23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When my loan for the below-mentioned property got transferred from XXXX financial to Fay Servicing on XX/XX/XXXX. The Fay Servicing showed that XX/XX/XXXX payment was duo which is incorrect. I continued to make one payment each month as shown in the attachment. 

Property address : XXXX XXXX XXXX XXXX, XXXX TX XXXX Fay Servicing has created unnecessary confusion and trouble and wrong reports on my credit due to their inability to process the loan transfer on time with accuracy. 
At the writing this complaint, then I made one extra payment for XX/XX/XXXX because I need a clean payoff quote from them. 

It has been extremely frustrating to work with Fay Servicing XXXX. The government should ban them immediately. They are extremely irresponsible even after numerous calls and emails with proof. 

Enclosures : Full Payment history from the previous servicer, XXXX XXXX A bank account statement showing the XXXX Payment was debited by XXXX Full Payment history from the current servicer, Fay Servicing XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, i am the living breathing man XXXX. i hereby am filing a formal complaint against XXXX XXXX Credit Card, for violating my consumer rights under the authority of the fair credit reporting act in an extension of credit transaction. XXXX XXXX credit card furnished my non public personal information to EquifaxXXXX XXXX XXXX XXXXXXXX without my written consent which is enforced under the Fair credit reporting act and the Gramm leach Bliley act for my rights to privacy. Furthermore, i would like the inquiry removed from all credit reporting agencies immediately. I am aware my consent is required for such information to be furnished. I do not give consent or power of attorney to act on my behalf to any party above-mentioned. Please take notice XXXX XXXX, XXXX, equifax, and XXXX can be held civilly and criminally liable. This is my good faith attempt to resolve these matters. 

XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved XXXX
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any information on this matter, and the company proceeded without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian lowered my score by XXXX points for no reason. the other two credit agencies have not done this and my scores still remain the same at over XXXX.
Product: Credit reporting or other personal consumer reports

My Credit Report Is Stating That My Late Payments Are Beyond XXXX When It Clearly Is No More Than XXXX And Thats Due To XXXX XXXX And Under According To 15 U.S. CODE 1681a ( 2XD ) 15 U.S. CODE S 1666b 12 CFR 1026.13 Billing Error Resolution ) This Be Deferred Or Forgiven
Product: Checking or savings account

On XX/XX/XXXX I went to the Chase bank at XXXX XXXX XXXX , in XXXX Ohio. I wanted to withdraw {$460.00} from my XXXX XXXX XXXX account. I was charged the {$3.00} fee to use the Chase ATM however, the ATM did not function correctly and my cash was not dispensed. I received a receipt and it did not show that I was being given {$460.00}. I assumed the money would be refunded to my account as I have had this happen before and it was refunded within minutes. 
I called Chase to report the issue, but they did not want to speak with me because it was not with a Chase debit card. I called my bank Simple ( XXXX XXXX ) ( I actually bank with Chase as well, I have a joint checking open there and two credit cards ) to dispute it and they have opened up a dispute but they can not give me a time-frame of when this will be resolved. 
I went back to Chase on XX/XX/XXXX, into the branch where the issue occured and they still refuse to do anything about this issue. Chase electronically withdrew the funds from my account and did not dispense the cash, I believe this is there error and they should be helping to solve the issue. But again, I was turned away because I did not use a Chase ATM card at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX Balance : {$21000.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
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 Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX XXXXXXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX5 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without 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 ). States 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: Debt collection

They keep calling from multiple numbers. I have about 10 numbers blocked already. They cal about 3 plus times a day. It happens almost everyday.
Product: Credit reporting or other personal consumer reports

Under USC 1681 sec 7 affords me the right to know how this account XXXX XXXX was investigated and verified. How ever, it has been 5 weeks and such prove has not been made available to me by XXXX, Transunion and XXXX. With so much inaccuracies being reported on this account, this is costing me money in interest rate and the 3 credit bureau now owe me {$1000.00} each.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this account opened in XX/XX/XXXX. Since then I have been 100 % on time with my payments. The account is always paid on time and always handled responsibly. I am an active member of the United States Military and usually travel according to my orders. I use the AutoPay feature to pay my bills automatically because while I am under orders, I am unable to predict the details of my mission. This account was under autopay but somehow this feature was removed or the terms were changed because the money was not taken from my account as originally agreed. I do not have any blemish on my credit except for this late payment that occurred in XX/XX/XXXX during the months of my deployment. The servicemembers Civil Relief Act usually covers and protects US soldiers from adverse effects to their finance and credit while serving in the military. I ask this to be looked into and removed from my credit report. This is the only late showing up and should not be reported because this was not my fault as I was deployed during the change in terms and late payment. I have multiple attempt with the XXXX and the credit bureaus but the late payment continues to report in my credit file. I attached the copy of the letters from the Department of XXXX to prove my whereabouts.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX  XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$45.00} XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$30.00} XXXX  XXXX Balance : {$5900.00} XXXX XXXX XXXX  XXXX Balance : {$400.00}. 
XXXX XXXX XXXX : {$60.00}
Product: Credit reporting or other personal consumer reports

I am urgently appealing to you to promptly remove the unauthorized ACCOUNTS from my credit report, given that I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error swiftly.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am formally disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Experian is reporting inaccurate, incomplete, or unverifiable information in violation of 15 U.S.C. 1681i ( a ) ( 5 ) and has failed to conduct a proper investigation, disregarding consumer protection laws. I request that Experian conduct a thorough reinvestigation of the wrongfully opened lease account by XXXX XXXX XXXX through XXXX XXXX and provide all documentation used to verify the disputed information, including any applications or agreements associated with this account. Additionally, I expect Experian to confirm whether it has independently verified this accounts legitimacy, as it remains the only bureau reporting it as open. The account XXXX was wrongfully opened on XX/XX/year>. We have already contacted XXXX XXXX, and they have reached out to XXXX XXXX XXXX regarding this matter. Furthermore, XXXX correctly reflects the account as closed, yet Experian continues to report it as open. This inaccuracy is negatively impacting my credit, and I demand immediate correction. Please provide a written response confirming the results of your reinvestigation on Experian within the legally mandated timeframe. 

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

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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'm filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit despite my efforts to resolve this directly with the reporting agency and Experian, it remains unresolved. I request immediate removal of this item. 
Experian did not properly investigate this dispute and failed to remove errors on my report. The investigation was a sham. 

Account XXXXXX/XX/XXXX Date opened XX/XX/year> Reason for dispute the account does not belong to me it was created fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is the worst business ever. 
they put negative information about my account, that i am late 30 days i wasn't aware of the information. and i did a mistake for not noticing but they failed to inform me that there will be any negative on my report, they failed to contact me, through email, phone or mail this is my rights under FCRA, SCRA, i am XXXX XXXX XXXX " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. '' and " You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information. " they say they try to contact me many times, which never happen and they refuse to show me any email or mail letter to confirm they reached me or even phone log, i only received one letter to tell me i have negative payment going to the report i asked to show anything to verify they reached me personally, they refuse. 

my only problem, is their own collection department : -do n't care that i am SCRA -refuse to show that their information is verified -add more information without my consent on my report ( 30 days late, and note that i didn't like their investigation ) -delayed my process -never answer question -refuse to understand that sometimes accidents happen -acting like their system is 100 % error proof and no way that accident happen and i wasn't informed -refuse to work with any negotiation -refuse to minimize damage -failed to inform me with any issues so what is their job exactly?
Product: Credit reporting or other personal consumer reports

Bankruptcy XXXX Case number XXXX XXXX RE : Results of Reinvestigation I recently contacted XXXX @ XXXX  XXXX  XXXX XXXX ) regarding information associated to to my file. In accordance the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 es seq. ), XXXX filed my dispute regarding the following data with the listed entity. 

Dispute date : XX/XX/2023 Dispute Filed with : XXXX As of the date of this letter, the Disputed information was removed from my file at XXXX. Please note when information is removed from my consumer reports provided by XXXX as a result of a dispute or request, that change is only applicable to the reports generated by XXXX. XXXX have Disputed this information on XX/XX/2023 on my behalf with the Credit Bureau listed below, but have not received a response from it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously sent Equifax a Identity theft report in relation to fraudulent information and inquiries that were reporting on my consumer report. I sent the information via mail and also again via fax twice to the fax number provided and the fax confirms it was sent to them on XX/XX/2021. It is now XX/XX/2021, I called Equifax today and their agent stated that they still do not have the Identity theft report that was sent directly to them. I am concerned as to why they gave me a number that doesnt seem to work and then the agent today STILL requested that I fax the documents again to the same number that didn't work the first time. As I stated to the agent I have sent it AGAIN via fax however, I am now sending it through here to have a record and make sure that they receive it. 
There are 2 fraudulent inquiries currently reporting to my consumer report from XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$94000.00} XXXX XXXX  XXXX Balance : {$8300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX was sent back the phone XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My federal student loan was discharged due to XXXX and Permanent XXXX ( TPD ) as of XX/XX/2024. I informed the credit bureaus XXXX, Equifax, XXXX and the loan servicer XXXX, and sent them all a copy of the XXXX Department of Education discharge letter. The credit bureau will not change the status of my student loan accounts and they will not close the accounts. They closed my disputes with no action. Totally ignored the evidence and request and gave no reason why the disputes were not resolved or honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, entered into a consumer credit transaction with TOYOTA FINANCIAL SERVICES which the account number is XXXX went into default and the debt was sold to a 3rd party debt collector. At the time, I didn't have an understanding of the laws under the FDCPA, TILA, and FCRA. As a consumer under these federal statues I am protected. Under FCRA 15 USC 1681 ( a ) " Accuracy and fairness of credit reporting. ( 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. I have sent in multiple disputes to the 3 major " credit Bureaus '' ( XXXX XXXX, XXXX, and XXXX ) who congress has defined as a elaborate mechanism trying to get this situation resolved and this information removed and they response was ... ( see attached file ). In that letter you will see that i attempted to get this information removed and i quote " Our records reflect that you submitted the same dispute to us one or more times. '' TOYOTA FINANCE SERVICES said they investigated the situation but have not provided any proof of that investigation. I DEMAND that this information be removed IMMEDIATELY under 15 USC 1692e ( 8 ) " communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. '' I never gave TOYOTA FINANCIAL SERVICES or the elaborate mechanisms ( XXXX XXXX, XXXX, XXXX ) permission or consent to furnish this deceptive information on my consumer report.
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am writing to express my ongoing concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite many numerous attempts to address this matter, the fraudulent items persist, causing significant distress and financial hardship. 

I have reported this matter on multiple occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in your services. 

Given the urgency of the situation, I urgently request the following actions be taken : Conduct an expedited and comprehensive review of the fraudulent activities associated with my account to facilitate the swift removal of all unauthorized items and transactions. 

Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to resolve this issue. 

Implement additional preventive measures on my account immediately to mitigate the risk of future unauthorized access or activities. 

Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in your services. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX ( XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX  Balance : {$570.00} XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX
Product: Mortgage

ocwen has given me bad credit because they say I have not made payments when I have proff that I did.now I cant even get HARP help because they say you need 6 months of making payments and ocwen says I have n't when I have bank statements proving I have .so now I cant get gove.helpor get someone else to take my mortgage even though I made some times two payments a month.i am XXXX.i cant XXXX.i cry all the time.i lost my son and my husband in the last year.now I am going to lose my house.and no ome will help me.can I sue ocwen for putting me through this and making it so I cant even get HARP.my interest is over 10 percent.thats just plain criminal