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

I recently reviewed my credit report and noticed an account that was not reporting accurately. It reported one late payment on an account that was in fact paid on time. According to 15 U.S. Code 1681 e ( b ), by law, whenever a consumer reporting agency prepares a consumer report, it should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The XXXX XXXX XXXX account is reporting late in XX/XX/year>. This account has not been late on payments. I've attached a copy of my report to this complaint. I'm now requesting that you investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified, I demand this payment be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting

After a request to increase my company 's credit limit at the local disposal site, a credit report showed that someone, somewhere has opened a XXXX dollar line of credit to my business. This was not me, it was done without my knowledge, or permission. I have not even been able to get the name or contact information of the person or company that says the line of credit is/was opened. This is not possible, given I have no idea who they may be, nor any way to contact them. Please see attached copy of Experian 's credit report ( note COMMUNICTN o pg. 4 ) that was forwarded to me by the XXXX ( XXXX ), who manages the local waste refuse sites.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. XXXX, Equifax, and XXXX failed to produce an investigative report on XXXX XXXX XXXX aka XXXXXXXX XXXX XXXX aka XXXXXXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Product: Checking or savings account

I had invested XXXXXXXX XXXX in my special savings account for 4,75 % return in about last XXXX of XXXX in Wells Fargo Bank XXXX 
The Fargo Bank never paid me the promised return of 4,75 % ( of the total XXXX $ ). Despite calling the bank month after month and going to the Fargo bank in person numerous times..Always they promised to fix it, But each time I went there I was misled and lie about my return. 
Fargo Bank refused it to pay me my return without any concrete information or reason.

Attached is my Saving account with Fargo Bank. 
Please assist me to get all my return from my investment, from XXXX of XXXX to XX/XX/XXXX XXXX Thank you XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Credit reporting

I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested XXXX, Experian, and XXXX  update my credit reports. So far they have not. I need each bureau to update my account per my attachments. This information can be verified with XXXX XXXX XXXX XXXX who has also verified that no bureau has contracted them about my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

us bank is still reporting accounts XXXX and XXXX to my credit report. This debt is has passed the statue of limitations in texas which is four years. Us bank is violating my rights by continuing to report debt after the statue of limitations has expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, XXXX XXXX XXXX is reporting inaccurate information to my consumer report. They have been using obscene language and is damaging my reputation. They were never supposed to share my nonpublic information without it being clearly and conspicuously disclosed to me that it would be reported to a consumer reporting agency. They never gave me the opportunity pursuant to 15usc1681a ( 2 ) iii.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I believe my rights as a consumer are being violated by XXXX. Specifically, I am trying to purchase my first home. During the mortgage application process, while applying for a home mortgage, I learned that there was a delinquent item from XXXX reported on my credit report. This delinquent item is severely impacting my ability to secure a home mortgage. In addition, even if I am approved for a home mortgage, I will be paying a higher annual percentage rate ( APR ) for my mortgage due to inaccurate reporting by XXXX. My credit profile and my credit scores are being negatively affected and as a result of the erroneous reporting. As such, I demand that XXXX remove this erroneous reporting immediately. 

As a consumer, I take great pride in my credit and realize that the cost of credit is partially based on my credit history and my credit score. I am praying that Consumer Financial Protection Bureau ( CFPB ) take immediate action to cure the injustice to my credit report. 

Please note that I was a longtime customer of XXXX for many years. In XXXX  I moved from my apartment and into a new residence. Upon moving I completed an address change with the United States Postal Service to ensure my personal mail was forwarded to my new address. 

Further, when I moved, I canceled my XXXX plan and moved my cellular phone service to XXXX XXXX XXXX. I received a final bill from XXXX and paid it accordingly. After moving, I had no subsequent communication of any kind from XXXX. Then, approximately 90 days after moving and being on the XXXX XXXX XXXX plan, I received a call from the collection department at XXXX. I was told that I was liable for an early termination fee of approximately {$200.00}. It should be noted that I was not aware of the fee, nor did I ever receive any billing of any kind whatsoever. At the time, I didnt want to fight with XXXX so I paid it. 

However, prior to paying the alleged amount due, I specifically asked XXXX if anything was going to detrimentally affect my credit. XXXX assured me that there would be no reporting of any derogatory items to any of the 3 credit bureaus ( Experian, XXXX, XXXX ). As such, I paid the amount they claimed I owed them. I assumed that the amount was paid in full and the account closed and no derogatory reporting on my credit report. 

Thank you in advance for your review into this matter. I sincerely appreciate your help in resolving this matter. Please do not hesitate to reach me should you have any questions or require any additional information. 

Very truly yours, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Completed deed in lieu of foreclosure in XX/XX/XXXX with Shellpoint Mortgage. Shellpoint never sent me the final documents that the mortgage was closed even though I signed everything and it was notarized on their end. I have called/emailed/faxed for the past 6 months. They confirmed on the phone that my account was paid in full and closed. They advised me to fax my request for documents. I sent the fax twice in the past 4 months. When I called last week, they said my account was still pending to get my documents, even though it has been pending since XX/XX/XXXX. They said the only things I can do is call back every 30 days to get a status. 

In the end, this is affecting me fixing my credit score because it is showing delinquent/defaulted even though it has been paid for 16 months. The customer service from Shellpoint Mortgage is non-existent after they get their money from you.
Product: Credit reporting or other personal consumer reports

I was sent an application for a Discover card and I filled out the application and it stated that it would be checking my credit. It did not state it would take a hard copy of my credit. If it had stated it was going to take a hard copy of my credit I wouldve never applied and disregarded the entire application. I called Discover and she said I have to file a complaint to get this taken off of my credit report. I have worked very hard on my credit and now this happens and it can stay on for over two years. Its just insane. And she said I have to file a complaint to get this I did not know this is what they were going to do. Therefore, I have the right to tell them it is to be taken off of my credit report. I have worked very hard on my credit and now this happens and it can stay on for over two years its just so sad and puts me in a really bad place. As you know many things are not based on who you are. Its what your credit is. I am almost XXXX XXXX XXXX and XXXX. My credit score is my lifeline. I need someone to help me. Please.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report.

this 2 accounts have been on my credit report as long as a can remember - XXXX XXXXXXXX XXXX XXXX XXXX card with account number XXXX which is in good standing no balance owed or due and- XXXX XXXX XXXX XXXX XXXX loan with account number XXXX which is my autoloan account i had paid off and this are the key accounts on my credit then while am in a process of buying a house and have lenders check my account seeing this accounts listed on my report. XXXX week into the process you have this XXXX accounts dropped for no reason, no explanation provided and this dropps points on my report by XXXX while am in a process of getting a mortgage loan. 
I believe this was done intentionally to prevent me from getting a good mortgage deal or for not getting mortgage at all and i reserve the right to sue you for wrongfully dropping accounts off my report for your personally gains,. i have attached snapshots of the accounts on your report before you dropped them for no reason/ no explanation given when am in the cause of trying to get a mortgage loan
Product: Mortgage

Ive previously file a complaint on this matter under case XXXX. 

This lender continues to provide grossly inaccurate escrow statements. After having called me and to confirm it erred in failing to pay my home owners insurance and thus resulting in a unnecessary, four times more expensive forced placed policy ... after having gone through this process with the CFPB, the bank still sent an erred escrow statement and claims its accurate, without regard to facts acquiesced in this case. 

The company sent its escrow statement after the comment period closed on this case. Now its refusing to provide an updated, accurate escrow analysis and overall account balance.
Product: Debt collection

I do not believe the report that Jefferson Capital Systems LLC has put on my credit report is valid. It is reported as an open account. I do not have any debt with Jefferson Capital Systems LLC.
Product: Mortgage

We started receiving letters from our mortgage company ( DITECH ) stating that they set up a escrow account to collect our property taxes. We called them expressing that we 've been making the property taxes payments for the past 12 years with no problems. In the mean time all our mortgage payments are not being fully applied to our account because " they are not complete '' according to DITECH and we are being charged excessive late fees because of it, even though we are making our payments on time. DITECH stated that the reason that they set up the escrow account is because they paid the property taxes for the current year. I replied that I also paid the property taxes for the current year and I 've been doing it on my own for the past 12 years without any problem. 

Representatives at DITECH told me to submit a letter requesting for the escrow to be removed from my account which I submitted along with bank statements, receipts\copies of the checks as proof of payment, I also included a letter from the XXXX XXXX county stating that we had no properties taxes due. After submitting the proper documentation we were told that they ca n't remove the escrow account because we are behind in our escrow payments. I keep telling all the reps at DITECH that we already paid the property taxes and that we do not wish for them to collect the property taxes because we already have paid them. I talked to many of the reps and supervisors and they all are not helping us to resolved this matter.
Product: Checking or savings account

I initiated two fraudulent complains on my checking account from Chase. One was on XX/XX/XXXX for XXXX transactions totaling {$420.00} approximately and the other was on XX/XX/XXXX for {$500.00}. I did not authorize my account to be debited for these amounts and Chase will not issue me a refund.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed accuracy of late payments Department of Education/ XXXX ( All 8 accounts ) on XX/XX/19.  Experian changed the dates the accounts were first reported, while XX/XX/XXXX and XX/XX/XXXX updated the date of last activity. I received and will upload a copy of a letter from XXXX on XXXX stating that they would not update records as everything reported was accurate. This is willful noncompliance as you did not follow reasonable procedures to ensure accuracy, you are recklessly reporting inaccurate information, failed to investigate any errors, and caused further harm to my credit report and my credit score to decrease.
Product: Credit reporting or other personal consumer reports

i sent all CRA 's a dispute letter on XXXX requesting validation of the inaccurate and incomplete information they are reporting on my credit report. XXXX XXXX XXXX states that all information has to be 100 % accurate and complete before posting it on a consumer credit report. 
i have attached a copy of each letter down below for your reference
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 XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX ( Original Creditor : 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 15 U.S.C 1681 sec 602 A ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting.

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 in accurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> please be sure to enter dates that all letters were sent. 

I sent disputes to TransUnion, Equifax, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Student loan

Dates XXXX present I have been trying to work with XXXX XXXXXXXX and XXXX XXXX fix my PSLF count. I have all direct loans, certify my employment each year as recommended, I have always been on the correct payment plan. I have asked for review of my file multiple times, provided proof of autodraft payments and still have had incorrect qualifying payments. Mostly due to an error by XXXX autodrafting the wrong payment amounts, something I was not made aware of until my loans transferred to XXXX XXXXXXXX and nearly a year of qualifying payments were not counted despite my being enrolled in autodraft payments. 

Recently, due to the PSLF Waiver, I was encouraged to consolidate my direct loans because it would lend to the count being corrected quicker than going through another review. I followed this advice, and instead of my XXXX qualifying payments, my count has now sat at zero qualifying payments for two months. No one seems to be able to give me a consistent answer, which is not surprising after years of inconsistent and inept customer service ( for the record I do not blame the customer service reps, but the poor training from admin ). 

As someone who has always enrolled in autodraft payments and consistently paid and done her due diligence for the PSLF program, this has been a painstaking and infuriating process. It should not be this difficult or stress inducing. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


1. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/2021 Delete this account. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account.
Product: Mortgage

I fell behind on my mortgage. I started a loan modification with to try to get the situation straight. The mortgage company slow played the process dragging it out ove r nine months and to the point where they said they could no longer help me. I was referred to another organization for help that in turn could not therefore dragging it out even longer.The communication between myself and this company has been nil an d although I was issued a rep ( point of contact ) to handle this case, I have never been able to speak to this person. After all of this, my attorney has faxed  a 3rd party request to this company four time  since  XXXX   XXXX ,    2017  and has even emailed it to supervisor  XXXX   XXXX . As of today,  XXXX   XXXX ,  2017  he still does not have access to my account. On  XXXX   XXXX ,  2017 , the company did receive a faxed loan modification application and still a single point of contact has not been assigned. I just want to try and keep my home and due to this company 's incompetence and lack of communication I am filing this complaint.