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

I created an online account with XXXX XXXX / XXXX XXXX. The sign-up process requires that you share your social security number with them. I initiated an online chat conversation with a customer service representative to inquire about the firm 's underwriting standards ( loan-to-value ratios and required down payments ) for single-family investment properties. I explicitly stated during this conversation that I was not applying for a mortgage with XXXX XXXX and I did not want my credit score pulled. Within the week, my credit score had been hard pulled by XXXX XXXX twice explicitly without my consent.
Product: Mortgage

On XX/XX/2018 I sent my mortgage holder, Caliber Home Loans Inc. XXXX. XXXX XXXX XXXX, TX XXXX a check for {$4000.00} to cover my normal monthly payment and extra on principle. On XX/XX/2018 the check cleared my bank but was never credited to my account. According to the back of the cleared check it appears that it was Cashed by XXXX XXXX XXXX. The back of the check said " CR PAYEE ACCT LACK END XXXX XXXX  XXXX XXXX ''. I understand that it means it was credited to Caliber Home Loans account with lack of endorsement, guaranteed. Caliber claims they have no record of it. Around XX/XX/XXXX I was finally able to talk to someone from the home loan department at XXXX  XXXX XXXX who directed me to send my information to XXXX  XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. Which I did and after 3 months have heard nothing. 
In XX/XX/2018 Caliber Home Loans started charging extra to make payments on line. I made the XXXX payment by check, they received it but did not apply it as I requested. The XXXX payment was made by phone, which they miss applied. It appears they are trying to force payments to be made on line.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation within 15 days of receiving a consumer dispute. 

I recently reviewed my credit report and noticed inaccurate reporting of late payments on the following account : Account in Question : XXXX XXXX XXXX 

Account # : XXXX Date Opened : XX/XX/2022 Balance : {$7100.00} Status : Open, Current Issue : Three incorrectly reported late payments despite being paid on time. 

Violations and Discrepancies : Failure to Maintain Accuracy : The reported late payments contradict my actual payment history. Per 15 U.S.C. 1681e ( b ), credit bureaus must ensure maximum possible accuracy in consumer reports.

Failure to Conduct a Reasonable Investigation : Under 15 U.S.C. 1681i, credit bureaus must investigate disputed items. I request a full explanation of the verification process used to confirm the alleged late payments.

Violation of 15 U.S.C. 1681s-2 : Furnishers of information must report accurately. Reporting late payments where none exist is a violation of federal law. 

Failure to Provide Investigation Details : Credit reporting agencies must provide a description of their investigation methods upon request. I expect a full breakdown of how this account was verified and what documentation was used. 

Truth in Lending Act ( TILA ) Violation : According to 15 U.S.C. 1666 ( b ), I request written confirmation of the procedures in place to ensure that periodic statements were mailed at least 21 days before the due date, as required by law. 

Requested Action : Correction of Late Payment Reporting : I demand the immediate correction of my XXXX XXXX XXXX account to reflect a status of Paid As Agreed, Never Late. 

Written Confirmation of Investigation Methods : Provide a description of the procedures used to verify this account and the documentation supporting the alleged late payments. 

Removal of Inaccurate Late Payments : If the late payments can not be verified with original, signed contractual evidence, they must be removed from my report immediately. 

Compliance with FCRA Response Timeline : As required by law, provide a response within 30 days from the receipt of this dispute letter. 

Failure to address this matter promptly will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and possible legal action. Your cooperation in ensuring the accuracy of my credit report is both expected and required under federal law.
Product: Debt collection

Subject : Cease and Desist Request Regarding Debt Co, LLC Account Ending in XXXX XXXX XXXX XXXX XXXX Dear CFPB Representative, I am writing to formally request your assistance in addressing an issue with Debt Co, LLC regarding an account originally associated with XXXX.

Account Details : Collection Agency : Debt Co, LLC Original Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Status : UNPAID Creditor Classification : PERSONAL_SERVICES Original Amount Owed : {$1100.00} Current Balance : {$1100.00} Date Assigned : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Status Date : XX/XX/XXXX Account Designator : INDIVIDUAL_ACCOUNT This account is currently under dispute, as noted on my credit report : CONSUMER DISPUTES REINVESTIGATION IN PROGRESS. Despite this, Debt Co, LLC continues to report inaccurate information without proper validation or sufficient documentation.

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting the following : 1. Cease and Desist Communication : Debt Co, LLC must immediately cease all communication regarding this account with me.

2. Verification of Debt : Provide documented proof validating the accuracy of this debt, including a complete history of the account and original agreements. 
3. Correction or Deletion : If the debt can not be validated with accurate documentation, it must be removed from my credit report immediately.

Please investigate this matter promptly. Attached is a copy of the relevant credit report information for your reference. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and provide an update on the status of your investigation. 

Sincerely, [ XXXX XXXX ] Enclosure : Screenshot of the Credit Report
Product: Checking or savings account

HELLO I'M HAVING PROBLEMS WITH THE BANK CITI BANK THE DAY XX/XX/2019 A PAYMENT OF {$1000.00} WAS ALLOWED TO THE COMPANY XXXX BUT THE MONEY NEVER RECEIVED THE {$1000.00} DOLLARS ALREADY CALLED MULTIPLE TIMES TO CITI BANK BUSINESS ONLY I CAN ANSWER THAT THEY ALREADY DELIVERED THE MONEY BUT THAT IS LIE XXXX STILL DOES NOT RECEIVE THE PAYMENT THE {$1000.00} WAS PAID TO THIS COMPANY FOR THE FINANCING OF MY VEHICLE THE COMPANY GAVE ME A CHARGE OF {$100.00} FOR LATE PAYMENTS BUT I NEVER PAY LATE IT WAS CITI BANK BUSINESS THAT I DO NOT DELIVER THE FUNDS AND I DO NOT KNOW WHERE THEY WANT THIS COMPANY TO PAY ME ALL CHARGES THAT I GAVE FOR CITIZEN OF CITI BANK ..
Product: Checking or savings account

Wells Fargo XXXX XXXX failed due to over drafting of savings account and is refusing to post direct deposits to the consumer 's account.
Product: Debt collection

Midland funding is sayin I owe almost {$3000.00} but Ive never done any business with them or even heard of them its hurtin my credit Im tryin to buy a house
Product: Credit reporting, credit repair services, or other personal consumer reports

I never established credit ever. I never applied for any credit my whole life. started to learn about credit 6 months ago. I made a XXXX XXXX  and see someone has been using my identity years ago for credit cards. I didn't give anyone access to my personal information. Below are the accounts. 


1 XXXX XXXX XXXX XXXX opened- XXXX XXXX XXXX XXXX 6 yrs, 4 mos XXXX amount {$0.00} 2 XXXX XXXX XXXX opened- XXXX XXXX XXXX XXXX 2 yrs, 5 mos XXXX amount {$280.00} 3 XXXX XXXX XXXX -opened- XXXX XXXX XXXX XXXX 7 mos XXXX amount {$550.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit report and found inaccurate addresses on there
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX  XXXX Balance Owed : {$5700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$210.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights : 1 ) .XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX 2 ). XXXX XXXX Account # XXXX 3. ) XXXX XXXX XXXX Date XXXX XXXXXXXX XXXX 4. ) XXXX XXXX XXXX XX/XX/2022 5. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 6. ) XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX  Rights Violations : 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: Bank account or service

I opened a savings account with B of A MANY years ago to compliment the checking account I 've had with them since XX/XX/XXXX. I only opened it upon being assured that there were no monthly fees associated with it. And, indeed, there were none until, beginning XXXX XXXX XXXX, BofA started deducting a $ XXXX/month monthly fee. They never notified me of their intention of doing this, and I only noticed it in XX/XX/XXXX. By then, I had paid XXXX x {$12.00} = {$60.00} in fees. I phoned to complain and ask for a refund, but the agent only offered one {$12.00} fee as refund. To her credit, that agent then also changed my account to another type of savings account where there are ( apparently ) no monthly fees in the future. 

I consider deducting funds from my account without a pre-notification to be tantamount to theft. If I had been notified, I would have closed the account, or changed to the type of account without fees. 

I escalated my complaint to XXXX XXXX, an " Escalation Manager '' who said that I " probably '' must have been pre-informed, and there was nothing he would do to repay the {$45.00} that BofA by then had seized and not repaid. He could not demonstrate to me that I had been pre-notified - only his opinion that " it must have happened ''. He would not give me the telephone number of his manager, XXXX XXXX, for me to escalate further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see company response as said facts : Based upon the supporting documentation XXXX XXXX provided in his fourth complaint with your office, XXXX XXXX XXXX disputes the address and drivers license state associated with the claim dated XX/XX/2013 listed on his XXXX XXXX Auto report. Please be aware that the drivers license listed on a claim refers to the drivers license number at the time the claim was made. In an effort to resolve XXXX XXXX concerns, LexisNexis initiated a new dispute of the claim mentioned above. During the investigation, XXXX XXXX XXXX confirmed that the address for the reported claim XXXX XXXX XXXX, XXXX XXXX, XXXX is accurately associated with both XXXX XXXX and with the claim in question. Further, while XXXX XXXX has indeed provided a copy of his current XXXX XXXX State drivers license, XXXX XXXX XXXX confirmed that XXXX XXXX previously resided in XXXX XXXX and insured a XXXX XXXX on a policy they underwrote at the time of the claim in question. Given this verification, LexisNexis is unable to remove the claim in question from XXXX XXXX XXXX XXXX Auto report. If XXXX XXXX has any further questions for LexisNexis, please have him contact the LexisNexis XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  accounts shown has violated my rights. 
15 use 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 
15 usc 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as a late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to each TransUnion, XXXX, and XXXX on multiple different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/2021 and XX/XX/2021. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 90 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Product: Debt collection

On XX/XX/2016 I went to the doctor for a XXXX. The doctor XXXX. One of those XXXX caused a bill for {$93.00}. I paid the bill a week after receiving it through mail, on XX/XX/2016. I 'm attaching the check that I sent to the company and that was cashed by the company on XXXX. Surprisingly, since XX/XX/XXXX I 've been reported every single month past due, including XX/XX/XXXX, month which the bill was incurred!!!! I would like the trade line deleted and a confirmation letter from the company that such action has been taken and communicated to all XXXX credit reporting agencies. Thanks.
Product: Debt or credit management

The week of XX/XX/XXXX and XX/XX/XXXX I called repeatedly to try to handle my debt with midland credit management thru XXXX XXXX XXXX XXXX firm in XXXX on XXXX XXXX XXXX. They refused to show me the debt. The lady who answers the phone told me that she didnt have to show me the debt and I could see it out in XXXX XXXX XXXX court. I know thats not true so I asked to speak with a supervisor. I had to wait a week to speak with him and by that time they went ahead and filed it in the courts without showing me the proof and allowing me to dispute.
Product: Credit card

Capital One/XXXX is reporting derogatory and inaccurate information on my XXXX and XXXX Credit Report. This credit item was listed on my Chapter XXXX Bankruptcy filing dated XXXX/XXXX/2013 and discharged. Please see attached filing.
Product: Mortgage

I contacted CFPB two years ago about how Bayview is extorting me every month. For 2 years they contact Bayveiw that, regardless of documentation and facts, says 'no we 're not ' and this useless agency CFPB sends me a copy of this jibberish response as if they added some value by copying and sending to me. CFPB has proven to be useless, ineffective and a monkey with a copy machine could serve me better for all CFPB does or cares. 

XXXX XXXX
Product: Mortgage

I applied for assistance in saving my home with my servicer, SPS. I hired an attorney to help me submit my paperwork to my lender. My attorney confirmed SPS received my full and complete application and all financials and that my loan was under an active review for loss mitigation ( Loan Modification ) as of XXXX/XXXX/2016. My attorney again spoke with SPS on XXXX/XXXX/2016 and confirmed my loan was still under an active review. I was previously denied for a loan modification and my appeal was closed on XXXX/XXXX/2016, however SPS told my attorney that another review was open and they were working on it starting immediately after my last application and appeal were denied on XXXX/XXXX/2016. On XXXX/XXXX/2016 my attorney spoke with SPS and confirmed my loan has been under an active review without pause since XXXX/XXXX/2016 and is still currently under review and awaiting a decision. My complaint is that SPS via XXXX XXXX XXXX, recorded a Notice of Default against my home on XXXX/XXXX/2016??? According to my attorney : RESPA Reg x ( 1024.41 ) states no foreclosure action shall be ordered while a homeowner is under an active review for loss mitigation assistance. It appears SPS allowed XXXX XXXX XXXX to order ( start ) foreclosure against me while I am under an active review ( DUAL TRACKING ), my foreclosure process. Another complaint I have is that they have had my application with everything they would need to make a decision since XXXX 2016. They keep stalling, evading making a decision in order to dual track my foreclosure process and then leave me with no alternative once my time runs out and I am foreclosed. I am told they are required by RESPA to make a decision in 30 days or less. Instead they are making up excuses and dual tracking me and after XXXX/XXXX/2016, THIS MONTH, I will face a Notice of Sale. I feel this is not only wrong, but something the DUAL Tracking laws and RESPS Reg X was supposed to protect me from. My attorney states SPS acts as a co-conspirator for the investor of my loan in evading, stalling and dual tracking me PURPOSELY in order to block me from getting help before it 's too late. PLEASE STOP this very bad servicer from hurting me and everyone else they do this to. It 's unethical and apparently illegal!
Product: Debt collection

XXXX XXXX XXXX Asked to stop all contact with me. I am still getting phone calls and mail. Also reporting to all XXXX credit agencies without my permission. 
USC 1692 C ( C ) All communications must be ceased.

FCRa section 6o5b No permission was was giving to put anything on my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan or loans, a credit card or credit cards, and any other accounts from XXXX XXXX XXXX with a balance of {$1200.00}, XXXX XXXX  XXXX with a balance of {$600.00}, XXXX XXXX  XXXX with a balance of {$1700.00}, XXXX XXXX XXXX XXXX  with a balance of {$3900.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

From XXXX until today XX/XX/XXXX and I've called and written by mail and requested all contracts with wet ink signatures between XXXX XXXX  and XXXX XXXX and all account statement for the alleged account that I have with XXXX XXXX. They've failed to produce and now have went so far as to harass me via a debt collection attorney who has my nonpublic information without my permission or consent. XXXX, XXXX and XXXXXXXX XXXX XXXX has opened up a court case in a county court that I do not live in and are tarnishing my name and character via the courts system. They had an address on file in XXXX XXXX XXXX and I never personally gave them this address stating that it was my own. XXXX XXXX sends me mail that says XXXX XXXX XXXX and I do not have any contracts with them either. This has caused mental and emotional pain to my life.
Product: Credit reporting or other personal consumer reports

I previously disputed this account XXXX XXXX Account # XXXX Amount : {$140.00} on XX/XX/2024 ( complaint # XXXX ) due to this account being paid in full, never late and closed. This account was returned as verified. I spoke with the supervisor XXXX XXXX ID # XXXX on XX/XX/2024 at the number XXXX at XXXX and was advised that the credit reporting agencies has not reached out to verify this account or any information pertaining to this account at no point of my disputes. On my consumer report the bureaus are furnishing inaccurate, unverified information which is hurting my score, payment history and overall credit profile causing me to not be eligible for buying a home. They are in violation of 15 U.S. Code 1681a, 15 U.S Code 1666b.
Product: Credit reporting, credit repair services, or other personal consumer reports

Supposedly low income small businesses were eligible to receive up to {$2.00} XXXX Dollars for the XXXX XXXX XXXX XXXX. I have been denied on multiple occasions even after I have sent over emails and had phone calls about the DOD-Frank Wall Street Act.
Product: Credit reporting or other personal consumer reports

Inappropriate use of my credit report EQUIFAX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount - Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent these credit agencies paperwork several times proving that I am making timely payments with my account, a credit card, with XXXX XXXX XXXX XXXX. I have sent them a signed notice from there own lawyer, stating that I am making timely payments, in the amount of $ 325 month, and the balance is now only {$18000.00}. However, after several times challenging this continues to report inaccurate information. They continue to report this as a " charge off '' which is hurting my credit report and has caused me to not be able to qualify for a mortgage. 

****In addition, each time I dispute this account, they practice the illegal practice of " re-aging '' the account ''. In effect, my clock for the XXXX years starts over, and I get a email or alert with a negative mark and it states I have a charge off, that hurts my credit. For instance, this fresh charge off is now updated as of todays date, the most recent dispute closure. 

*****Please stop these illegal practices and delete this XXXX XXXX XXXX XXXX entry from my credit report all together since you are reporting incorrect information.