23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been submitting disputes to XXXX  since XXXX for items not belonging to me. on XX/XX/XXXX i was able to remove a collection from PORTFOLIO RECOVERY ASSOCIATES with the original creditor XXXX   XXXX. On XX/XX/XXXX the same collection was placed on my credit report from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am quite attentive to my credit. Recently, Equifax dropped my credit score by XXXX points but showed no reason for such. The only two changes to my credit were I paid DOWN my balances. XXXX increased my score by XXXX points for the same reason. 

I can not find a single reason why my score would drop so drastically and have been unable to ascertain from Equifax as well. To drop my score at all, let alone XXXX points, for paying DOWN my balances seems ludicrous to me.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXInquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am formally request to dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts and Bankruptcy. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. I assume for your immediate assistance to correct or remove the following accounts and Bankruptcy : XXXX XXXXXXXX XXXX Balance Owed : {$2100.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 

XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

Chapter XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Checking or savings account

This company Upgrade has a checking account that I utilized for my direct deposits. I had 2 returned deposits ( checks written to me from other people ) which put my account in a suspended status. My account remained in this status for well over a week. While on suspended status, Upgrade continued to accept deposits into my account, including my Social Security XXXX Payment. I notified Upgrade that they were withholding my Social Security funds from me and that under the law, they could not rightfully do so. Their response was to say that the law does not apply to them and that the deposit agreement I signed enabled them to take the action to suspend my account. I requested ( actually demanded immediate account closure ) XXXX XX/XX/2024 by sending the Social Security Administration my money back. They then sent me a form to have the remaining funds transferred to my account at another financial institution. I sent the form back, signed and completed within 10 minutes of receipt. When I followed up on it, they told me that their " processes '' take 7 to 10 business days to move my funds. When I asked to explain why I was given no explanation and then they proceeded to make it more difficult to contact them by adding my phone number to a " block/DNA '' queue which simply says " Welcome to Upgrade, your call is recorded, Please hold '' and then you are placed on " Terminal Hold '' until you simply choose to hang up. Upgrade has purposefully been blocking access to my funds and then because I had the audacity to follow up, they took and and all steps available to delay the transfer of my funds.
Product: Payday loan, title loan, personal loan, or advance loan

Stupidly, in XXXX of XXXX I took out a business loan with BHG but never started the business. It was an {$87000.00} loan with a XXXX  month blackout period at {$1400.00} a month with XXXX due after 5 years. In XX/XX/XXXX I contacted them and they told me that they would release me from the loan if I paid $ XXXX, which I obviously dont have. At this point I have taken out a second mortgage on my house to help with the financial burden of this loan. I naively didnt realize that a blackout period was not standard in a business loan. XX/XX/XXXX I contacted them again about a negotiation and was told they dont negotiate.
Product: Credit reporting or other personal consumer reports

XXXX is showing one thing XXXX and transunion is showing another Ive ask XXXX to correct or remove it never heard back from them nor was it corrected. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5100.00}
Product: Debt collection

I am receiving non-stop harassing calls and texts from " Eastern Account '' and " XXXX XXXX. '' My mother is also receiving these calls and texts and is being told about this stuff which is not OK. She lives nowhere near me and is calling me to see why she is getting non-stop calls from debt collectors. 

I have contacted each company through their site on more than one occasion and have not received a response that provides insight to what debt I supposedly owe.
Product: Mortgage

I have been in the process of refinancing since XXXX of 2020. I have been told numerous times to resubmit the same documents multiple times. Everytime I ask for an explanation I don't get a response for days sometimes weeks. A manager finally tells me multiple agents with my files left the company. Not only am I concerned about mine and my wife 's personal information, I'm concerned about the interest rates changing. We've signed closing docs numerous times and have even been asked to signed docs with our names misspelled and with other inaccurate information. Today, again I was told they can't find my information and want me to resubmit the same docs I've submitted multiple times. They are also presently hold my current mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB complaint directly to XXXX and Equifax Credit Bureaus, as when checking my XXXX Credit Report, I found that the fraudulent inquiry I requested to remove was no longer be seen in my credit report. So I kindly request to the remaining XXXX credit bureaus to fully remove these remaining fraudulent inquiries from my credit 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
Product: Debt collection

Did not receive any information to be able to resolve this debt. Did not find out until I received an email with out any notice or paperwork in the mail. According to the email I had a certain time frame to resolve this matter and was not allowed to send any response due to not getting anything mailed to me. Only copy I have seen was the one sent to my employer. And was only notified via email that wage garnishment was already in place
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Connecticut XXXX Equifax XXXX XXXX XXXX XXXX, XXXX, GA XXXX RE : XXXX Account XXXX Dear Equifax : I am writing to you in reference to my XXXX account. A new account number was issued by the creditor because of a brand name change. You list this account as a new account. The account was opened in XXXX. 

You list the old account status as " Closed by credit Grantor '' This remark is considered negative on credit reports. 
You list the account as a new account and credit line. The account was transferred to a new account number. 

Equifax lists my account as a " newly '' opened account. This had changed the average age of accounts and caused a credit score decrease. Please adjust your records to show the date opened on this account reflects the date opened in XXXX. 

I have enclosed a letter from XXXX that shows this is an existing account. 

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

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax XXXX a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment for XX/XX/year> was made on time, which falls within Capital Ones 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Error caused by automatic payment system : I had set up an automatic payment for XX/XX/year> through XXXX XXXX 's payment system. However, due to a system error, the payment was delayed and processed late. This was an error beyond my control, and I acted promptly to resolve the issue when notified. 
Evidence provided : I have attached my bank statements and the payment confirmation showing that the payment was made on time, confirming that I acted within the allowed time frame. Additionally, documentation from XXXX XXXX acknowledging the system error has been included. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

NewRez has applied over XXXX annually in insurance for condo insurance. 
I don't have a condo, I have a coop. It's insured through the coop. 
They're the third ones to buy the mortgage, and the only ones to not understand what the financial instrument is ( i.e. " What's a coop? '' on one of the rare occasions I could get a human on the line. ) I sent them proof of insurance months ago. No one will acknowledge it, despite phone calls emails etc.

This issue has been going on for six months. As of XX/XX/year> I am now in arrears as I haven't paid for the insurance they are demanding ( which is extortionary, and about 800 % market rates ) when I already have insurance. 

I can't even pay off the loan and be done with them, because they are demanding the entire years insurance be paid off in advance. Not the one day it has been incorrectly assessed, no, the entire year.

Nobody will respond. I mean, at one point I got a letter saying it was resolved, but then they immediately came back to me looking for the insurance again so either that was false, or they are not communicating internally. 

They're also not communicating externally so I guess that's consistent.
Product: Credit reporting or other personal consumer reports

I discovered inaccurate information on my credit reports related to debts that were publicly declared as paid in full. On XX/XX/XXXX, a " Notice to Creditors '' was published in the XXXX XXXX XXXX, confirming that all debts belonging to XXXX XXXX XXXX had been resolved. This notice ran multiple times until XX/XX/XXXX. Despite this, the debts remain listed on my credit reports, which unfairly impacts my creditworthiness. 

To address this issue, I filed disputes with the credit reporting agencies ( XXXX XXXX, XXXX, Equifax, and XXXX ) and provided them with the official advertisement proof as evidence. However, the credit bureaus failed to update or remove the inaccurate information from my credit reports. This lack of action violates the Fair Credit Reporting Act ( FCRA ), which requires the agencies to investigate and correct inaccurate information in a timely manner. 

The debts listed on my reports have been fully resolved, as verified by the public notice, and the continued reporting of these debts as unpaid is misleading and harmful. I am seeking the removal or accurate updating of these accounts to reflect their true status.

I hope this description helps others who may face similar issues and encourages companies to comply with their legal obligations under the FCRA
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

School Closed Student Loans Was Taken Off My Credit Report And Then Put Back By Another Company. Its Been On My Credit Report Since XXXX. It Needs To Become Deleted From Good.
Product: Credit reporting or other personal consumer reports

this was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living, and to my family!
Product: Credit reporting or other personal consumer reports

Frankly XXXXXXXX XXXX Dear CFPB, Please see attached files For months I have submitted complaints to XXXXExperian regarding fraudulent items on my credit report and for months they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXX/Experian keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed in the attached documents to be removed immediately. I look forward to your response.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX MEDICAL XXXX Balance Owed : {$1100.00} XXXX XXXX  XXXX Balance Owed : {$76.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX  XXXX XXXX Balance Owed : {$330.00} 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: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year>XXXX  It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX - XXXX - {$19000.00} XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.
Product: Vehicle loan or lease

There are two parties on the loan account for a XXXX XXXX XXXX financed through Gateway. We have tried to be refinanced, but the bank refuses to do refinancing and we are now subject soon to repo. The primary person is not the owner of the actual vehicle, but the co signer is. The way the car dealership got us approved was by placing XXXX XXXX as the cosigner, instead of the primary. 

XXXX XXXX is currently and has been actively on SSI XXXX. Due to the high monthly note, we have had to already extend our contract by two months. We have also received numerous calls. We have been told that if we don't secure payments, we would be subject again to repo prior to even the dates of when a repo can actually start to take place. We tried the other day to cancel a secure payment ( which we were forced to do as they said we have no other option, and would be up for repo if we didn't " secure '' a pre planned payment ) because of health issues that just came up, and in fact we almost couldn't afford to pay rent this month. But, they have once again refused. 

We can't afford to have no vehicle as well as a repo. Please help. We have tried trades, selling privately, refinances, etc. We have even tried to apply to transfer debt to credit card and got denied. 

Also, ever since we got the vehicle we have had concerns on the loan due to the numbers seeming to not be correct, but the dealership and bank said they are ... but .... please see.The loan even includes a XXXX trade POSITIVE equity. 

The dealership said the bank and them were fine with us heading out after the deal and we could just show insurance proof later on, also.