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

XXXX, XXXX. Company you are furnishing inaccurate and incorrect information to the consumer reporting agencies. Monthly Payment, Terms, Credit Limit, Past Due, Date of Last Payment and Activity, and Last Reported Date is different across XXXX, XXXX and TransUnion, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is clearly in violation for not reporting 100 % accurate. Also, Under 15 USC 1681 s-2 Says you XXXX  XXXX. company is a furnisher of information to a consumer reporting agency. You are the only data furnisher yet different information is reported. 

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiries were not authorized and should not be reporting. 


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.

The accounts below have 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 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 ) ( a ) 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, credit repair services, or other personal consumer reports

Earlier this year I complained that Experian is not accurately reflecting my credit history and worthiness. Again this month, my FICO score dropped significantly by 15 points because " 1 ) No recent revolving balances - Your credit report show no recent balances on your revolving accounts. Your FICO Score was hurt because you are not currently demonstrating active revolving credit management. '' This assertion is totally erroneous as a great deal of transactions occur in both AMEX accounts continuously and are paid very promptly so as to remain in excellent status. AMEX has supplied a letter reflecting the exceptional and excellent status of my accounts without exception. Seems I am being penalized for paying promptly and in full maintaining a zero balance. This practice is unfairly and erroneously being reflected in my FICO score. This is the second occurrence this year and the previous complaint yielded no results through this effort. I take my credit scores very serious, thus if my complaining is frivolous, please notify me so that other remedies can be sought.
Product: Student loan

I have had a student loan with XXXX then and now Navient since XX/XX/XXXX, I am not sure what the original loan balance was but I want to say it was around {$40000.00}, apart from when I was in school and not paying them I have been paying my student loans since XX/XX/XXXX consistently, I have had a few months that I had a forbearance and now I am on an income driven plan which was supposed to help reduce my payment but it seems like around a {$9000.00} decrease in almost 13 years does n't make much sense, going at this rate it would take almost 60 years to pay off a {$40000.00} loan, even a house loan only lasts 30 years, this is insane and part of the problems with student loans and the loan debt, I think it 's funny how now the lawsuits are coming up against Navient and I think I am a prime example of their lies and deceitful business
Product: Mortgage

XX/XX/XXXX - I received a phone call from New American Funding ( XXXX ), but the caller terminated the connection without providing any information ( dead air ). I called back and was informed that NAF was reaching out to discuss FEMA disaster zone options ( the subject property is located in a FEMA disaster zone ). After learning more about the program, I declined the offer. However, the representative had already canceled my auto-payments without my authorization and was unable to fix the erroneous cancellation. 

XXXX - I checked my NAF portal and saw that the auto-payment was not processed ( explanation above ). At that time, I noticed the XXXX escrow analysis indicated that my payment would increase by approximately $ 200/month. After further review, I discovered that the XXXX escrow analysis used an inaccurate hazard insurance premium ( {$310.00} annual ), which caused NAF to issue an " overage refund '' since they felt the escrow account was overfunded. However, this was a negligent escrow analysis and NAF should have used the actual premium of approximately {$1700.00}. As a result of NAF 's failure to perform an accurate escrow analysis, my escrow account was underfunded during XXXX and my " new payment '' will increase from {$2100.00} to {$2300.00}. 

New American Funding is wholly responsible for performing an accurate annual escrow analysis, the results of which are relied upon by the consumer. NAF 's failure to perform an accurate analysis, combined with their unauthorized cancellation of my auto-pay, directly resulted in damages ( time ) and would likely have resulted in missed mortgage payments.
Product: Credit reporting or other personal consumer reports

Equifax and Experian are showing medical debt on my personal credit report.
Product: Debt collection

XXXX XXXX was contracted by a former business I was a partner in. The business was sold on XXXX to my other business partner. XXXX sent an invoice in the form of XXXX to me following a disagreement that she had with the owner of the business stating I was responsible. I responded and told XXXX, the owner of XXXX, that I did not own the business. I gave her all of the contact information of the new owner and the attorney who handled everything on the sale and was handling any debt that the old partner did not pay. The old partner ended up not paying anything and when I logged into my credit, I saw that ally had sent ME to collections. I contacted XXXX XXXX at thunderbird and explained. I also asked him to send any signed agreements for my attorney to review but he has not provided anything to confirm the debt. This not only is not my debt, I have evidence that the person who reported this knew that this was not my debt and still sent this in. The dates of service is XX/XX/19 which legally, I had zero association with the business in any capacity on that date. This is unethical on both XXXX XXXX and XXXX at XXXX. This has affected my credit and made a huge difference on interest rates for an investment condo I planned on purchasing. Please help asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested via certified mail, a formal dispute of  XXXX   XXXX   XXXX   XXXX  is Illegally reporting on all  XXXX  major bureaus, Experian,  XXXX  and  XXXX . I have requested that the information be removed due to per Texa s SOS debt collection must be Bonded, and although they are not a 3rd party collector, they are indeed trying to collect a debt via the credit bureaus with a " Cancelled Closed File '' per the Texas SOS. I have attached the  search results.
Product: Credit reporting or other personal consumer reports

Company has violated code 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Balance dates open and close are all inconsistent within all 3 credit bureaus completed hindering me from my fair rights. 

I want all negative accounts removed and deleted in accordance with the XXXX  and fair credit reporting act and other laws outlined with the CFPB. 

These companies are sending automated letters and have no addressed the complaint with no account attached please issue a complaint on the consumers behalf
Product: Credit reporting or other personal consumer reports

I submitted identity theft reports to all 3 credit reporting agencies on XX/XX/2023 with 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer per the law.

When I spoke with the credit reporting agency representatives today I was told that the items are in dispute and the companies have 30 days to reply. I was also told by XXXX that due to some internal issue with my file that the process had not started yet. The law makes no consensus for this. In fact, I have requested the update of my personal information before with no avail.
Product: Mortgage

I have authorization to represent XXXX XXXX XXXX and XXXX XXXX XXXX XXXX concerning their mortgage with Nationstar Mortgage. This authorization is notorized and I can provide a copy. The Nationstar Mortgage company is trying to get XXXX 's to sign documentation without any explaination to what or why they need the documents signed. The email I have acknowledging my authorization is from XXXX XXXX, Government XXXX XXXX, phone XXXX. But I can get no answers for my client and the contact phone number only offers me a XXXX XXXX card if I qualify. 
You may contact me for the proof of documentation. XXXX XXXX, XXXX, XXXXXXXXXXXX, phone XXXX. I am trying to serve a client who needs help. 
Thank you.
Product: Checking or savings account

On XX/XX/2022, approximately around XXXX XXXX, I was talking to the doctor at work over the phone when all of a sudden, line got disconnected, I have no signal at all. I was under a family plan through XXXX but when I asked my mom, my dad and my brother, all their phones were working except mine. My brother called XXXX to let them know the situation. After about 40 mins, my connection came back and I was able to continue using my phone. Around XXXX XXXX  when my brother asked me to send him money through XXXX however I could not access my Citi mobile app at that time, for some reasons, it's not accepting my password. Around XXXXXXXX XXXX, I received an email from Citibank stated that a wire transfer was completed amounting to XXXX usd. I reported this to Citibank immediately the next day and I reported this to the police. As I continue to review/check my phone, theres also a charge in my XXXX credit card amounting to XXXX usd. I also found out that theres XXXX usd charge in my account that was sent to someone named XXXX XXXX whos also a Citibank client. Citibank kept on closing the case for XXXX charge in my account via XXXX without reaching out to me or even asking me for additional information that they need from me.
Product: Debt collection

I have received multiple calls from Portfolio Recovery Associates starting XX/XX/21 and each phone call is from a different number. The last phone call was on XX/XX/21 from XXXX. 

On XX/XX/21 I answered the line the individual wouldn't state who they were or why they were calling but wanted me to provide information confirming my identity. I refused and the call was disconnected. 

I declined the incoming call on XX/XX/21 and called back to discuss why I keep being called. The individual stated that they could not review any information until I confirm my identity. I refused and explained they were calling me no left a message in regards to who they were trying to contact or why. The lady became rude and disconnected the line. I called back and the next gentleman I spoke to I explained that I do not have an account with their company and if they wanted me to provide my information over the phone they would need to provide me with physical documentation before I provide identify information over the phone or they can remove me from whatever call list they have. The gentleman stated he was not going to provide me with information through the mail as I have not confirmed my identity and disconnected the line. 

This company is rude and unprofessional and may be collecting information falsely from individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

i told them many times to stop calling they stop and now are are robocalling me
Product: Checking or savings account

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Chase Bank regarding their handling of my deposit and savings accounts. Despite being a loyal customer for several years, I have recently encountered an issue that has left me deeply dissatisfied with their service. 

On XX/XX/XXXX, I was informed by the bank representative that my deposit could not be processed due to reasons that were not clearly explained to me. Despite my repeated inquiries, I was provided with vague responses and no concrete explanation for the refusal to accept my deposit. 

Furthermore, I could provide proof for all my transactions. But, the bank has made its decision without providing me the oppotunity to defend myself. This has caused me significant inconvenience and frustration, as I rely on my savings account for managing my finances and planning for the future. 

I believe that Chase Bank 's handling of my deposit and savings accounts is unacceptable and violates the principles of fair and transparent banking practices. As a consumer, I expect to receive clear and timely communication regarding any issues with my accounts, as well as prompt resolution of any problems that may arise. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to address the issues raised in this complaint. Additionally, I urge Chase Bank to review their policies and procedures related to deposit and savings accounts to ensure that they are in compliance with regulatory requirements and prioritize customer satisfaction. 

Thank you for your attention to this matter. I look forward to a swift resolution and a satisfactory outcome. 

Sincerely, XXXX XXXX
Product: Mortgage

I was sent another persons personal information by way of a of a final closing document on XX/XX/XXXX via frost bank staff. I have been working on my own loan and will be closing on XX/XX/XXXX I attempted to inform the company as soon as I realized it happened however it was XXXX central time and they had left. I spoke with the closing staff member the following day at XXXX and her supervisor. I hope they will follow up with the other person however as I explained to them I would want someone to fill out a CFPB complaint to protect me if this happened to me to at least ensure the person is notified I have no idea if my file was sent to the other party but all I have been told is that it was not but there is no proof that has been provided to establish that. I also do not know what proof I would ask for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

DELETE XXXX  XXXX because of multiple inaccuracies. 1. In the Open Date sections of this listing. XXXX is reporting XX/XX/2019 for the date this account was opened. However, XXXX and Equifax is reporting that it was open on XX/XX/2019. These dates are inconsistent. 2. In the Account Status sections of this listing. XXXX is reporting that it is a closed account. However, XXXX and Equifax is reporting that this account is Open. How can this be inconsistent? Please Delete!
Product: Credit reporting or other personal consumer reports

DEROGATORY REMARKS/COLLECTIONS/ACCOUNTS XXXX. XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES 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

I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to formally request verification and removal of inaccurate late payment information appearing on my credit report. 

The accounts in question are as follows : Creditor Name : CXXXX XXXX Account Number : XXXX Reported Late Payment Date : XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Urgent Request to Review and Correct Reporting under FCRA Section 623, Truth in Lending Act, and IRS 1099-C Guidelines Dear XXXX XXXX XXXX I am writing to urgently request that you review the reporting of my account with account numberXXXX in accordance with the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ), the Truth in Lending Act ( TILA ), and IRS regulations regarding the cancellation of debt.

I have identified inaccuracies and potentially fraudulent activity associated with this account. As per the Truth in Lending Act, I am entitled to accurate and fair reporting, and I am currently in the process of reporting this entire transaction as fraud. I also intend to report this matter to the IRS, as the nature of the transaction may have further implications for both tax reporting and compliance. According to IRS Publication 1099-C , creditors are required to file Form 1099-C with the IRS when they cancel a debt of {$600.00} or more, as this canceled debt is generally considered taxable income for the debtor. The publication specifies : A debt is deemed canceled when a creditor decides to stop trying to collect on it or reports it as a loss on their books. This may include a charge-off on their financial records.

If you have reported this account as a charge-off or have ceased collection efforts, you may be required to issue a Form 1099-C to both the IRS and myself, indicating that the debt has been canceled. Failure to align your reporting practices with IRS, FCRA, and TILA guidelines not only results in inaccuracies on my credit report but also causes harm to me by putting me at risk with the IRS, as this is considered taxable income. I am trying to stay in honor by ensuring my records are accurate and compliant. In light of these concerns, I request that you : 1. Review, verify and delete the current reporting status of this account on my credit report.

2. Provide documentation clarifying whether this account has been considered a canceled debt under IRS guidelines.

3. Issue Form 1099-C if applicable, or correct any inaccurate information reported to credit bureaus.

4. Respond to my claim of fraud under the Truth in Lending Act, providing a thorough review and documentation of the accounts legitimacy.

Please respond within 10 days to confirm your receipt of this request and to inform me of the actions you will take to address these issues. If this matter remains unresolved, I will continue reporting these concerns to the relevant regulatory authorities, including the IRS. 

Thank you for your immediate attention to this request. 

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

In accordance with the Fair Credit Reporting Act XXXX  Account Name/ XXXX XXXX  Account # XXXX Account Name/ XXXX Account # XXXX, Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX Account # 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

I have asked Senex Services Corp. to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Milestone Credit Card that was issued by Bank of Missouri but serviced by Genesis FS Card Services. My card did fall behind however I called them in XX/XX/2022 to make a payment to prevent charge off. I made a payment that day of XXXX on the phone and advised I will be paying this account in full before the next pay was due. I asked would the {$56.00} payment be enough to keep the account open and prevent chare off and I was advised yes. I called back a week later to set up the payoff of the balance and learned my account was charged off anyway and sold to XXXX XXXX XXXX XXXX. I tried to speak with someone at Genesis to tell the, this was an error but they refused to speak to me and stated I needed to call XXXX XXXX. So I called XXXX XXXX  and set up the payment to pay the account off in full ( {$1000.00} ) on XX/XX/2022. XXXX XXXX only had my account for less than 10 days so they never reported to my credit. But Genesis reported the account as charged off. I filed a complaint with the XXXX  and this was the only time I got a response from Genesis. They stated they would pull the account back and remove the charge off in XXXX days this was XX/XX/2022. On XX/XX/2022 Genesis has pulled the account back from XXXX XXXX and started the process of removing the charge off but only from XXXX. Then today XX/XX/2022 I was notified that the balance of {$1000.00} has reappeared on my credit. I called to find out why and Genesis stated they don't have the funds from XXXX XXXX although XXXX XXXX did confirm my pay off on XX/XX/2022. I asked Genesis to stop reporting this balance since it was paid to the company they sold it too and it is not my fault they is a break in their process to get the account back that they sold. The payment was made therefore I am no longer responsible for the balance yet they are still reporting as if I never paid the balance in XXXX.