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

Account was in dispute and Bread Financial incorrectly states the account is 90 days past due. 
Per Bread financials credit card agreement " we can not report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. '' Bread Financial has erroneously and willfully reported false information to the credit bureaus Bread Financial has willfully violated the FCRA and refuses to correct the issues.
Product: Credit reporting or other personal consumer reports

his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 credit card account opened at XXXX  XXXX XXXX opened on XX/XX/XXXX with a balance of {$700.00} under the account number unknown, XXXX  XXXX with a total balance of {$1600.00} opened on XX/XX/XXXX under the account number XXXX, XXXX XXXX  with a total balance of {$950.00} open on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX under the account number XXXX with, a XXXX  loan account with XXXX XXXX XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

MOHELA, servicing federal student loan holders, are very difficult to get a hold of and do not respond to requests within a reasonable time frame. 

I submitted a form required by my employer to get reimbursed for payments made over the last year ( XXXX XXXX XXXX XXXX ), which simply requires a signature to verify these payments. The form specifies a return timeframe of XXXX business days. I submitted this form over two weeks ago and it no longer even appears in my " submitted forms '' outbox. I resubmitted this form but have not been able to get in contact with MOHELA regarding the original form or to request it be expedited. 

The wait time to speak with a customer service rep was XXXX hour and XXXX minutes on Tuesday XXXX. The wait time to speak with someone today ( Fri XXXX ) was XXXX hour and XXXX minutes when I called in the morning and never received a call back despite requesting a call when presented with that option ( versus waiting on hold ). When I called back again, the wait time to speak with someone was over XXXX hours.
Product: Debt collection

I feel third-party debt collector Midwest Recovery Systems ( MRS ) is currently violating state and federal laws when reporting accounts to the credit bureaus. When MRS purchases old debts from an original creditor they never contact the consumer, neither 30 days prior to reporting it or 30 days after reporting it. They are in the business of reporting fraudulent or erroneous information to the credit bureaus with the intent to deceive consumers for financial gain. MRS has a history of reporting old accounts, outdated accounts, fraudulent accounts and inaccurate accounts to the three major credit bureaus without validation. When reporting these accounts they knowingly report invalidated accounts, inaccurate balances, erroneous open dates ( to re-age accounts ) to keep the accounts on credit reports longer and different address to avoid consumers complaints. Also, when you dispute their claim through the three major credit bureaus, they update your account with a blanket statement that it complies with the FCRA and age the account to include missed payments. 

Currently reported the following : XXXX ( credit report dated XX/XX/2018 ) Account name : XXXX XXXX Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/2018 Account Status : open Bal : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX ( invalid number ) XXXX ( credit report dated XX/XX/2018 ) Account name : Midwest Recovery Systems Original Creditor : XXXX Date Opened : XX/XX/2018 Account Status : closed Bal : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( credit report dated XX/XX/2018 has no collection account from Midwest Recovery Sys or XXXX ) ( Credit report dated XX/XX/2018 contains the following information ) Account name : Midwest Recovery Systems Original Creditor : XXXX Date Opened : XX/XX/2018 Account Status : closed Status Updated : XX/XX/2018 Bal : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX *MRS did not report to XXXX until XX/XX/2018 after I filed a XXXX complaint on XX/XX/2018. With a balance date or XXXX *MRS flagged my account on XX/XX/2018 as collections, with a balance date of XXXX *Updated XX/XX/2018 as FB ( failed to pay ) As you can see that this company has a habit of providing erroneous and conflicting reports to the different credit bureaus in an attempt to deceive for financial gain. I never opened an account with MRS or XXXX in XX/XX/2018 as they have reported. I find it odd that they never contacted me or sent any correspondence concerning his supposed debt. I also find it disturbing that they would report different information to the bureaus as well as continue to provide misleading and erroneous information while my dispute is being investigated. 

Spoke with XXXX XXXX of MRS XX/XX/2018 and she refused to discuss the supposed debt because I wouldnt provide my social security number or date of birth. I did not feel comfortable providing this information seeing that they have been very deceptive in their practices. 

At this point I feel I have no other option than to hire legal representation to resolve this.
Product: Credit reporting or other personal consumer reports

The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation of my rights to be penalized with double jeopardy. Because of this, Account XXXX : XXXX XXXX ACCOUNT # : XXXX need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to vou. This information is inaccurate, incomplete and can not be verified. This is my right per the Fair Credit Reporting Act to request this ( FCRA ). ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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. I'm asking that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report in 15 days. 

Please delete immediately. When the requested above deletions are made, please mail me an updated copy of my credit report : Account XXXX : XXXX XXXX XXXX ACCOUNT # XXXX Account XXXX : XXXX XXXX ACCOUNT # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$470.00} Status Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$7600.00} XXXX Account charged off. {$7600.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$800.00} XXXX Account charged off. 

FCRA violations : payments never late XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open.
Product: Credit card or prepaid card

I just noticed some charges racked up on my credit card which i did not make. I contacted the customer care as soon as i noticed. I did not use the cards so apparently my cards were stolen. The charges should be around {$38000.00} to {$39000.00} if not more. I want this resolved as soon as possible and i want my money back since i did not spend it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a complaint against Experian, due to the fact that when I went to annualreport.com to request my consumer report and they denied me access to the information they have stored on me. The message that I subsequently received was that I needed to contact them. I filed complaint # : XXXX, in which I requested that my consumer " File ''. Keep in mind, I specified that I wanted my File, not that standard report they send to consumers all the time but my actual File. I think they intentionally did not upload the files in their response because they never intended on sending me what I clearly requested. Several weeks after I filed the complaint, received a basic consumer report via the postal service. On XX/XX/XXXX, I sent them a letter ( see attached ) explaining exactly what I wanted and the laws to support my request. As of date, I have not received a response. Therefore, I am submitting another complaint, seeking assistance in retrieving my File from Experian. I want to see and know all the information that Experian has stored on me. I know there is statutorily a difference between a consumer report and the consumer 's File. And I am requesting my FILE.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my DPT ED/XXXX XXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

I have Identity XXXX I never open that account please petrify this information but I also I went back XXXX  on 2014 thank you very much for help me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. The reporting bureaus with the exception of XXXX did not delete these charge offs/write offs as by law were expected they just waitedXXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX  ; I want these charge offs/write offs deleted from my credit reports ASAP.
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 XX/XX/XXXX Transunion - XXXX XX/XX/XXXX Transunion
Product: Mortgage

I worked with XXXX and XXXX with USAA to get a 30 year fixed rate mortgage. They were able to walk me through the process, but at the end charged me an additional {$760.00} to waive escrow even though I had conversations with both XXXX and XXXX both via email and phone that I did not wish to waive escrow upon finding that there was a fee to waive escrow. I was assured it would be taken care of by closing day, but it never was. On closing day they said they could " try '' to help me, but in doing so they would further delay the process, which could cost me the loan and I'd have to restart the entire process. They claim that I never told them anything about this, but I have a call recording from XX/XX/XXXX and an email from XX/XX/XXXX showing that I clearly did not wish to waive these fees. 

I was also pushed into further debt by the recommendations from XXXX telling me that there was no way they could possibly close by XX/XX/XXXX and that I should secure another month in my rental home in Georgia as to not become homeless. I was then told by XXXX on a later date that I must move into the house on XX/XX/XXXX to secure the loan, putting me out by {$1300.00}. 

My third complaint, which I was advised by my Agent is that they never told me how much closing costs were going to be. I called and left many voicemails and sent numerous emails and they kept stating they would let me know closer to time, but even as I sat at the closing table, I had not received any final word from USAA to tell me how much I needed for a downpayment, and I'm told that they must legally do so within 3 days of closing. While this didn't necessarily hurt me, there are many people that this would have caused significant hardships to - especially if the final price was higher than the estimated price. 

Additional documentation and phones calls can be produced as needed.
Product: Mortgage

Charging escrow. XXXX. outstanding late charge. Never late on payment. Assessed expanses. XXXX. I made a double payment. Not extra escrow. But the recorded it like that. And the addmited they made a mistake. But never corrected all of it. They even reported me to credit. Please help me. They will not talk to me. I don't speak asain. They purchased this loan. I would never use them. Thanks. XXXX XXXX
Product: Credit reporting or other personal consumer reports

there is information on my consumer report that is a result of identity theft. i did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. the identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on a basis of material misrepresentation of fact. I AM IN FACT, REQUESTING THIS BLOCK ON BEHALF OF MYSELF. Experian, XXXX, and XXXX refuse to abide by FCRA regulations on multiple attempts. they continue the reporting of fraudulent accounts on my consumer report. attached is more proof that the investigation they claim to have made is in fact false as these companies report different days, amounts, types of accounts, some report open as others report closed. this is all FRAUD and the reporting agencies have done nothin g to protect my consumer rights. making them civilly and criminally liable for all the damages i have been through these past few months.DO NOT ATTEMPT TO DELAY THIS 60 DAYS. THIS BLOCK MUST BE DONE WITHIN 4 DAYS OF THIS NOTICE, PURSUANT TO 15 USC 1681C-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the XXXX and Equifax credit bureau doesn't care at all that I want to dispute unauthorized inquiries that reporting on my credit report. Since this is a strict violation of FCRA laws I need the inquiries removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Folks that are set up with automatic payments with Capital One is still being charged late fees on their accounts I've spoken with three family members and my wife and I also. We went back through our statements till XXXX and found it every month they hit us for {$40.00} and {$28.00} on an additional card through Capital One these are accounts that are set up for automatic payments. Automatic payments are supposed to prevent late fees I wonder how long they've been getting away with it called them they would only reimburse last month 's charge. They would not reimburse the other ones that we brought to their attention on our statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint to prove this company is reporting inaccurate information to consumer reporting agencies and violation federal laws This is the account name, number and how much be allegedly charged off. 

XXXX XXXX XXXX {$460.00} This company, XXXX XXXX is reporting a false charge-off status about this account. Theyve openly admitted that there were no 1099c form filed for this debt, they said This account has not issued a 1099c form '' XXXX  XXXX is reporting this debt as a charge off but saying this debt is not cancelled/forgiven and wont file a 1099-c form for it but according to the IRS, those things must had happened to legally make this account a charge-off. So, if these steps were not followed by XXXX  XXXX to make this account a charge off by federal law standards, then what is this account? 

According to The IRS publication 4681, It Clearly defines a charge off as Gross or Ordinary income. 

According to XXXX law dictionary XXXX edition a charge off is defined as anything manifesting intent to eliminate an item from assets if nothing on this account has been and not going to be eliminate on their end then how this company reporting it as charge off?? 

In order for an account to be a charge off, something must happen first. If XXXX  XXXX has not charged the debt off on their own taxes, wont wrote the account off on their taxes and can not provide a 1099-c form, then it can not be a labeled as a charge off account.

This company made up their own rules about what charge offs and willfully ignoring federal laws and definitions. Everything the FCRA have in place to protect me as a consumer is violated. You can not report an account in a status that it is not. This account isnt a charge off! 

XXXX XXXX is aware of their inaccurate reporting and has violated federal law 15 U.S code 1681s-2 I notified them in writing TWO times about the inaccurate reporting and under the prohibition section of FCRA this item must be deleted from my consumer reports. 

ATTACHED IS XXXX  XXXX STATEMENT SAYING THEY DO NOT HAVE A CHARGE OR NOR SIGNATURE FOR THIS DEBT
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the erroneous information listed on my credit report regarding two late payments with XXXX  XXXX and unauthorized hard inquiries made by XXXX XXXX, Navy Federal, Destiny, and Informative. These inaccuracies are clear violations of my rights under federal law, and I demand immediate correction resulting in the immediate removal from my credit report Late Payments XXXX  XXXX : According to my records, I did not miss any payments on my account. The two late payments reported are false and must be removed from my credit report immediately. I am invoking my rights under 15 USC 1581, which guarantees my right to privacy and accuracy in the reporting of my personal financial information.

Hard Inquiries XXXX XXXX Navy Federal, XXXX, and XXXX  : These inquiries were made without my authorization or knowledge. I suspect this is a res
ult of a data breach, as outlined under the Fair Credit Reporting Act ( FCRA ) section 605B which requires the immediate removal of any fraudulent or inaccurate information upon notice.

Violation of 15 USC 1581 As stated under 15 USC 1581, my right to privacy has been violated by the unauthorized access to my personal credit file without my explicit consent. These inquiries must be removed immediately to avoid further legal consequences.

In light of these legal protections, I demand that : 1. The two late payments with XXXX XXXX be deleted from my credit report immediately. 
2. The hard inquiries from XXXX XXXX, Navy Federal, XXXX, and XXXX  be removed from my credit file without delay.
Product: Student loan

The student loan servicer is failing to correct a long standing problem that I have repeatedly contacted them about. I am not receiving paperless notifications as they continue to reject my email address in their system. Every time I login I have to re-enter my email address and this causes my paperless notifications to stop until I re-enroll. The company makes it difficult to speak to a supervisor. Repeated phone calls have gone unresolved.
Product: Mortgage

As part of closing a real estate sale, the consumer highly relies on us to handle the process of clear the title. In doing so, we need to get written payoff statement to payoff the mortgage XXXX on the property. This ensures the buyer gets a clear title, as the seller is contractually bound to do. Citizens Bank is THE ONLY bank who WILL NOT provide the title company with a written payoff statement. This causes a delay every time, every time! that we are trying to close a consumers home. We send written authorization wherein the consumer is authorizing and requesting to provide the title company with a payoff statement, and they refuse to do so. This is causing harm to the consumers ( buyers and sellers ) with
Product: Mortgage

I have been in the short sale process for ALMOST 16 MONTHS now. The property is located XXXX XXXX XXXX XXXX, XXXX XXXX Connecticut XXXX. 
Mr. Cooper is a shittiest company. It's HORRIBLE customer service, I have a buyer who is able to meet their the value of the home. A buyer made a full offer and Mr. Cooper has not been looking at my short sale package and let my file sitting there for over 4 months. It's horrible to get Mr. Cooper response and issue an approval short sale. I already lost one buyer due to their nonresponse. Mr. Cooper has been really hard to deal with short sale/forclousure. Mr. Coooper executives, management and shareholders shoule be fired? sitting in the office get paid check and doing nothing but check email 1 a week. Even if they check email they still didn't response. Department justice should step in and get them pay for the price. No one should have mortgage with Mr. Cooper.