transaction. I NEVER write checks so refusing the transaction on a debit card is XXXX way for me to know when I run out of funds. The problem Bank is Peoples United Bank [ XXXX ] and the problem started shortly after XXXX XXXX, 2015
Product: Credit reporting or other personal consumer reports

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Product: Mortgage

XX/XX/2021, I went to my lender 's website to apply for the covid-19 forbearance that was still available. Afterwards when I was doing more research on what assistance I have available to me, I discovered that the forbearance offer ended on XXXX XXXX! They falsified the facts that it was still available by still offering the link to apply for it! That bit of information should have been on the forefront of important information that they would be relaying to their customers being the fact that they are a mortgage company. There was also a like offered at the same time next to the link I used that was labeled other assistance that I am unable to go back to since I already picked the forbearance link. 

This link should have been removed from being available XX/XX/XXXX, NOT XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has Violated my Rights 15 U.S.C 1681 Section 602A 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 tarnish a account without my wrriten instructions
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to remove these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and removed :
Product: Debt collection

I was contacted by XXXX and XXXX XXXX ( XXXX ) acct # XXXX from XXXX NC as a debt collector for Barclays BankCard Services. I entered into an agreement of the threat of a judgment if I did not pay the debt. They agreed and me to hold judgment if I started making payments on the debt which I paid in full. Barclay hired the company to collect the debt. I paid the amount agreed to and received a payoff letter and the debt was closed. I am attaching everything. I was told it was my responsibility to notify credit bureaus of the debt payoff which I did do. I was told to dispute the debt and attach all payment information and the paid debt letter which I did that as well. Barclays Bank through the dispute process is refusing to show the debt as paid. They will not speak with me telling me to contact the attorneys, which I have to no solution. The most recent dispute, Barclay told the credit bureau they had charged off the debt. However, that is not true as I paid the debt. Barclay is also stating I still owed {$200.00} which is also not true. I paid the total debt through the debt collector that Barclay turned the case over to. O told all parties involved I would gladly pay the {$200.00}, but The debt collector states I can pay what is not owed. I am no longer able to dispute the item without new evidence and I have no new evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach my information was leaked and there is some inaccuracies on my credit report which has never been resolved and has caused stress on my credit score and is causing financial strain on getting a job that required a background check
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The moment I received the duplicate of my report that I purchased with XXXX  dated XXXX, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF, COLLECTION and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my XXXX XXXX, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX  .

Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The listed accounts below have violated my federally protected rights to privacy and confidentiality under XXXX XXXX XXXX : XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX 15 USC 1681 section 604 A . States I have the right to privacy.

It also states 15 USC- 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an Alert from Experian regarding a change in my credit score. Upon going on line to review the info I found that, according to Experian, my Mortage Company had increased my debt 3 months in a row, despite the fact I am in forebearance, by over $ 6K. Upon reviewing documents from my Mortage Company, there was no such change. Thus the report from Experian was completely false. Note- I would have taken thiis up directly with them but their system for disputes is way too complicated and this is a serious enough error to be taken up with the CFPB.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contacted the CFPB about Scratch Financial having three negative entries on my credit profile. These were in fact paid off, and yet Scratch continues to report to the credit bureaus that they are outstanding. Yes, I took three loans from XXXX for sick animals. Over time, I paid the loan. At the time of the last payment on each loan, suddenly they dont want my credit card. I had to try to get them to bill the same card but would not. The reason was largely because they had incorrect information as to what was owned compared to what they wanted from the credit card. At the end, after it was paid, they reported the loans as write-offs, even though they were paid in full. The company refuses to justify the negative information in the credit report, nor correct it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told/informed Experian, XXXX, and XXXX to reinvestigate and or remove these accounts : FRAUDULENT ACCOUNTS : XXXX. XXXX XXXX * Date Opened : XX/XX/XXXX FRAUDULENT HARD INQUIRIES : XXXX. XXXX XXXX * Opened Date : XXXX XXXX, XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Credit reporting or other personal consumer reports

I applied for a car loan with XXXX XXXX XXXX XXXX on XXXX XXXX and authorized them to submit my application to XXXX XXXX  only for loan approval. However, my information was submitted to multiple banks without my consent, resulting in several unauthorized hard inquiries on my credit report. These unauthorized inquiries have negatively impacted my credit score. This action violates the Fair Credit Reporting Act ( FCRA ), as I did not provide consent for the multiple inquiries. XXXX XXXX XXXX XXXX is no longer in business, so I am unable to directly resolve this with them. As a result, I am requesting that the credit bureaus remove the unauthorized hard inquiries from my credit report, as they were not authorized by me.
Product: Credit reporting or other personal consumer reports

I am in the process of buying a home. When my loan officer pulled my credit report, a CITI bank card belonging to my ex-husband is appearing on my XXXX account as a defaulted and settled credit card, messing up my debt to income ratio, therefor effecting my loan approval. My loan officer reached out to my ex husband who then in turn, contacted CITI customer service. They stated they would send a letter, with a reference number, proving that the debt was not mine. This was on XX/XX/XXXX. As of yesterday, XX/XX/XXXX, my ex husband had not received the letter. He called again and another customer service rep revealed the letter was never sent and that they would not relay the information over phone, email or fax. This has severely altered my home buying process which could in fact leave me homeless and they do not care and have to my knowledge, not sent any documentation proving the letter is sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was fraudulently opened by my business partner using me as a personal guarantor I did not consent to this account being opened in my name. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have several inquiries that were not requested or made by me. 
XXXX on XXXX XXXX I did not authorize. 
XXXX. XXXX XXXX XXXX XXXX I did not authorize. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX i did not authorize. 
XXXX. XXXX XXXX XX/XX/year> I did not authorize. 
XXXX XXXX XXXX XXXX I did not authorize.
Product: Mortgage

Some years back, I bought a small house through XXXX XXXX, in XXXX XXXX, WI. A bit after paying on the mortgage, with no late fees, no missed payments or problems, my wife and I received notification, that our mortgage had been sold to Seterus Company. It has been one nightmare after another since Seterus has taken over our mortgage. Rude, collection agency tactics, unresponsive to requests to speak with supervisors, speak to the main office, the complaint department or a manager. Lost payments we paid by the company and then requests for the same payment over again. Foreclosure threats, even before the payment date is due, applying payments late to our mortgage, though confirmation of them having received the payment many days before. My wife and I are at wits end. Could you please help us with this huge problem.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 
I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian in your response to the CFPB you state that inquiries are factual record of companies who accessed and reviewed a consumers profile But if there is NO contract of business then it is considered unauthorized and has to be removed { law } you also state you mailed your document to me NEVER GOT THEM. understand that under 15U.S.c.1681 { B ] I XXXX is the original creditor on every thing and have full legal power to remove anything I want because there is fraud being reported on you credit report documents enclosed as proof because I never got documents you state you mailed. as original creditor I NEVER REQUEST ANY COLLECTION COMPANY TO COLLECT ANYTHING I ask the CFPB to assist in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

The response to Complaint XXXX received from Transunion does not address the complaint itself and includes false statements. I am shocked that the CFPB closed this complaint without verifying the validity of the response and the adequacy of the information provided by Transunion. My issue is probably shared by thousands of customers as it seems to be related to the algorithm TU uses to calculate the score they provide on their website!!! TU decision and score process has impacted me financially as their score is utilized by many banks and CC companies to approve and assign interest rates!!! CFPB is acting as an accomplice to TU by accepting their response which in no way addresses my complaint.