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

I was previously a victim of identity theft, I see several hard inquiries on my credit report that I did not authorize or make. I also have an account that is in collections for {$170.00} from XXXX insurance which I did not open the account. Also hard inquiries from XXXX on XX/XX/2022, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I have no knowledge of this alleged debt until it appeared on a recent credit report. I request debt validation and proof of claim for this account as outlined in the attached PDF Notice.
Product: Checking or savings account

Bank of America settled a lawsuit regarding compensation for overdraft fees. I have not received any communication if I was impacted. The Bank provided a contact number ; no other communication about the settlement is available other than the communication I have located via the internet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 


Creditor Name : XXXX  Date of Inquiry : XX/XX/2022 Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX has updated Experian several times of my XXXX balance on all XXXX accounts that were paid in full. Experian is the only company out of the three reporting agency that has refused to update its system. However, I have sent verifcation that I have a XXXX balance with XXXX, along with XXXX reflecting this to Experian and in their system. I currently do not owe XXXX in student loans. Please help my loans were transferred from XXXX and paid in full by XXXX. I have not balance with XXXX at all. This can be verified with them as Well
Product: Credit reporting or other personal consumer reports

Hello, Ive been struggling with Deposit my checks to any account. Ever since Ive been victim of identity theft and fraud occur to me. I havent been able to have any access to my accounts. Also, my bank accounts and business account have been closed. Not sure why, but they did let me know that I am a risk to the community to have a bank account. I am getting charged fees unauthorized payments have been made false checks through the mobile app, credit cards that have been open payday loans that I have been open. You could imagine what nightmare I have been dealing with. I dont know where to even cash my checks now. No bank well cash my checks or deposit to my account since my account have been closed. Not sure what to do anymore or what Im supposed to do. Been through a nasty divorce that ruined my credit. When things got separated, my ex spouse was awarded majority of the things that she was supposed to be removing my name from the vehicles, credit cards, etc.. 
She never did. She just kept laughing at me texting me stating I might pay the things or might not. Its not like it. Its under my name. I got left with companies calling me to pay since it was just under my name, not hers. Even with the court order, she didnt follow with the judge has signed. So Im in a hole that I dont know what to do. My social, my identity, my life is ruined. Its getting hard to pay my bills any transaction or anything. Banks have refused me to open any account. I have asked them if I can see what they see, they just tell me they cant. Its just that they cant do business with me. This is ridiculous. How people can be ruining peoples life not thinking how difficult it will be to fix everything Ive been through,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached dispute letters for all 3 credit reports. The inquiries on credit report are not mines.
Product: Checking or savings account

I immediately reported debit card fraud when identified. I advised Wells Fargo I was a victim of identity theft. The transactions with the card can be traced to benefit 3rd parties which I am not associated with. I received no benefit from the transactions. Wells fargo was made aware of data breach which allow for hackers to access documents, data, and to hijack text messages via programs like XXXX your phone and still erroneously classified every disputed transaction as valid. A law enforcement report was provided to Wells Fargo, which is an affidavit of claim. I am attempting to resolve this issue through regulators to avoid expensive litigation.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : EXPERIAN Account Type : Secured Credit Card Dear Sir/Madam, I am exercising my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) to formally dispute inaccurate and unverifiable information related to my account with [ creditor name ], which has been marked as " charge-off. '' Upon reviewing my credit report, I have noticed the following significant discrepancies between the credit bureaus XXXX, Experian, and XXXX : XXXX : Highest : reported balance : {$260.00} Current : balance owed : {$0.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Account type : Secured credit card. 

Experian : Highest reported balance : {$0.00} Current balance owed : {$0.00} Payment status : Closed, reported as " Collection/Chargeoff. '' It also states that the accounts unpaid balance was reported as a loss by the creditor.

Account type : Credit line secured. 

XXXX : No information reported regarding this account. 

These inconsistencies between the credit bureaus, particularly regarding the balance reported, account status, and type, violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies maintain maximum possible accuracy in the consumer information they report. XXXX and Experian report different balances, with Experian listing a {$0.00} balance for the highest amount, and XXXX reports nothing at all regarding this account, creating a discrepancy. Additionally, Experian notes an unpaid balance reported as a loss, while XXXX does not. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to accurate and clear information about my credit obligations and payment history. The discrepancies between the reports are hindering this right and inaccurately affecting my credit score and history.

I request that you investigate this dispute under the FCRA and TILA, and remove the inaccurate information, including the charge-off, from my credit report. The differences between the credit bureaus indicate the inaccuracy of the reported information. Please provide me with the results of your investigation and a corrected report as soon as possible.

For your reference, I have attached copies of my credit reports showing these discrepancies.

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Mortgage

XXXX / XXXX / XXXX  Tax Bill  1 D isbursement Payments - escrow behind  XXXX  {$5200.00} after payment Escrow was setup based off  XXXX  Tax Bill - ~ $  XXXX   County School t ax is  XXXX  per {$1000.00}  ( no  recent change in rate ) Escrow is behind due to lack of setting up proper escrow. Mortgage rate increased from {$1200.00} / month to $  XXXX  month This increase is for a year to catch up escrow Afterwards it will be set at {$1500.00} / month Attempting to work with lender to resolve the situation, at this time not getting much assistance in resolving the issue.     In risk of loosing house due to mortgage rate increase to cover for escrow mistake. It appears that poor practice of blindly setting up escrow based off previous year 's taxes instead of calculating proper tax rate is the source of problem. I, as the consumer, is left trying to resolve and fix the problem that others created.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint regarding a collection account that appears on my credit report, managed by Portfolio Recovery Associates. I believe this account is invalid, and the collection agency has failed to provide sufficient documentation to substantiate the debt. 

Details of the Issue : 1. Invalid Account Information : The collection agency has reported this account on my credit report, but I have no record of owing the debt they are attempting to collect.

2. Failure to Provide Validation : Upon requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), the collection agency failed to provide essential documentation, including : The name and contact information of the original creditor.

A copy of the original agreement or contract that created the debt.

A full account history showing how the debt was calculated.

Proof that the agency has legal authority to collect the debt.

3. Lack of Original Creditor Information : The collection agency has been unable or unwilling to provide the original creditors details or the purchase agreement proving the transfer of this account.

This invalid account is negatively impacting my credit score and has caused significant stress. The lack of proper documentation and failure to validate the debt undermines the legitimacy of their claim.
Product: Credit reporting or other personal consumer reports

XXXX u.s.c XXXX was sent to each of the creditors with incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

i look on my credit report from Experian and notice some negative items that are errors and need to be delete from my report on XXXX XXXX2020. they are inaccurate and duplicate accounts and need to be delete quickly. i also am asking for the method of verification of these items that experian are reporting.
Product: Credit reporting or other personal consumer reports

My credit repair journey began in XX/XX/2024. I called and reported Name, address and account discrepancies with each agency, XXXX, XXXX and Experian. Then I filed a complaint with CFPB to remove negative reporting after attempts in writing to correct accounting with each creditor on my report. Notices of Billing Errors were sent to each creditor along with 1099s to alert them to their fraudulent claims and negative reporting to each credit reporting agency. Some of the reporting was removed but as of today the reports are not identical and are still showing negative remarks. I requested these to be removed in writing to each agency on XX/XX/2024. See XXXX 's copy of letter below highlighting each of the elements in the report that needed to be corrected and they Code 's and consumer laws supporting my demands. I am including the current credit report comparing each agency 's report and they are still not showing the updated/correct information and most are incorrect.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Applies for payday loan for XXXX They take XXXX every 2 weeks. So far they took 7 payments out totaling XXXX! I guess I still have 13 more payments to go with this loan. Is this legal with such a high interest rate? A friend told me to look into this
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I tried to dispute this, it just appeared on my credit report, it is n't mine I 've never had suddenlink. They say they 've already disputed it. They 're lying. It just appeared in 2016, I 've never, ever had suddenlink services, I 've never ever disputed this before because it 's never been in my credit reports before, and I can prove it. If they do n't remove it immediately I 'm going to sue them.
Product: Debt collection

They have been calling, one after another for over 3 months. I asked them to stop, I made a payment online to them, and the calls started coming in even more. Every time its a new number, today its XXXX and they have called twice already. They dont leave messages, its always numbers from other states, sometimes when I am at work they will call multiple times back to back, as if there was an emergency for a family member.
Product: Debt collection

I sent a XXXX XXXX XXXX to this creditor, asking to provide documentation because they have it listed as a charge off with a balance, that is also written off. They are reporting a charge off on XX/XX/year>, Account is being reported as a charge off/written off and collections. Not matching on any of the bureaus. 

This debt is being reported by XXXX, Portfolio XXXX XXXXXXXX for the same XXXX XXXX XXXX. How can XXXX collection companies be reporting the same account, with different balances on all three. 

This debt has violated my consumer rights by continuously charging off by balance to extend the statute of limitation, How can it be charged off and collection yet still list me with a balance owed of {$950.00}. This is inaccurate and false information that should not be reported.
Product: Student loan

Great Lakes merged my loan to NelNet. Since then, I can not get any of my payment history ( been making payments for the last two years ) and my payment submitted XXXX hasn't been applied. Nelnet isn't answering their phones on some days and on others I wait XXXX minutes to finally reach a person. When I finally reached someone they said the payment was probably mailed to Great Lakes old address and it could take 60 days for that to be forwarded to Nelnet. How is this acceptable? Both the lack of transparency ( I have no access to ANY of my activity over the last ten years at Great Lakes ), the ridiculously lacking customer service at nelnet ( their call center isn't even open when they say it will be open ) and now payments are in limbo and I don't even know if/when they will ever be applied. How can we trust this system? If it were any other kind of loan I'd shop around for a different servicer... but since the United States Government has shackled me to this subpar servicer, I am stuck in this cycle where I spend so much of my time chasing this down. How do you guys let them get away with this?
Product: Mortgage

I was selling a property in XXXX, OH. I had an offer put in on XX/XX/23. We had almost XXXX times the closing was pushed back, due to the lender not being transparent with any information. My realtor would call the lender XXXX XXXX XXXX Western Ohio Mortgage XXXX and he would not answer or return any phone calls. When we were finally set to close, we reached out to the buyers realtor about closing the following business day and she said we should have confirmation on Monday ( we reached out on friday, closing was on monday was well ). we never heard anything, i called title and they told me that the lender also is non responsive with them he does not answer phone calls or emails, with XXXX updates. We come to find out that the buyer had spent his funds needed to close for the down payment. According to the realtor, her buyer spent the money and was waiting for gifted funds and said that the lender knew about this and should have reached out. Mind you we find this out day of closing. Fast forward, the lender again is not answering the phone, the realtor is saying we can't do anything ( this is after 2 months of waiting and i also fixed everything per inspection report ). I came up with a plan to save this deal for me, lender and both realtors to put up some of the funds to help close. After lengthy discussions we all agree except for the lender. The 3 of us put up {$1800.00} each to give the down payment to the buyer. Lender says will close the same week, again he goes MIA and non responsive, title company says he doesnt reach out or answer again. They dont have a closing date or any clear to close. At this point i am frustrated, i have lost a ton of money to interest, helping with down payments etc and this lender is non responsive. We are going on 3 months now. I get in touch with the owner and she tells me that " this happens and i should have never did a 2nd appraisal to fix a few things and sold the home for XXXX XXXXXXXX less than what i was selling for '' I did my appraisal and fixed up some things to raise the value of the home in less than a week, this should have not caused a 3 month delay. ON top of this, the appraiser said that she would only charge us {$200.00} to do the 2nd appraisal, Western Ohio Mortgage charged me {$800.00}, because their buyer did not want to pay again.

Fast forward, i am in contact with title almost everyday and at one point they tell me that XXXX said that " we will close when we close, just wait '' We finally closed and XXXX and his team thought this was a complete joke, the owner and him both need to be reprimanded for how this was handled. XXXX XXXX license needs to be looked into and suspended at that, this guy and his office are terrible. 

this loan closed XX/XX/23, 3 months to close without no explanation. my original settlement was XXXX XXXXXXXX give or take i walked away with close to XXXX XXXX
Product: Credit reporting

after paying Experian a monthly fee to check my credit report and score, i found several items that needed attention and the most critical XXXX accounts in collections, and after talking to a customer service from experian i was told that if this collection accounts where paid and settle my credit score was going to increase greatly and that collection accounts where hurting my credit score, so immediately i stat working on getting this accounts out of my report : i was able to remove XXXX accounts and paid and settle the remaining XXXX, after paying the last accounts i contacted experian and email proof of the paid accounts ( correspondence emails bank statements etc, with the collection agencies ) and they did nothing to remove this accounts and increase my credit score, so i end up filing a complaint with this government agency CFPB, this complaint made experian angry and retaliated LOWERING my credit score from XXXX to XXXX!!!! instead of increasing my score for paid collection accounts my credit score was further damage, and i am here doing the right thing so i can buy a home but now it sims impossible i ca n't fight powerful XXXX, # 1 i sign up to monitor my credit # 2 experian is charging me to give me that information # 3 i did everything they suggested to HAVE better credit # 4 after paying the accounts in question they refuse to correct my report # 5 i file a complaint with CFPB # 6 in retaliation for filing a complaint they broke my legs lowering my score # 7 i am about to loose a real state purchase just got a few days left .... 
as you can see without someone to regulate this credit bureaus this king of abuse will keep happening now i am left with only XXXX option, contacting senator XXXX XXXX and XXXX XXXX, today XXXX/XXXX/2015 i talk to XXXX XXXX # XXXX and she told me to look for legal advice ( hire an attorney ) to represent me??? so i am confuse about the reason of CFPB existence, are they here only to hear people cries of agony ( really ) or are they here to tell the credit bureaus to stop abusing consumers and to really mean it. 
cc XXXX XXXX XXXX XXXX cc XXXX XXXX CFPB Director thanks for any help and i am here XXXX if you have any question XXXX XXXX XXXX XXXX
Product: Prepaid card

When I filed my claim in XXXX, I ordered a new card to my home but I let them know I would be going to XXXX soon. The card didnt come by the time I had to leave to go to XXXX and I was expecting it to be there once I got back home on the XXXX in the mailbox so I didnt think too much of it. Fast forward to the XXXX I go XXXX XXXX XXXX and my phone and computer gets stolen so I immediately file a police report. And once I get home, I check the mailbox and my card isnt there. So Im waiting and waiting and still no card. And when I call and see if have a XXXX XXXX XXXX XXXX XXXX  I immediately get it sent so that I can pick it up. But I later found out that my claim had been approved and what I had been withdrawing was what was left on my card from the thieves stealing the rest. So I file another claim and it gets denied and come to find out, {$1000.00} was withdrawn from my acct in XXXX although I was clearly out of town and the rest was transferred to someones bank acct and I dont even have a bank acct! So I know there is no real investigation happening and something needs to be done. I need atm footage and to find out whos acct the money was transferred to because it wasnt mine. I want my money back. 

Claim # XXXX
Product: Mortgage

This is my THIRD COMPLAINT regarding Mr. Cooper Mortgage Services. My second complaint, # XXXX, was NEVER answered. 

I HOPE THE CONSUMER FINANCIAL PROTECTION BUREAU WILL DO A BETTER JOB IN HELPING ME RESOLVE THIS COMPLAINT WITH MR. COOPER MORTGAGE SERVICES. 

I sent the attached email with SPECIFIC questions to Mr. Cooper Mortgage Services two ( 2 ) times. I never received an answer to my specific questions from Mr. Cooper. I tried contacting Mr. Cooper by telephone, but always received a busy signal. I feel I have already spent an inordinate amount of time and effort to obtain answers to my specific questions. 

I would appreciate an EMAIL response with ANSWERS to my specific questions from Mr. Cooper. The email response should answer my specific questions, and NOT simply ask me to contact Mr. Cooper by telephone. I prefer to be contacted by email at XXXX. Do NOT contact me by telephone.