23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Late Payments and Correction of Reported Balance - Account Number XXXX Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to bring to your attention discrepancies related to my XXXX XXXX account with the account number XXXX. The occurrences in question occurred in XX/XX/XXXX and XX/XX/XXXX, impacting all three major credit profiles- XXXX, EQUIFAX, and XXXX. 

In adherence to pertinent federal laws and regulations, I am seeking the removal of late payments and correction of reported balance based on the following provisions : 15 U.S. Code 1681a - Definitions : This section emphasizes the importance of accurate and fair information reporting to credit bureaus. 

15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : Outlining permissible purposes for accessing consumer reports, stressing the necessity of accurate and up-to-date information. 

Privacy Act of 1974 ( 5 U.S. Code 552a ) : This Act ensures the proper handling of personal information by federal agencies, promoting transparency and fairness in data usage.

15 USC 6802 ( b ) ( c ) - Protection of Nonpublic Personal Information : Establishing safeguards for the protection of nonpublic personal information, underscoring the significance of privacy and security in financial transactions. 

12 CFR 1016.7 - Accuracy of Information Furnished to Consumer Reporting Agencies : This regulation sets forth requirements for the accuracy and integrity of information provided to consumer reporting agencies.

15 U.S. Code 1666b - Timing of Payments : This section highlights the timing of payments, reinforcing the need for accurate reporting in relation to payment schedules. 

Furthermore, I have identified a balance inaccuracy being reported as {$19000.00}, whereas the correct balance of this account is {$18000.00}. I kindly request that this discrepancy be rectified promptly to ensure the accuracy of my credit information. 

Enclosed with this letter, you will find supporting documentation, including proof of timely payments during the specified months and evidence of the correct account balance. I appreciate your thorough investigation into these matters and request that you keep me informed of the outcomes. 

Thank you for your attention and assistance in resolving these issues.
Product: Checking or savings account

Well I was trying to get money for housing at XXXX and I was using an app called XXXX and I wasn't aware that I was receiving fake checks from a person because it was my first time doing it and I thought they were real. I thought the person worked for a legit company and didn't know the person was a fraudster. The person 's name was XXXX and it occured all the way back in XXXX. He stole up to XXXX of money that I had but I got half the money back during the situation. The actions I took were I tried telling the bank that I didn't know those were fake checks and now what I am doing is I am trying to do a police report about this person because I really do not like telling on other people but this effected me really bad and how he stole my money without having any consequences to his actions, and my bank account got closed know I have to use a different one. All I just want to do is get my money back because now since I am aware of these scams other people tried to do the same things to me but I turned it into the bank because at the time I didn't know and I was trying to get fast cash which brought me into this predicament.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXXXXXX XXXX XXXX  due to inaccurate information being reported and not reporting the same information as XXXX and XXXX. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company experian. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house and car. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

the delay in recording the trustees sale is a manipulation of how their items is reporting to the credit bureaus and is a violation of the FTCs Fair Credit Reporting Act guidelines as this is not reporting to your credit fairly or accurately.
Product: Student loan

I have tried to work with XXXX XXXX for years but they keep putting me in forbearance and now my loan has gone from {$60000.00} to over {$200000.00}. 

I don't know what to do.
Product: Mortgage

This is the third time I've had problems with this company trying to keep the money the state has given me to help me during these trying times. I have filed a complaint before which is the only reason they didn't steal all my money the first time, which by the way they still didn't apply the money how it was suppose to be applied. The money from the state is to pay my mortgage payments, they took half of it and applied it to my principal which isn't what it was put there for. It was to pay 12 months of my mortgage but they only applied it to six and then took the other six months and applied it to the principle. Now the state has sent more money to help and the mortgage company is trying to keep this money. I really need this help. I hate to see the people who don't know how to stand up being taken advantage of. What they are doing is wrong. This money is to help people like me who need the help, not for the mortgage company to try and pocket. They make people jump through hoops to get the money applied to where it is suppose to be applied hoping we fall short so they can keep it. The money was sent to help me and pay my mortgage. The money is sent to take care of my mortgage payments, not for them to apply to my principal which does not help me because it's a 30 year loan. It's to help me now, not for the mortgage company to decide to keep it
Product: Credit card

On Wednesday, XX/XX/XXXX, I received a letter in the mail purporting to be from Capital One. The letter was addressed to my home address with the correct first name but the incorrect last name. The letter said Capital One needed more documentation to complete my credit card application, but I have never applied for a Capital One credit card. 

The letter included a phone number : XXXX. 

It also included a mailing address where I was asked to send my information : Capital One XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I did not call the number or send anything to the XXXX XXXX listed on the letter. I called Capital One at a customer service number listed on their website : XXXX. The agent confirmed there was no application made using my name or social security number. I also gave her the Application ID number listed in the letter, and she confirmed there was no such application, so the letter I received was fraudulent.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I purchased {$98.00} of cryptocurrency from Coinbase and used my visa debit for payment. The transaction was successful however I noticed the next day they charged me {$98.00} twice but only credited my coinbase account with {$98.00}. After speaking to my bank they said in 10 days the extra charge would likely be returned. On XX/XX/XXXX it was returned, however this morning XXXX XX/XX/XXXX ) another charge for {$98.00} hit my bank account. This is an unauthorized tranasaction and I haven't received any funds in my coinbase account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please update this account : XXXX XXXX XXXX Balance Owed : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several letters disputing a couple of accounts that I have one was with XXXX XXXX in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX and the other with XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX. 
With XXXX XXXX I called them and due to me losing my job I was not able to make the payment on time and asked for a deferment which they agreed to and said they would not report me late. The other was with XXXX XXXX and due to covid was also not able to make the payment and I called them and requested a deferment and they also had agreed and they have both reported me late. 
I know about the CARES Act and want to see if you can help me with getting this resolved. 


Section 4021 of the CARES Act amends the Fair Credit Report Act ( FCRA ) to address coronavirus-related accommodations made by furnishers. New FCRA 623 ( a ) ( 1 ) ( F ) requires a furnisher making a COVID-19 related accommodation on a consumer 's loan account to report the account as current unless the account was delinquent prior to the accommodation.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 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 ) ( 1 ) 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 or other personal consumer reports

I found out that there are in my credit 2 auto loan accounts that are affecting my credit scores and I need those accounts to be removed from my personal information as soon as possible since those accounts are not mine. I have been victim of identity theft. 
This situation is giving me hard times in my job and daily life. 

US BANK XXXX -- XXXX This account is reporting in XXXX and XXXX. 
XXXX XXXX XXXX XXXX -- > This account is reporting in XXXX only.
Product: Vehicle loan or lease

I have contacted them through their website I have heavily negative impact towards my credit score on XXXX months of missed payments even though I been paying ahead since start of the loan and have proof of all charges and money coming out of my account Also including they are fraudulently increasing my loan bit by bit making it impossible to pay off
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX - Capitol One Auto - Account # XXXX XXXX - Capitol One Auto - Account # XXXX XXXX - Capitol One Auto - Account # XXXX XXXX - Capitol One - Account # XXXX XXXX  - Capitol One - Account # - XXXX XXXX - Capitol One - Account # - XXXX XXXX  - Capitol One - Account # - XXXX XXXX  - Capitol One - Account # - XXXX XXXX  - Capitol One - Account # - XXXX XXXX  - Capitol One - Account # - XXXX XXXX  - XXXX XXXX XXXX  - Account # - XXXX XXXX - XXXX XXXX XXXX  - Account # - XXXX XXXX  - XXXX XXXX XXXX  - Account # - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting Act XXXX XXXX XXXXXXXX XXXX with account number XXXX has violated my right to privacy. 15USC 1681 Section 602A State that I have a right to privacy. 15USC 1681 Section 604A Section 2. Also state a person or consumer reporting agency can not furnish an account without a written instructions.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 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: Credit reporting or other personal consumer reports

I recently disputed inaccurate information on my credit report concerning XXXX XXXX account. This appears to be a result of my information being exposed in a data breach. Recent findings from the CFPB have brought to light that Experian fails to conduct proper investigations and by law is required to remove inaccurate information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX To Whom It May Concern : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. 
Examples : XXXX I did not authorize this inquiry Company Information : XXXX XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX  XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX. The following inquiry is more than XXXX years old, and I would like it removed I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. Please note that you have XXXX days to complete this investigation. 
XXXX XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL, XXXX
Product: Mortgage

I bought my house in XXXX for {$99000.00}. I put {$10000.00} down and financed {$89000.00} for XXXX yrs. As of XX/XX/XXXX I have been paying on it for XXXX yrs and my principal as of today is {$81000.00}. I should have like XXXX yrs left on paying for it. Ive brought this problem to a lawyer about XXXX yrs ago and they told me that mortgage companies can do what they want. Ive asked the mortgage company and they told me to pay an extra {$1000.00} on it every month to get it paid for quicker, but they never answered my question to why only {$8000.00} has been paid on my balance over the last XXXX yrs and XXXX  months. My monthly payments have been any where from {$800.00} to {$1100.00} a month over the course of the XXXX. When I brought this up to the mortgage company prior to NewRez they switched me over to NewRez and that other company then went bankrupt. I hope you can help me find out to why I dont have my house almost paid for. 
Thank you XXXX XXXX
Product: Mortgage

My reverse Mortgage is being processed by Carrington Mortgage Services , LLC . I logged onto my account and uploaded a completed Borrower Information for Servicing document to change the bank account that funds are to be dispersed to on XX/XX/2023. The form indicated that the upload was successful. Carrington insists that they didn't receive the form. They suggested that I mail the form electronically or via US Mail. Neither of these forms of transmission are secure, and are unacceptable. There are no documents available for upload that do not contain sensitive information.
Product: Debt collection

In XX/XX/XXXX XXXX XXXX XXXX provided services to XXXX XXXX. She is my daughter, BUT I have absolutely NO Custodial rights to her at all! Her mom did and she signed those over to my mother, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, NH, in XXXX of XXXX. I have had little to no contact with them for years. We do not talk, even more so now since this issue. XXXX was here on vacation visiting when we had to call for services. I called my mom prior to XXXX and she said to call them, which means she authorized the charges, not me! When the XXXX  was called, I gave them all of XXXX 's medical cards and insurance information. That information included all of her legal guardians contact information. Everything was billed properly except the ambulance bill. They said they tried billing NH Medicaid, which is what she had, and they denied payment because it was out of state. They then called her legal guardian, XXXX XXXX, to which they left numerous messages and got no returned call. After they got no where with her, they took it upon themselves to bill me, as my house was where the call was from and we had the same last name. When I spoke to the company, the manager was very misogynistic and said I needed to man up and pay the bill. They said they tried calling every number in NH and no one would call them back. That's why I'm being billed. That's not how the law works! But they refuse to remove this bill from my credit report. It is fraud, they admitted it was fraud and they still confirm the account when disputed through all credit bureaus. I need this account removed Immediately. Thank you!
Product: Credit reporting or other personal consumer reports

I am so confused because how did I go from having credit scores that have given me opportunities and opened doors for so many applications for me but now I can no longer do that because I am hindered by the fact that inaccurate information has been reported in my credit report without the company verifying if everything is checked with 100 % accuracy. This is so disappointing!
Product: Debt collection

Dear to whom it may concern : I recently pulled up my XXXX and XXXX credit report and your company is attempting to collect a debt. 

Original Creditor : XXXX XXXX Account Number : XXXX Amount : {$5600.00} Under 15 USC 1692cc : ( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( 1 ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( 2 ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or ( 3 ) where applicable, to notify theconsumerthat thedebtcollector orcreditorintends to invoke a specified remedy. 
If such notice from theconsumeris made by mail, notification shall be complete upon receipt. 

Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hindered my ability to obtain credit.It has also damaged my mode of living, my character, and much more. 

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below. 

Im giving your company 10 days to respond to this matter. Failure to respond to this matter will result in legal actions pursued against your company. 

I demand that the following account be validated or DELETED immediately : Account Number : XXXX Best Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent XXXX a certified mail letter requesting that my personal information be corrected. I have reached out to XXXX several times requesting that my personal information be corrected, in which I have yet to receive a response. 
XXXX is in violation of my rights as a Federally Protected Consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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 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 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 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