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

XXXX continually reports incorrect information on my Equifax credit report for the Date of First Delinquency ( DOFD ). They currently show the DOFD as XX/XX/XXXX which I have disputed with the CRA and XXXX multiple times to no avail. According to the FCRA 623 ( a ) ( 5 ) ( A ) When you refer an account for collection and notify a CRA that you have done so, you also must report the date of delinquency to the CRA within 90 days. The date of delinquency is the month, and year the consumer 's delinquency resulting in the referral began. This first delinquency leading to charge off was XX/XX/XXXX when I first became delinquent ( 30 days ) leading up to a charge off status NOT XX/XX/XXXX ( the date of charge off status ) as they continually report knowing it is, in fact, inaccurate and a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My information was exposed in a data breech. The information is inaccurate and have no relation to the accounts reporting .I opt out of any company policies as this is to be handled under FCRA LAW. I will be following up with each company to make sure this is handled in a timely fashion. 

XXXX XXXX ( {$8100.00} ) # XXXX XXXX XXXX ( {$430.00} ) # XXXX INQUIRIES : XX/XX/XXXX XXXX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Student loan

On XX/XX/2016. Navient received a check I sent them for {$15000.00}. I know this because I have a return receipt from the the post office which is dated and is stamped by Navient. I called on XXXX/XXXX/16 around XXXX to enquire why the check has not been posted to my account. They said they have n't recieved it. I spoke to a supervisor by the name of XXXX. She asked me to fax them the return receipt and to verify if the check had been cleared with my bank. The check has n't been cleared.I faxed the receipt to them today. She also said it would take XXXX business possible days for the process. I told her that I wanted to pay Navient as soon as possible and on I do not wish to wait that long. I am now paying for the {$15000.00} loan with my bank as well as Navient.. I need to get this done asap..
Product: Credit reporting or other personal consumer reports

Discover Bank is reporting incorrect information as of today XX/XX/year> and this information should be removed off of all credit bureaus because its improper incorrect and its not true. Its fraudulent. 
Please be advised that as of today XX/XX/year> there are several frauds/ or unauthorized information on this account, and I owe less on this debt as of today, but it shows a charged off debt on my credit report. This is incorrect and I will file a lawsuit against you for falsifying information! Im making payments every week to discover! 

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

I am filing this complaint to inform you that I am a victim of identity theft and to request your immediate assistance in investigating and rectifying the fraudulent information that has appeared on my credit report. I believe that I have been a victim of identity theft, and I am providing the following details for your attention : XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX. Please delete this account ASAP. I kindly request that you remove the inaccuracies resulting from this identity theft from my credit report. I appreciate your cooperation and understanding in this matter and trust that you will handle this case expeditiously in compliance with the law.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found multiple inaccuracies that do not align with FCRA requirements. This account is reporting conflicting information across credit bureaus, including discrepancies in the open dateone bureau reports XX/XX/XXXX, while another shows XX/XX/XXXX. Additionally, there are inconsistencies in the high credit balance and the date last active ( DLA ), which is critical in determining how long an account remains on a credit report. The DLA is listed as both XXXX and XXXX, raising concerns about potential re-aging of the account. 

The DLA plays a key role in determining the statute of limitations for debt collection and legal action. It appears that your company may have manipulated this date to make an old debt appear new, effectively restarting the reporting timeline and making it more difficult to remove outdated negative information. Credit reporting must be accurate and consistent across all bureaus, and the discrepancies in this account indicate misleading and inaccurate reporting, which is grounds for dispute. 

Furthermore, this account was sold to a third party, XXXX XXXX, yet I did not receive proper correspondence notifying me of this transfer. I am requesting copies of all communications regarding this sale, as well as documentation verifying the amount that was allegedly charged off, so I can confirm whether their reporting aligns with what your claim is. 

Lastly, I am formally requesting the deletion of this account due to inconsistent, inaccurate, and misleading information, as well as the absence of a 1099-C form, which should have been provided for a charged-off debt. I expect this account to be deleted within 30 days, along with full disclosure regarding the sale of this debt.
Product: Credit reporting or other personal consumer reports

Experian has failed to follow their legal obligation according to the FCRA to conduct a thorough and reasonable investigation of the incorrect and inaccurate information on my credit report. The CFPB recently filed a lawsuit against Experian for the same type of things happening to other people, myself included. Experian has not removed or corrected the information on my report ( XXXX XXXX  ) even though I have submitted a FTC report, FTC affidavit, police report and documentation proving the account was compromised by identity theft. Experians inaction violates my rights as a consumer and federal law.
Product: Mortgage

We have asked for the underwriting department to appeal their decision since they did not include the {$440.00} for XXXX XXXX payment when they figured the money for our home in the loss mitigation not to completely rework paperwork over again. This paperwork has been submitted the entire time this process has been going on. I am attaching the paperwork again, so that you will not claim you do not have it. You have asked for it on XX/XX/XXXX, which we have provided a letter from Social security, which at that time it was {$430.00}, now it is {$440.00}, It does not come to a bank account but to a XXXX XXXX card every month. Then I hear from an agent # XXXX on XXXX XXXX on a recorded line that tells me that the underwriting department has made the claim that they can not use XXXX  amount of money, my XXXX year old son, because XXXX XXXX   name is not on our mortgage. This money was used when we first took out our mortgage by our first mortgage company and when we refinanced with you, Freedom Mortgage. I have the paperwork in my hands showing it. I am now submitting another complaint to the obsurdity of this to the Consumer Finance Protection Bureau
Product: Vehicle loan or lease

Bridgecrest XXXX 3rd Party Allegedly states I the consumer natural person owes an alleged debt of {$19000.00} with their company on XX/XX/ I the consumer extended credit to the company XXXX XXXX for a consumer transaction in exchange a used vehicle. These companies violated Federal Laws, TILA, FDCPA, & FCRA. I the consumer delivered to the company legal documents and evidence of their violations and my non obligation to such debts. They also used abuse and misleading information to force I the consumer natural person into complying with their demands and regulations. A breached of my privacy has been initiated on their behalf as well.
Product: Mortgage

I am currently paying Mortgage Insurance to Quicken Loans of {$120.00} and have been paying this for four years. I have heard that the Mortgage insurance should drop in 2017, then I was told by Quicken Loans it should drop in one or two years, and then most recently I was told by Quicken Loans it would be 11 years : ( and would I like to refinance with a different type of loan to get rid of it. I would like to know when this money will no longer be charged. It would help us tremendously to get this payment lowered. I do n't like the run around I get every time I call Quicken, they are always wanting us to apply for a different type of loan or to refinance our loan. I would like without a doubt an answer as to when the {$120.00} Mortgage Insurance Payment will drop off our monthly house bill. Thank you for your time in looking into this for us. Sincerely, XXXX XXXX. XXXX
Product: Debt collection

If a consumer notifies a debt collector that the consumer refuses to pay a debt that the debt collector must cease all communications with the consumer the debt collector shall not communicate with the consumer.
Product: Credit reporting or other personal consumer reports

I recent looked at my credit profile and noticed there were a number of fraudulent accounts and inquiries on my credit report that I did not give my consent for. Those accounts and inquiries consist of the following : XXXX XXXX XXXX The fraudulent inquiries that I am referencing consist of the following : XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Good morning : My husband is a XXXX veteran and is XXXX XXXX. I am his XXXX.  I found that USAA bill pay is taking funds out of our account at different times without authorization from my husband. 
Please investigate. I will provide more information if needed. Thank you.
Product: Vehicle loan or lease

Porsche Financial has been a nightmare of a company to deal with the entire term of the lease as i have had constant issues with their website and making payments as the site would either say down for maintenance or just simply not even working. Along with countless attempts to reach a representative to speak to, until about 2 months ago they provided a number that would forward you to a spam call that would never patch me to a rep. I finally did get a hold of someone only after filling other complaints through cfpb where i was provided anther form of contact that is not listed on the payment site. Now I'm receiving additional fees in addition to my monthly payment and they are reporting that my overall lease amount as hiring resulting in my score dropping 20 points!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is committing fraudulent acts in regards to reporting inaccurate information. I had a 3rd party company to dispute on my behalf, the validity of XXXX XXXX XXXX XXXX   claim over the student loan accounts on the week of XX/XX/XXXX. XXXX XXXX XXXX XXXX responded by sending me a letter dated XX/XX/XXXX.

The question is WHY is XXXX XXXX XXXX XXXX asking for more information from me to investigate, when they are supposed to allegedly have my information to report to the credit Bureaus on a monthly basis? The Credit Bureaus, myself, and XXXX XXXX XXXX XXXX are aware that the accounts have been closed, transferred, and no longer in their possession since XX/XX/XXXX. How are Experian, XXXX, and XXXX  accurately verifying this information presently when all parties mentioned knew the accounts have not been in their possession for almost 3yrs? XXXX XXXX XXXX XXXX  has continuously reported the accounts closed and transferred since XX/XX/XXXX and was previously known as XXXX XXXX XXXX on my credit reports. But even that, the credit Bureaus are allowing this inaccurate information to stay on my credit report, continuously harming my economic wellness, in which is impacting my life.

Enclosed is a sample capture of 1 of many accounts, in regards to what is being reported on my XXXX  and Experian credit reports. XXXX is not releasing my credit report just yet. But I was able to confirm the accounts are on XXXX just as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus regarding 3 debt collectors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

Upgrade charged off my accounts after reporting a full debt validation with the company. Never received any information back. They sold the accounts but still reporting to my credit profile incorrectly. According to the FCRA LAWS A CHARGED OFF ACCOUNT THAT HAS BEEN SOLD NEEDS TO REPORT AS SETTLED FOR LESS SINCE THEY SOLD IT AND RECEIVED PAYMENT FOR DEBT.
Product: Credit card

I've consistently made timely payments on this account, ensuring they are never overdue. However, I am unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I mailed off letters disputing negative information found on my credit reports. It's been more than 30 days and I still haven't received any information in regard to the account 's disputed. I am aware that credit reporting agencies have 30 days to respond to disputes but XXXX has not followed up with me in a timely manner. Therefore I'm submitting this complaint in hopes to having my issue be addressed and corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2020, I applied for a Mortgage through XXXX XXXX XXXX ( XXXX ) in XXXX, XXXX XXXX. On or XX/XX/2020, XXXX advised me that my loan application would be denied due to two liens that are being reported by Lexis Nexis Risk Solutions. The two judgements against me in the XXXX XXXX XXXX XXXX XXXX, case numbers : XXXX and XXXX are completely satisfied. Lexis Nexis Risk Solutions is inaccurately reporting that the liens have not been satisfied and thereby caused my loan application to be denied.
Product: Debt collection

On XX/XX/year>, Orion Capital Solutions called me at work and left a VM with the front receptionist after they had just called my cellphone and left a VM wanting to verify I.D . and location. I have not received anything in writing regarding any type of debt and do not even know who this company is representing. I looked them up and they are third party collection. I called them back and told them they do not have permission to call my place of work and my employer is prohibiting calls from debt collectors. They still wanted me to verify personal details and I refused.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I hope this letter finds you well. I am writing to you regarding a matter of utmost importance and urgency that directly impacts my credit profile and financial standing. On XX/XX/XXXX, as per the correspondence I received from your esteemed organization via US Mail, it was confirmed that a XXXX account, erroneously reported on my credit profile, would be removed. This decision was based on the findings that the account 's presence on my credit report was in violation of the Fair Credit Reporting Act ( FCRA ) consumer protection laws. 

Despite your acknowledgment and the promised corrective action, I regret to inform you that as of today, this XXXX account is still reflecting on my credit report, as evidenced by a recent screenshot taken from my XXXX XXXX account, specifically showing my Equifax report. This continued reporting is not only inaccurate but also unfairly impacts my credit score and financial opportunities, thereby causing me significant distress and potential financial harm. 

Under the FCRA, consumers are protected against the inclusion of inaccurate information in their credit files and have the right to have such information corrected or removed promptly. Specifically, Section 611 ( 15 U.S.C. 1681i ) provides for the correction or deletion of any information found to be inaccurate, incomplete, or unverifiable. Additionally, Section 623 ( 15 U.S.C. 1681s-2 ) outlines the responsibilities of furnishers of information to credit reporting agencies, including the need to provide accurate information and to correct any reported inaccuracies. 

Given the clear stipulations of the FCRA and based on your initial acknowledgment of the reporting error, I hereby request immediate action to : Remove the erroneously reported XXXX account from my Equifax credit profile without further delay. 
Provide me with a written confirmation of the removal of this account from my credit report. 
Update any related records to reflect the accurate status of my credit information, ensuring that my credit score is correctly calculated without the impact of this inaccurately reported account. 
Failure to comply with these requests may be seen as a continued violation of the FCRA, potentially necessitating further action on my part to seek remedy through appropriate channels. 

I trust in Equifax 's commitment to uphold the accuracy and integrity of consumer credit information, as mandated by the FCRA, and anticipate prompt and decisive action to resolve this matter. Please do not hesitate to contact me directly at XXXX or XXXX should you require any additional information or documentation to expedite the correction process. 

Thank you for your immediate attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am writing to file complaint against Navy Federal credit Union regarding multiple overdraft fees. I have inquired despite have significant funds when transactions were authorized. I was charged fees due to lag posting of charges and credits this issue aligned with the recent CFPB findings against Navy Federal for similar practices were transaction settled with insufficient bosses, despite initially available funds I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card

On XX/XX/XXXX I received a confirmation email of an online purchase made at XXXX in the amount of XXXX XXXXusing the card I had on file which was my XXXX store credit card. I immediately contacted to company in an attempt to cancel the purchase and was told that it was too late to cancel. I then called the credit card company to report the unauthorized transaction and was told that I could not dispute the transaction because it was still pending. I was asked to call back in 3 business days. On XX/XX/XXXX I called back and filed the dispute. SInce that date I have called at least 5 times in an attempt to get a status update on this dispute. The charges are still showing on my account and all customer service representatives have told me that they do not have access to this information and that I will get an email when the dispute has been complete. It has now been over two months with no resolve and I am requesting this charge be removed from my account. 

The purchase was made online and sent to a name and address that does not belong to me. It should be a very easy case to close.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I sent a letter to Experian, XXXX and XXXX concerning the inaccurate information reported on my credit report by your company. They indeed deleted the inaccuracy placed by your company and since then it has been illegal reinsertion to my credit report by YOUR COMPANY. The items came back verified. I want to know : how did you verify this inaccuracy? 

I have attached a letter and proof of the deletion that was done to my account. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the E-Oscar and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature. 

Attached : A complaint letter, PROOF of deletion of the account on my credit reports, copy of my Social Security Card, copy of my FTC report and Drivers License is attached for proof of identity.
Product: Debt collection

XXXX XXXX XXXX is trying to collect a debt for ONEMAIN FINANCIAL GXXXX XXXX that was written off and a 1099c issued by Onemain financial. XXXX XXXX  is reporting the debt incorrectly to XXXX XXXX and XXXX credit reporting agencys.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to obtain an apartment and this " civil actions for possession '' keeps coming up. 
1. On XX/XX/2016 it was filed by LexisNexis XXXX XXXX XXXX XXXX XXXX. Case number # XXXX 2. On XX/XX/2016 it was filed again for same thing. Case # XXXX This was for the XXXX at XXXX XXXX Apartments. I have spoke with XXXX at XXXX XXXX who said that I don't owe them nor have owed them. I paid rent and have never been evicted. I have talked to manager XXXX at time as well as new manager. They both sent me proof I fulfilled my lease as agreed. That I've never been evicted by them and that there's a mistake. I have lroof they sent me showing this as well as how they refunded me over {$3000.00} even stating if I owed them I wouldn't have received my deposit back. So this 3rd party company has ruined my credit reputation and life. They are costing me hundreds and hundreds of dollars because of applying to endless apartments only yo be turned down because of this fraudulent company falsely reporting. They are causing me extreme emotional distress and I need help resolving please. They are about to make me and my daughter homeless!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I called to explain that this debt was not mine. Not only was I never contacted about the debt beforehand, but I had medical insurance through my employer and my doctor 's visit was covered 100 % during the time of the " original '' debt. The rep was very nasty and ended up disconnecting the call while I was attempting to explain the information.