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

I reached out to the company to get a verification of debts for an account of XXXX XXXX and for XXXX XXXX XXXX on my account in XXXX of 2023. 

I have yet to still see any response this Credit report agency has failed to follow dispute procedures, also has failed to conduct an initial internal investigation within 30 days, the third violation was they did not inform me of the results within 5 days. 
Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting. 


Pursuant to 15 usc 1681 ( a ) ( 2 ) g Your company 's mistake has caused me serious harm. Serious harm means any harm, whether physical or non physical, including psychological, financial, or reputational harm. My reputation has been negatively impacted. 
Since your company ASSUMED this role, it depends upon an honest evaluation. You have not received expressed permission from me, the consumer, to report these inaccuracies. And since you assumed this information was valid. This is a direct violation of my consumer rights. 

When you furnished this inaccurate information without doing a thorough and fair investigation you violated my rights. As a result of you not validating this information before Reporting To my consumer report, you have breached my rights to privacy.
Product: Mortgage

Our loan was previously serviced via XXXX, it was transferred to Mr cooper and when the transfer occurred we noticed our biweekly payments had increased significantly. I wrote in on XX/XX/year> to mr cooper to ask why the payment went up by so much. I was informed that after looking at our Mortgage she saw there was an escrow analysis completed before the loan was transferred. According to the analysis my taxes and insurance has been increased due to which payment has also been increased. The amount has a shortfall of {$1600.00}. We were informed we can pay this shortfall and reduce the monthly payment. I told the representative that we were never informed of the shortage from the previous servicer or from our new servicer prior to payments being automatically withdrawn. I did recieve a notice of transfer but nothing regarding escrow shortage. I asked that she file a complaint with their compliance complaint department- the case number is XXXX. 

I would like to know why I was not informed of the escrow shortage via writing and a refund on the difference in payments.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

XXXX XXXX was loan officer  XXXX, I closed on my house with XXXX  XXXX XX/XX/. This documents you see that I am uploading are not associated with first time home buyers program, financing XXXX. Approved financing XXXX, dselp, cda, dpa financing loans placed against my house 1st, 2nd 3rd liens. He was working with XXXX XXXX  at the time he as since relocated to a northern bank. The scamming begun the first day, being deceptive, financing loans with out my knowledge and consent. XXXX XXXX  email is XXXX. this is where the beginning of the scamming begun.
Product: Debt collection

I have contacted and sent Fraud Affidavits to CNAC. Also, I have disputed this account with all XXXX Credit Agencies who stated that CNAC verified that this account belong to me. I find that hard to believe since I was never able to get a response back from CNAC. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting in results.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported by XXXX XXXX XXXX on my credit report concerning late payments allegedly made in XXXX, XXXX, and XXXX of 2022. I assert that these claims are inaccurate and request a thorough investigation into this matter. The reported late payments for these months are incorrect, as I have consistently made my payments on time. This misinformation is adversely affecting my credit score and overall financial health. Therefore, I request that XXXX XXXX XXXX provide concrete proof that these payments were indeed late. Statements alone are insufficient ; I demand documentation that definitively shows the dates and times of the transactions in question, including any logs from your payment processing system that can verify these claims. If there are any other late payments being reported by XXXX XXXX XXXX, I also demand proof of those payments, as I can only see the past XXXX years of my payment history. This documentation should similarly include dates, times, and logs from your payment processing system.
Product: Credit card

On XXXX of XXXX I sent Chase my negotiable instrument in the form of the coupon that was attached to the statement that they had sent me. I wrote the amount in the Box in number form on a letter form dated it and indorsed it. The amounts for {$2000.00}. In XXXX I sent them another one for the same amount in the same way a couple days after I sent it they sent me a letter regarding the first negotiable instrument sent in on XXXX stating that it could not be accepted because of the card agreement. When I called them I tried to explain to them that their agreement is not a contract and does not supersede United States code and to cfrs definition for negotiable instrument. They never returned my securities or sent proof of destruction of said securities. I informed them since that I attempted to make payment and they would not accept it. The payment was atempted on my part and should be either accepted or canceled according to the law. I proceeded to call me everyday for payment and then after some time canceled my account and I believe sent me to collections and doing so has now destroyed my credit report. All payments have been made using certified return receipt mail and I have pictures of all securities and have the receipts for the mail.
Product: Mortgage

My taxes increased roughly {$1300.00}. I was not aware but I do not dispute the increase. The mortgage paid the taxes and increased the debt in my escrow. They increased my monthly payment from {$740.00} to {$1100.00}. Clearly a {$390.00} increase to my payment far exceeds the increase in my taxes so I eventually got a hold of a human at Lakeview Loan and she agreed and started a re-balance calculation process for my escrow and she committed to a response within a week. That all began on XX/XX/XXXX and still no resolution. Mean while my auto payment is still being made at {$740.00} and I have been assessed roughly {$100.00} in late fees. 

This is investment property and I plan to pay the escrow off and put excess in the account. This mortgage company has not responded and I remain in limbo with my only option to pay this ridiculously excessive monthly amount. I have never had such difficulty with any agency. I call them and wait for roughly 10 minutes just to leave my call back number to which they never make.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an investigation letter, specifically requesting certain creditors. My request was sent on XX/XX/2020. Around XX/XX/XXXX, I received a letter stating that XXXX  refuses to do any further investigation unless provided with proof. The problem with this response is as follows : 1. The creditor ( s ) have not validated the veracity of the records. Obviously, thats why theres a inquiry. 2. The responsibility of this institution is to provide accurate records to third parties. Obviously, theres a gap in that directive. 3. This institution is obligated by law to investigate, require proof from the creditor, that validates their record. There are gross disparities in this system. Not to mention discriminatory practices based on race, sex, and economic status.
Product: Credit reporting or other personal consumer reports

Well I was affected by the Equifax breach I had to fill out the expanded time because I was never notified when I was affected and I'm XXXX so it's hard for me to feel all this stuff out I keep giving them all the information that I feel proper enough from evidence because of their breach I'm still suffering
Product: Credit reporting or other personal consumer reports

Its very difficult to try and contact SeedFi for my credit builder limited edition XXXX XXXX. Its being reported by the company that I still owe {$180.00}. This was my loan reminder in XX/XX/2023. Account hasnt been updated whatsoever and everytime I dispute through XXXX they say the company reports its accurate/verified. Its simply cant be as I have a screenshot of my loan being 100 % paid back. Its a ring a round loop trying to call SeedFi customer service phone number as it goes straight to XXXX XXXX customer service or another company because SeedFi integrated with XXXX XXXX, XXXX XXXX cant help me if Im trying to get my XXXX credit report fixed, I send emails but only get automated emails back asking for last XXXX digits of social which I always respond and nothing, I call XXXX to dispute and its too the point I cant specifically dispute SeedFi on my XXXX credit report because I keep disputing. I made XXXX more disputes through the phone and still information says its reported accurate. I sent documents showing why the decision is wrong and still they wont report the loan as paid/closed. I do not owe SeedFi anything. In XXXX the account was reported closed/Paid off but for some reason after XXXX it was back opened and ever since trying to report it wrong it has not been fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed are not my items
Product: Credit card or prepaid card

Tried to add wife to saving acct. Could not accomplish it with help of cust service reps ( 3 attempts ) ..They wanted to combine on line access with credit card. They could not accomplish and as a result they suspended the credit card! 

They became very uncooperative and combative. We both got very frustrated. I received a notification that money could only be transferred for my savings account with their approval. This was a separate transaction. Can they dictate when I can withdraw MY money?
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information- Accounts with XXXX XXXX. 

To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information listed on my credit report under the Fair Credit Reporting Act ( FCRA ) 609 and 611. I recently reviewed my credit report, and I found inconsistencies in the accounts attached below : This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. I want all affirm inc, accounts removed immediately. 
15 USC 1681i ( 5 ) 15 USC 1681s-2 15 USC 1681 b Additionally, I expect written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting the removal, within 15 days of the date of this letter. Failure to comply with these requirements will leave me no choice but to pursue further legal remedies.
Product: Credit reporting or other personal consumer reports

There was no action. Per example, I have health insurance but medical companies failure to charge my insurance but instead charge me and send my information to other consumers to bother me.
Product: Debt collection

I have tried disputing several items on my report with XXXX that is years old
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed recently as I pulled my credit report that there were some accounts that did not belong to me I have reached out to each creditor via phone and I have not got these issues resolved as of yet. These accounts are clearly in violation of my rights so I am seeking reparations for the damage and pain it has caused me and my livelihood.
Product: Credit card or prepaid card

Dept protection fee has been charged to my account for an advertised interest free purchase on Best Buy Credit Card via XXXX and Citibank since 2006. 
Requested the proof of evidence of my signature that I agreed to the terms and services and never received such documents. Total of ~ {$490.00} worth of fee has been charged to my account without my knowledge for the past 12 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

existing problem We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT My XXXX  XXXX Trans Union FICO score recently dropped from XXXX to XXXX on XX/XX/2022, and then it dropped again to XXXX on XX/XX/2022. I have an XXXX 100 % payment history, and I haven't made any large purchases on any of my credit cards. I recently made a change of address but that should not drop my score that much. I attached a screenshot of my XXXX  XXXX Trans Union FICO score to this complaint. 

The odd thing is that my XXXX TransUnion FICO score went up from XXXX to XXXX on XX/XX/2022. It stands to reason that my XXXX  XXXX Trans Union FICO score should also go up. My XXXX Trans Union FICO score went up, while my XXXX  XXXX Trans Union FICO score went down. This makes no sense. This drop in my FICO score on my XXXX  XXXX card is preventing me from obtaining the best possible interest rates on loans and balance transfers. 

I attached a screenshot of my XXXX  XXXX credit score showing the decrease to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent validation letters for debt attached to my name to XXXX  XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX  ) and JP Morgan chase Bank. None of these institutions validated the debt in the legal amount of time they are given to do so. They have received more than 1 letter to remove the debt along with all derogatory remarks over 5 months ago and still have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have my wages being garnished about a debt that I know nothing about or ever received any information to dispute. The law firm said they sent out letters and I never responded, I informed them the address they have on file is not or ever was a place where I lived and thats why I had no knowledge of this debt. They got a judgment against me and I knew nothing about this to even attend court or dispute the actions. Financially they are hurting me with the amount there taking out my pay weekly and Im afraid I may loose my home or vehicle or be able to take care of my household expenses. Supposedly this account is going back to XXXX  with an amount of XXXX from a bank I have know dealing with. This debt was passed down to them from another Debt agency that had the account from what I was told..I have no idea who this money is owed to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX sold- Account type Open account Date opened XX/XX/XXXX Status- Status updated XX/XX/XXXX This account is incorrect this account is with XXXX  XXXX that its last negative report was well over 7 years ago this account did not open in XXXX and does not belong to XXXX  XXXX. this needs to be deleted completely from my report The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law I intend to follow through with this if it is not rectified and I am compensated immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is Reporting on my credit report false and miss leading and fraudulent Inquiry on my credit report I did not authorized all of the Inquiry Please delete off my credit report and I send in a Dispute Letter also to.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 a collection as added to XXXX XXXX profile from XXXX XXXX XXXX. I sent a certified letter to XXXX to validate this date. On my credit report it stated that it was for XXXX XXXX. I never had a contract or agreement with XXXX XXXX. I requested that it should be proven or removed withing 15 days. There was no response. 

The collection account from [ XXXX XXXX XXXX ] appearing on my XXXX credit report is inaccurate and not associated with any debt that I owe. Specifically 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.

Improper Use of Credit Report : I believe that [ XXXX XXXX XXXX  ] has accessed and used my credit report without a permissible purpose. This unauthorized access is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Impact on Credit Report : This erroneous collection account is severely affecting my credit score and financial reputation. It may result in denied credit applications and less favorable financial terms I request that the CFPB investigate this matter and take appropriate action to : Have the incorrect collection account removed from my XXXX credit report. 
Ensure that [ XXXX XXXX XXXX ] ceases all collection activities related to this account.
Product: Credit reporting or other personal consumer reports

I have asked this company to reinvestigate my claim 15 USC 1681 I Procedure Investigation, I have informed this company that I've disputed this information once before 15 USC 1692 G Validation of Debt this alleged account has been DELETED by XXXX and they are still saying that the information has been verified by Equifax
Product: Debt collection

On XX/XX/XXXX I asked for a personal loan from XXXX XXXX XXXX XXXX XXXX. for {$500.00}. After that I was paying on cash back to the loan. After 5 years of paying the minimum payment I still have the debt but now the debt increase because they said that issued a check for {$1000.00} written XX/XX/XXXX and {$700.00} of XX/XX/XXXX.The problem is that I never received those checks. Then I started investigated by myself. I hired an Attorney but anybody gave me a good answer. I obtained a copy of that check, proof 1 back and fort of the check No XXXX. the said that my complaint did not proceed because the check It was signed for me. The reality the check I have never signed or received. During that time I was in the hospital. 
Until today after fighting 2 years trough attorney, and letters.. I still have problems with the check. 
Any body believe me. I am desperate everybody said that I can not do anything about that debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Experian that I am a victim of identity theft and XXXX accounts that they are reporting under my credit file are the result of identity theft. Yet Experian fails to remove the fraud accounts from my credit file. They claim to have verified accounts however according to the FCRA, they have to tell me how they verified the account. Let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. Im in shock that they are claiming to have verified an account that is a result of identity theft and better yet accounts on which the company couldn't give me information. XXXX and XXXX XXXX are not accounts or information relating to any transaction by myself. I have provided Experian FTC theft report, proof of identity, and a statement detailing these accounts are indeed not mine and a result of identity theft yet Experian still disregards that these needs to be removed immediately or I will be forced to take legal action.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

There is a fraudulent XXXX account ending in XXXX that needs to be removed from my report as it is causing my reputation harm.
Product: Mortgage

I applied for a loan modification through my mortgage company, to avoid foreclosure. The Mortgage company denied my request. The reason is because they can not verify that I live in my home. I have sent proof that I live in my home as well as my pay stubs showing that I have the required amount of {$300.00} left over, after expenses are subtracted, including my mortgage payment. I have submitted a written Appeal, on XX/XX/2016, along with proof of occupancy and pay stubs.