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

Recently, I got declined by a credit card application and reject reasons are due to several delinquencies on my account. After paying a membership fee, I can see my latest Experian credit score and realized my credit score dropped XXXX points in one month but my other credit reports getting from XXXX and XXXX XXXX fine. On my Experian account, a Charged Off XXXX  XXXX XXXX ( XXXX ) credit account has been added on last month XXXX XXXX. After spending several hours calling Experian and XXXX  XXXX XXXX back and forth, XXXX told me they didnt see any delinquent XXXX  account under my identify and they didnt know why Experian added it under my credit report. After talking with Experian, I finally figured out that this charged off account is under different name without SSN. The only thing same is we have same last name. I already started disputed process with Experian and still waiting for their feedbacks. 
Actually, this is not first time such thing happening to me with Experian. In XXXX, I can not figure out why only my Experian credit score was so low. After I purchased membership with them, I found out there are several other persons delinquencies had been added under my account. I had to spend several weeks talking with their team and fixing it. Back to XXXX, I thought it just occasionally happens to me. However, today, I feel Experian just carelessly handles peoples information. What they are doing is not only wasting peoples time, but also hurting peoples life. Top on that, I have to pay a membership fee to check my credit report and all details in order to fix the issues caused by them. 
By the way, I didnt see same issues happening on me with other 2 credit bureaus.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate accounts and inquiries reporting on my credit report.
Product: Credit reporting or other personal consumer reports

They are the cause of my data breach alone with XXXX and there are accounts with the collection and late payments, addresses that do not belong to me and all of this stuff is preventing me from getting an apartment for my and my children 's credit e.c.t. We are homeless right now because I've been fighting with XXXX and Experian credit report for months. I did not realize that my credit report had been tampered with since XXXX I didn't realize it until I noticed that my XXXX XXXX and a lot more of my accounts were changed into a different name and every time my bank cards were used. and this was back at the end of XXXX.
Product: Debt collection

I hope this letter finds you well. I am writing to address some concerns regarding recent late payments on my account. I have noticed that there have been delays in the processing of payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Transunion, XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report, Despite my submissions. XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. & 1681i, which mandates reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ). 12 U.S.C. & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Product: Checking or savings account

Capital one did not notify me until after business hours on THURSDAY that my Wednesday deposit would not be processed due to a technical issue. Capital one is still withholding my paycheck that was submitted to them on Wednesday XX/XX/15 by my employer.
Product: Debt collection

ERC KEEPS CALLING MY FAMILY MEMBERS AND MY CELL NUMBER, I TOLD THEM TO STOP AND WON'T. CALLED FROM ( XXXX ) XXXX, SEE FCC COMPLIANT ATTACHED. AND INDIANA 'S ATTORNEY GENERALS DON'T CALL LIST.
Product: Debt collection

I do not know who they are or what they are looking for out of me they are based out of XXXX Texas
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX on XX/XX/2020 I pulled my credit from XXXX. numerous accounts were open without my knowledge nor consent. ( Details of these account will be found in my dispute letter ) These accounts were open after someone who broke into my car & stole my personnel info, causing me to be a victim of Identity Theft. Please remove these fraudulent accounts from my credit report as they do not belong to me.
Product: Debt collection

I previously disputed this collection account to Credit Bureaus as I am not familiar with this {$1200.00} debt with IC System but they continued to report the account as accurate. That is the reason why I filed a complaint with CFPB. I have full medical coverage reasons why this account should not be showing on my credit report. I am not obligated to pay for this considering this business does not have a contract with me or provide me with any service.
Product: Mortgage

I mailed my mortgage payment due on XXXX/XXXX/2016 on XXXX XXXX, 2016 to Nationstar Mortgage in XXXX XXXX XXXX XXXX California just as I have for the last 2 years. They are claiming they have not yet received it - when I called to discuss this matter I was placed on hold for over 10 minutes and then was disconnected. I can not get them to help me as I am convinced they have simply lost my payment.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX
Product: Debt collection

I have been contacted via email united states postal service and telephonic harrasment that exhausted working hours .I wanted a deletion due to their own admittance of the breach, however I have not received any resolution and it is delaying my current mortgage underwriting process. I ask timely deletion of any information that do not belong in my report to no avail .According to C.F.R.A I know I do have the right to a fair and accurate reporting I would like that right asserted with in the 72 hours frame they have to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A. States I have a right to privacy. U.S.C. 1681 Section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX acct. 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.
Product: Debt collection

ON TODAY XX/XX/2020 I CONTACTED THE COLLECTION AGENCY AND WAS TRANSFERRED TOAN ACCT REP BY THE NAME OF XXXX. I HAD CONFIDED IN HER STATING THAT I HAD LOST MY JOB AND SINCE LOST MY PLACE I EDUCATED THE REP THAT I HAD MOVED BACK HOME TO MY PARENTS AND UNDERSTOOD I HAD A DEBT THAT I WANTED TO TRY AND PAY SOMETHING SHE TOLD ME I COULDNT PAY THE XXXX DOLLARS, TOWARDS MY ACCT THAT SHE WOULDNT TAKE THE PAYMENT I THEN ASKED HER AGAIN AND SHE SAID I COULD DO XXXX THEN XXXX PPA I TOLD HER MY ACCT WOULD BE OVER DRAWN AND SHE STATED THAT I HAD TO PAY THE XXXX. I HAVE NO JOB OR INCOME COMING IN SHE MADE ME FEEL HARASSED AND THREATEN THAT IF I DIDNT PAY HER SOMETHING BAD WOULD HAPPEN TO ME HOW CAN THEY DO THAT TO PEOPLE THAT ARE TRYING DURING A PANDEMIC AT LEAST IM TRYING TO PAY SOMETHING RATHER THAN NOTHING THEN MY FATHER STATED HED PAY XXXX ON HIS CARD AND SHE DECLINED AND STATED THE LEAST THEYU COULD EXCCEPT WAS XXXX I DONT HAVE A JOB I CANT PAY XXXX SHE HARAASSESSED ME AND SHE WAS BEOING FALSE AND MISLEADING THATS A UDAPP
Product: Student loan

I took out a {$6000.00} loan with a 10.5 % interest rate in XX/XX/XXXX. Repayment began XX/XX/XXXX after graduating. To date Ive paid Navient {$7000.00}. They are constantly calling myself and my elderly father, who co-signed for me, as they state I owe another {$6400.00} as of XX/XX/XXXX. My account shows that Ive been charged {$7700.00} in interest since the loan was disbursed. So thats {$6000.00} for the principal & another {$7700.00} in interest for a total of {$13000.00}. I dont understand how a 10.5 % interest rate on {$6000.00} equals almost {$14000.00}. Do I have any recourse here to get them to stop calling or get them to close the loan as paid-in-full?
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX- XX/XX/XXXX I went to a Dealership called XXXX XXXX XXXX at this location when they filed for me to lease a car they put 20+ hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.
Product: Credit reporting or other personal consumer reports

In early XXXX several Dept of Ed/NelNet student loans began appearing on my credit report. I do not have, never have had, and have never applied for any student loans through any lender. I disputed the improper accounts with the XXXX credit bureau on XX/XX/year> and in early XXXX the credit bureau ruled in my favor and removed the fraudulent accounts from my credit report. In XX/XX/year>, the fraudulent accounts reappeared on my credit report.
Product: Checking or savings account

webster bank XXXX XXXX  {$1000.00} ( XXXX XXXX ) at XX/XX/XXXX to the wrong person name XXXX XXXX telephone number last digit change by bank error and money going to wrong person, i was requested more then six times by phone and lost more then six hours, XXXX XXXX my money in my account but they denied continued, Another fraud is happening by someone name is " XXXX XXXX '' is entered the bank system at XX/XX/XXXX in my XXXX  account, change my phone number and asking {$700.00} in XXXX transfer, this same individual also trying to XXXX  transfer XXXX XXXX dollar in my " XXXX XXXX XXXXXXXX '' account, at XXXX XXXX, but failed, bank emailed me and stop this transfer, i called the bank and idenfied as a fraud case, this fraud individual " XXXX XXXX 'XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Hello, I have had many issues with my mortgage company Mr Cooper. 
For some history, I have paid XXXX to XXXX months in advance for the past 12 months. 
I have also paid my principal separately over the last 12 months. As of today, XX/XX/XXXX I am paid up until XX/XX/XXXX. 

My problems with my mortgage company include not being able to make additional payments in advance. The inability to make principal payments by phone or the website. As well as, the inability to speak to anyone about unapplied funds on my account that have not been paid to my mortgage. I have called many times and selected different prompts, and have never been able to speak to an agent at Mr Cooper. I have also chatted on the website with a robot, but no live agents are available. I have been attempting to reach someone since XX/XX/XXXX. The last time I called was today XX/XX/XXXX at XXXX XXXX. 

When trying to process a principal payment by phone and by the website this statement appears : Before you make an additional principal payment, please pay your total amount due this month including any outstanding fees. If youve already scheduled a payment for this month, please allow up to XXXX hours for processing. ( I am paid up until XXXX, XXXX ) The data entry on the website states the following money has not been applied : Unapplied Funds XX/XX/XXXX {$110.00} {$0.00} {$0.00} {$0.00} {$110.00} {$53000.00} This is unacceptable. I need answers and assistance from this company as to why funds are not being applied to my principal balance. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion is reporting all of these as hard inquiries and they should not be reporting these on my credit report because these were not authorized by me. Here is the list of hard inquiries being report by Transunion : XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX CO XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX FTC REPORT # XXXX
Product: Credit reporting or other personal consumer reports

Request for Reinvestigation of Debt Verification To Whom It May Concern, I am writing to formally request a reinvestigation of the debt that has been verified as accurate. I recently received notice that [ name of credit reporting agency or debt collector ] has verified the debt in question. However, I have reason to believe that the information provided is incomplete, inaccurate, or unverifiable. 

The debt in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To properly address this matter, I request the following : 1. Detailed evidence of the investigation process that led to the verification of the debt.Show certified licenses to do business in Georgia, Show proof of OWNERSHIP under the Federal compliance policy.

2. Copies of all documentation used to verify the debts accuracy, including original contracts, billing statements, and any other supporting records, certified documents 3. Confirmation of compliance with the Fair Credit Reporting Act ( FCRA ) or Fair Debt Collection Practices Act ( FDCPA ) during the verification process. 



If the debt can not be substantiated with complete and accurate documentation, I respectfully request that it be removed from my credit report immediately, and all collection activities cease. 

Under the FCRA, you are required to complete your reinvestigation and respond to my request within 30 days. Please notify me in writing of the outcome and provide a revised report if applicable. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I'm submitting this complaint against XXXX and True Accord for practices that I believe infringe upon the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). As per my agreement with XXXX, all disputes concerning my account were to be settled through arbitration. However, without my consent or any arbitration proceedings, XXXX transferred my loan to a collection agency, True Accord. In their response, they confessed that they no longer own the debt ; it was now held by a collection agency. I argue that this act is a breach of contract and infringes upon my rights as a consumer. Upon becoming aware of this issue, I reached out to XXXX and expressed my readiness to repay the debt directly to them. Despite my readiness to settle the debt, XXXX declined to retrieve the debt, which I believe was transferred unlawfully. Moreover, in the process of this transaction, XXXX revealed my personal information to True Accord without my consent. I maintain this is a violation of FCRA Section 604 ( a ) ( XXXX ) ( F ), which limits the distribution of consumer data without a legitimate business requirement. After acquiring my loan, True Accord has resorted to harassment to recover the purported debt. They have phoned me multiple times during my work hours and even reached out to my workplace directly. They also threatened to report the debt to credit bureaus if I didn't comply. To avoid further harassment and potential damage to my credit report, I felt compelled to pay True Accord. I posit that these actions contravene FDCPA Section 806 ( 5 ), which forbids causing a telephone to ring or engaging any person in telephone conversation repeatedly or incessantly with the intent to annoy, abuse, or harass any person at the dialed number ; FDCPA Section 805 ( a ) ( 1 ), which prohibits communication with a consumer concerning the collection of any debt at the consumer 's workplace ; and FDCPA Section 807 ( 5 ), which forbids the threat to carry out any action that can not legally be executed or that is not planned to be executed. In light of these concerns, I request the CFPB to probe into these issues and take suitable action to safeguard my consumer rights. I also urge that OppLoans expunge this account from my credit report immediately, as I believe it was unjustly sold and reported to the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've attempted to have Experian Investigate inaccurate accounts being reported on my credit profile to which they've responded they could not begin the investigation due to improper documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau since XXXX and now we are on XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by CAPITAL ONE AUTO FINANCING on XX/XX/2016 which l have no idea about it at all.
Product: Money transfer, virtual currency, or money service

Zelle has not handled my disputes in the past correctly and giving any proof of investigations from reporting unfamiliar transactions. My bank in connection with its Zelle failed to inform me of my privacy and failed to protect my funds.
Product: Mortgage

We have been up-to-date on our auto-payments ( even paying extra towards the principal ) monthly when covid19 arrived in XX/XX/XXXX. We availed of the forbearance offer of Chase / XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX because of the fear and impact of the pandemic. Being slowly able to manage our finances, even while in forbearance, we resumed our monthly payments starting in XX/XX/XXXX to XX/XX/XXXX. We felt the covid19 situation was getting handled better so we called Chase on XXXX XXXX to officially opt out of the forbearance, have the other outstanding payments deferred and set up monthly auto-payments again for XX/XX/XXXX. Company rep " XXXX XXXX told us that our case needs a review and they will mail us their decision (? ). End of XXXX we got mail that our " Assistance Review Application (? ) '' is insufficient so we have to submit a hardship application complete with income, bank statements, 2 years ' tax returns, paystubs, pensions, etc., and foreclosure activity may proceed but house will not be sold until after XX/XX/XXXX. We feel this is so unfair, us consumers are being bullied and abused. Please help.