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

In  XXXX    XXXX  , I submitted a dispute with the  XXXX  credit reporting agenices that the information Carrington Mortgage is providing them regarding my account is inaccurate.  XXXX  of the  XXXX  reporting agencies investigated my request and  Carrington  Mortgage repsonded to their investigation claiming the information they submitted was accurate.     On  XXXX   XXXX , I sent a letter certified mail with a return receipt to    XXXX     XXXX   XXXX  requesting them to provide me account information on a foreclosed property that they serviced a loan on. I informed them I was directly disputing the information as I did not think the dates of last payment and the dates of foreclosure were accurate. As per the RESPA, I requested them to acknwlegde my request within 5 days and to provide me a response within 30 days. Additionally, during this time, per RESPA  Carrington  Mortgage should not be reporting any information regarding late payments to the credit reporting agencies. On  XXXX   XXXX ,   XXXX  , Carringtion Mortgage recieved my letter. On  XXXX   XXXX  I received a letter from Carrington Mortgage Services dated  XXXX   XXXX , stating that they would not process my request for them to provide my account information becuase the letter that I submitted was not signed. The letter I submitted t o Carrington  was initialed by me. On  XXXX   XXXX ,   XXXX  , I faxed over a signed copy of the letter, and I also sent another letter via certified mail return receipt that was recieved b y Carrington  on  XXXX   XXXX .  Carrington Mo rtgage did not respond to my account inquiry, however on  XXXX   XXXX , I was notified by Experian, a credit reporting agency tha t Carrington  Mortgage responded to their investigation and advised them the information they were reporting was accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy still on my credit report
Product: Mortgage

On and or about XXXX of XXXX  I was told by a Wells Fargo Speacilaist in the mortgage department my escrow would have a shortage of {$240.00} come the month of XX/XX/2023. I immediately sent an escrow payment of {$50.00} additional dollars ( XXXX - XXXX = XXXX ). Next, on my XXXX regularly scheduled mortgage payment I added an additional {$100.00} to regular scheduled XXXX escrow payment = XXXX. Again, an additional {$100.00} to escrow shortage, ( XXXX - XXXX = XXXX ). Next, I was sent the escrow analysis on XX/XX/2023 with projected figures for escrow for XXXX which states my escrow is short by {$240.00}? In addition on their ( Wells Fargo XXXX XXXX ) the {$340.00} I regularly pay has a skip month of XXXX in which the company backs out the {$340.00} each year? I confirmed this in my records from previous years and see that I have paid each XXXX  Escrow of {$340.00} each of the last XXXX years and Wells Fargo has backed out this payment annually to nowhere? The company calculates my escrow yearly as {$340.00} x XXXX = {$3800.00} yet I pay {$340.00} x XXXX = {$4100.00}. I called immediately to clarify as this would clearly means I'd have an overage of estimated escrow, {$340.00} - XXXX = {$250.00} overage! In explaing this to XXXX, employee # XXXX she simply stated, " that's when Wells Fargo zeros everything out for the escrow year, '' what? I requested a supervisor and XXXX hung up! I sent in similar said complaint to Wells Fargo for immediate recalculation and insertion of XXXX 's estimated {$340.00} and have had XXXX response. In addition I have on record XXXX additional years where {$340.00} has been backed out to nowhere?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I contacted XXXX XXXX regarding the inquiries listed on my credit report that were not authorized and done by myself on X/XX/2017 and they explained that I needed to contact them in writing to dispute them. On X/XX/2017 I did contact them via mail and rquested that all inquiries be removed at once because they were not authorized to pull my credit and I have n't applied for any cards with this bank. XXXX XXXX never responded to my initial written request so again I called the TransUnion X/XX/2017 and again on X/XX/2017 to explain the situation once again looking for some type of resolution and was told to call the creditor that there was nothing that can be done without written letter stating they ( XXXX XXXX ) wanted the inquiries removed. I decided that I would again send out letters as well as contact the CFPB to notify you of this situation as well as send out a second letter to the creditor as well as a letter to the bureau for each unauthorized inquiry from XXXX XXXX although I was told that nothing would be done without written permission to be removed from the creditor. I find it very upsetting to have my credit score impacted by inquiries I myself have n't done and to have the bureau and XXXX XXXX just " bounce '' me back and forth between the two of them I ca n't seem to get to a point of resolution please help me resolve this matter because I have exhausted all attempts thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX THEY ARE CONTINUING TO REPORT TWO FRAUDULENT ACCOUNTS I KNOW NOTHIG ABOUTON MY CREDIT REPORT AND HAVE NEVER HEARD OF THESE COMPANY BEFORE AND HAVE NEVER RECEIVED ANY CORRESPONDENCE THEM. HOW AND WHAT THE DEBT IS FOR AND WHAT PROOF THEY HAVE THAT IM CORRECT PERSON THEIR LOOKING FOR? THESE ACCOUNTS WHERE OPENED I ASSURE YOU DUE TO ME BEING A VICTIM OF IDENITY THEFT AND EQUIFAX HAS YET TO NOT DONE A PROPER INVESTIGATION TO EVEN SEE THAT THESE ARE NOT EVEN MY ACCOUNTS AND DONT BELONG TO ME. I HAVE NEVER HEARD OR HAD A XXXX XXXX XXXX ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts appearing on my credit report that I have never opened
Product: Debt collection

I have repeatedly received phone calls from this company to the point I had to change my number. During one phone call I was threatened to be sued and lose everything I own over a little debt that is NOT my debt! I have never received anything to validate this debt from this company!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent three letters to the three credit bureaus experience, XXXX and XXXX XXXX about my credit reporting fraud accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, XXXX and Equifax I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
1. The inquiry was not authorized CREDITONEBK Date of inquiry : XX/XX/XXXX Please Delete Immediately 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 4. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please Delete Immediately .5Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX  Account Number : XXXX Please Delete Immediately 7. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately 8. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX  XXXX Account Number : XXXX Please Delete Immediately
Product: Credit card or prepaid card

I responded to an email offer for a   XXXX   XXXX   XXXX ,  the email offer clearly stated that there was not an annual fee for the card.     However, they are billing me {$99.00} in installment fee 's for the annual fee, that I was advised I would not have.     I called the presidents office for  XXXX  cards and spoke with  XXXX   XXXX  ext  XXXX  she advised me she would check in to it and call me back on Monday  XXXX / XXXX /  XXXX   Her call was never received, and I have not been able to reach her again.
Product: Mortgage

My loan was under XXXX where I had ZERO issues. I had requested a forbearance due to COVID. Back in XXXX of 2021, I contacted XXXX to get out of forbearance and back on paying my mortgage. I selected the option to place the amount deferred to the end of the loan. I completed all the paperwork they sent me and XXXX them back on the XXXX of XXXX. 

Days after I, received notification that Mr. Cooper was now going to be servicing the loan. I set up my online account and contacted them regarding the forbearance and when I could make my first payment. I was instructed they were honoring the paperwork from XXXX so I didn't have to worry about filing new paperwork. I went weeks before they could even tell me anything on my account with the switch. Then they tell me it will be fine and that it has been approved, yet my account still says I owe $ XXXX. My online account even says I am not allowed to make payments at this time. When I called about it two weeks ago they tell me it was sent to accounting to be paid. Still it reflect the $ XXXX balance. When I called the other day, I was told that I would have a payment until XXXX but I asked what happened to the XXXX payment the paperwork said I had to make. The guy said he saw nothing about XXXX, then he reviewed the paperwork and said oh, yeah I see it does show you are 30 days late. 

I have been calling them and being told a supervisor would call me back and nothing. They are trying to make me several months late, so it gives me more problems when trying to get back on track. As they are a debt collector as well this does not surprise me. They are trying to steal more money from me from their lack of response and work. 

No one there can tell me anything and I would prefer a different servicer on my mortgage. Mr. Cooper should lose it license to service mortgages as they lie to the customer to get them off the phone and do not return calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account ( XXXX  ( XXXX XXXX ) Account # XXXX ) was properly investigated but how is that possible if the date opened is inaccurate, the date last reported is inaccurate, the last date active is inaccurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # XXXX # XXXX
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 15 U.S.SC 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have 4 collection accounts from years ago that keeping being reported as current. they are either duplicates, old or paid as agreed but now show as recent collections. I ca n't get help from the creditors/collection agencies. I was referred to you to submit a complain for XXXX XXXX. I need help and ca n't get any funds. This separate database has totally ruined my life and chance of rebuilding for me and my XXXX kids. I was forced to leave a dangerous abusive marriage and was told i would have help and protection against discrimination, etc. Where is my protection now? 9 years of working so hard to feed my kids and trying to clean up everything. my joint bad credit finally is off my records and now what do i do. Today XX/XX/17, I was denied a small loan by XXXX XXXX, XXXX XXXX, and XXXX XXXX and more in the past few weeks. These companies charged thousands to borrow {$500.00} and that is also why this company is hurting my life. For all single mothers that get out of domestic violence, it is not easy and no one is there to help. you have to beg and search and see if you are lucky to find resources. I lost my home last year and could n't rent a decent place because of this. Please help me take any negative credit off my record under Clarity and then they need to report to the 3 bureaus. Transunion, XXXX, XXXX. please help me on this. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent to Experian Credit Bureau. However, any modes of response or coordination were not taken on their end. Failure to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the accounts reporting on my Credit Report : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXXBalance {$750.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXXBalance {$4900.00} XXXX XXXXBalance {$790.00}
Product: Checking or savings account

XXXX missing ATM card. Called bank to cancel card. Was on hold for over 1 hour. 

XXXX Called bank again, recording said unavailable. 

XX/XX/XXXX Holiday, recording said unavailable again. 

XXXX Went to branch where I opened account when it opened. Representative canceled ATM card, issued temporary. Confirmed no charges since XX/XX/XXXX when I last used the card at a restaurant. 

XXXXSaw three fraudulent charges on bank app. Reached customer service and filed complaint. Two for XXXX XXXX {$370.00} & {$470.00} and one from XXXX for {$250.00}. Contacted XXXX XXXX fraud dept. they needed complete transaction number, only had partial from bank app. Reached customer service, was told they could not give me complete transaction number. 

XXXX-Reached customer service, they said complaint denied. Said I would file CFPB complaint if money not returned. 

XXXX All monies credited to account. 

XXXXDeducted the XXXX XXXX charges against. Call customer service again they said it was only a temporary credit. Filed another claim. 

XXXX Again deducted XXXX XXXX charges totaling {$840.00} debit memo VD XXXX. Called customer service said they could not see the charge as it was internal. 

XXXX received letter dated XX/XX/XXXX from bank in Spanish but could not read. It appeared to reference fraudulent XXXX  charge of {$250.00}. 

XXXX Received letter dated XX/XX/XXXX from bank : debit reflected in XX/XX/XXXX corresponds to reversal of provisional credit in XX/XX/XXXX. 

XXXX filed another complaint # XXXX with XXXX XXXX XXXX Said she could not see any history before XX/XX/XXXX. 

Summary- They have deducted XXXX XXXX fraudulent charges against my account twice totaling {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN FAILURE TO UPDATE RELATIVE POHONE AND CONTACT INFORMATION FOR THE CONSUMERS FRAUD ALERT INFORMATION DESPITE REPEAT SUBMISSIONS TO EXPERIAN TO CORRECT THE INACCURATE AND INCORRECT INFORMATION.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I froze and opted-out of LexisNexis consumer XXXX. Although I have taken these precautions, LexisNexis is still illegally furnishing my private personal information without my written consent. 
On XX/XX/XXXX XXXX confirmed that LexisNexis provided them my private personal information to determine and calculate my monthly insurance rate. On XX/XX/XXXX I mailed in a handwritten request for LexisNexis to remove my driving record from my credit file pursuant to 18 US code 2721 ( a ) ( b ). This law states that My driver record is strictly prohibited for use in my credit report. On XX/XX/XXXX ( well after the legally mandated time frame ) lexis XXXX responded we have reviewed the information from our phone records, and determined that data being reported is accurate. LexisNexis is intentionally not acting in accordance with the law and this has caused me great financial harm.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year> I entered into an agreement to pay off a credit card account with CITIBANK for XXXX a month and the account was to be closed as part of this agreement. The account was closed and my first XXXX payment was paid XX/XX/XXXX. I have paid minimum of XXXX each month to date and other months I have paid in excess of XXXX payments set forth by Citibank. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Citibank has reported to the credit reporting agency that I missed XXXX payment. XXXX disputes were filed through XXXX. The first remained unchanged. The second dispute I sent proof of payments made and the negative report remained unchanged. They did however change the account status to closed starting in XXXX though the previous information they reported stated account was closed int XXXX XXXX closed date is correct per the patent arrangement agreement. 

They are refusing to remove the negative reporting despite the fact that I have given them proof of all payments made.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX  XXXX Balance : {$0.00XXXX XXXX XXXXXXXX XXXX Balance : {$8700.00} XXXX XXXXXXXX Balance : {$53000.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX Balance : {$5500.00}