23daVinci/CFPB_Complaints huggingface dataset:
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.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Employers : XXXX XXXX, TN XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX Employer : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX : XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I applied for assistance for the XXXX XXXX XXXX XXXX. 

I have a first and second mortgage on my property. The 2nd mortgage is a HELOC from PNC BANK. 
This mortgage is in my deceased husbands name. I am trying to get help from the state of Illinois and I need a 2nd mortgage statement. 
I went to PNC BANK many times, and they say they can not give me ANY MORTGAGE statement on this account. 
By law, if there is a debt, I am to receive a mortgage statement. All they are giving me is a payoff. This does not work the the program. I was denied the program because PNC WILL NOT give me a normal mortgage statement. 
Even if they state they charged this loan off their books, they still have a lien on my property, therefore its a debt, which I am required to receive a mortgage statement.
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 privacy and confidentiallity under 15 USC 1681.

15 USC 1681 Section 602 A States I have the right to privacy.

15 U S C 1681 Section 604 a Section 2 it is also states a consumer reporting agency can not furnish a account without any written instruction.

USC 1681 c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the items of information .Any other adverse item of information other than record s of convictions of crimes which antedates than seven years.

USC 1681 s-2 ( A ) ( 1 ) 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. 

XXXX XXXX XXXX {$13000.00} - XX/XX/2023 XXXX XXXX XXXX {$1100.00} - XX/XX/2023 XXXX XXXX XXXX {$4000.00} - XX/XX/2023 XXXX XXXX XXXX {$4700.00} - XX/XX/2023 2023
Product: Mortgage

Nationstar Mortgage, our lender, based in XXXX XXXX Texas, has collected in an escrow account for our property taxes and insurance. I learned today that our property taxes were not paid by the deadline and that thus far, {$70.00} in interest has accrued. I an very chagrined at the service I have received from Nationstar and this is just the latest issue.
Product: Credit reporting or other personal consumer reports

I Have been disputing these accounts for several months and this credit bureau is not taking the proper measures to Fix the inaccuracies on my credit report which is tarnishing my good name and credit. First I want to start off by listing the Accounts that I have been trying to get dispute and removed due to too many inaccuracies. XXXX  XXXX XXXX - Account # : XXXX, XXXXXXXX XXXX : XXXX. All of these account are reporting a lot of inaccuracies Account Number XXXX The following is reporting inaccurate on my credit report with these accounts listed above -Account Status is reporting inaccurate/ misleading -Open Date is reporting inaccurate/ misleading -Last Activity is reporting inaccurate/ misleading -Type is reporting inaccurate/ misleading -Responsibility is reporting inaccurate/ misleading -Remarks is reporting inaccurate/ misleading -Times XXXX Days Late is reporting inaccurate/ misleading -Month 's Reviewed is reporting inaccurate/ misleading -Term Source Type is reporting inaccurate/ misleading -High Balance is reporting inaccurate/ misleading -High Credit is reporting inaccurate/ misleading -Monthly Payment is reporting inaccurate/ misleading -Current Payment Status is reporting inaccurate/ misleading -Amount Past Due is reporting inaccurate/ misleading This is a violation of FRCA laws and Metro 2 Compliance. All information needs to be 100 % Accurate My name is Also reporting inaccurate and my address as well. The only name I should have on File is XXXX XXXX XXXX XXXX exactly as spelled. My current and only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX I will attach my most recent dispute letter and most recent credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was apart of the XXXX breach. 

I asked to be removed from the LexisNexis database. ( I was an employee for XXXX years before my job was moved offshore ) and aware of the the type of personal information they have on file. 

I've requested removal - as well as attaching the XXXX email stating this fact. 

They are now requesting further information. It seems they are making this as difficult as possible. During the XXXX debacle ( which I took abusive calls for ) the only thing they needed to do is request removal. 

I request assistance in removal of ALL personal information from their databases - which may or may not be accessible to offshore sources.
Product: Money transfer, virtual currency, or money service

{$390.00} was sent to a bank account from PayPal. The routing number I entered was wrong. 2 days later I called PayPal and made the correction. The PayPal customer service woman said that the money had already gone through and the transaction had been completed. The bank says that the money did not go through obviously because the routing number was wrong. So the money would have been returned to the sender. PayPal can not do anything nor can the bank. But the fault obviously lies with PayPal.
Product: Credit card

I reserved a reservation on XXXX in the amount of {$630.00}, the owner of the listing Cancel the transaction and I received the two credits one was for {$310.00} and the other one was {$68.00}, Im still missing a credit offer {$240.00}, I called the customer service to dispute the transaction as I was not able to dispute it online, it was a pain in the neck to do it because I was a transferred from one department to another, the first department asked me all the information and then later they told me that they need to transfer me to the dispute department to dispute this transaction, I told them to describe everything to the Dispute department agent to which the gentleman agreed, but when I reached the lady at the Dispute department, she asked me for my credit card number, and my name, which was already automatically verified by the system, if you guys need to ask the credit card number again again why do you put that information on the automated verifying machine? 

This happens every time that I need to dispute the transaction and its a pain in the neck and you guys never take care of it, you guys always harass me, always waste my time, and I will be stopping using your credit card, because this is enough, you do not have an online chat system, I can not dispute a transaction online. This is a complete joke. 

The call goes to XXXX and it seems they intentionally harass the customers, by asking them to verify their credit card details again and again when it is already verified on your automated machine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX equifax, XXXX XXXX XXXX I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I searched for my name on the Internet, I discovered that some of my personal information was being utilized without my permission. My information was acquired by an aggregator website, which advised me to check the website 's FAQ section before contacting approximately XXXX separate websites. I felt humiliated by the fact that I had to request that my belongings be taken, as I value my privacy. I discovered unauthorized fraudulent accounts on my credit report ; I would like these accounts to be removed and rectified. Remove all fraudulent and negative accounts from my credit report. This has impeded my capacity to obtain credit. I am making every effort to regain control of my life. Please help me eliminate all fraudulent accounts. Please inform me of any additional steps that can be taken to remove these accounts from my report.
Product: Debt collection

I received a call from XXXX with TSI on XX/XX/XXXX @ XXXX calling to collect debt of {$600.00} as of XX/XX/XXXX. Said debt was with XXXX XXXX. I have never done business with XXXX XXXX and was told to call XXXX. He would not provide me an account number or service address and said I could obtain that from XXXX XXXX. 
I called XXXX XXXX and they can not pull up an account by name. They need the service address or an account number or SSN or telephone number or driver 's license number. 
I moved out of state XX/XX/XXXX and no longer have my TXDL, they could not pull up an account by my SSN or phone. 

I received a call today XX/XX/XXXX from XXXX with TSI at XXXX threatening me that if I did not pay it was going to go against my credit. I advised what XXXX XXXX said and he said he could not give me the service address as this is sensitive information. He provided to me an account number. 

I called XXXX XXXX and they said that is not a valid account number and that the collection agency should be providing the service address. 
She could not locate an account under my SSN or phone number and advise I reach out to www.ftc.gov to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 's online banking system has flaws in its design on how to handle the XXXX account- if the principle balance is zero, the account summary page will simply show balance as {$0.00}, even there is some payment dues such as annual account fee or accrued interests on the account. Those payment dues only show up if customer purposely click the 'Pay ' button at the account. This is a very bad system design and failed to inform customers properly and timely. Why would a customer click 'Pay ' button on account balance as ZERO in first place?! 

This flaw in their system caused me late payments on annual fees and accrued interests in my XXXX account back in 2018 XXXX, XXXX, and XXXX, each time it was a {$5.00} payment dues, I did pay it immediately upon I got the notification from XXXX XXXX in other ways ( letter, phone call ). But still, XXXX XXXX reported these as late payments to credit bureaus, which adversely damage my credit scores and darken my financial futures. I have never missed any mortgage payments and XXXX principle / interests payments with XXXX XXXX, but only these XXXX occurrences which were mainly caused by their banking system 's flaw failed to serve their customers. 

I asked them to fix the errors on my credit reporting, and ask them to improve their banking system to better/ transparently serve their customers. Their responses insisted that this was customer 's fault and they reported to credit bureaus correctly, which I totally disagree. As a matter of fact, XXXX XXXX changed their process a little bit after 2018, and will never charge interests on annual fee payment anymore, but still, their online banking system not showing any balance of those hidden payment dues at the account summary page, unless customer click 'Pay ' button, which is very misleading as usual, image why would customer click 'Pay ' button if they see the account balance shown is {$0.00}? 

I want to raise my concern to CFPB, so that the government agency can push them correct their system design, and fix the credit reporting they did to their customers which were truly caused by their banking system 's design failed their fiduciary mandate.
Product: Student loan

Hello and thank you for receiving my concern. 

My servicer, Mohela, currently lists my account as delinquent, even though I have autopay in place. Mohela transferred my account to their new XXXX XXXX XXXX, effective XX/XX/XXXX and this appears to be why there are now autopay issues creating inaccurate delinquency. I spoke with the Supervisor team, on XX/XX/XXXX, who advised me that the account should not be delinquent, and sent a request for their accounting team to review and update my account. Today, I am still receiving delinquency notices. I spoke again with a supervisor today and she acknowledged the account should not be delinquent and that my autopay includes all loans, so there should not be any missing payments, however the accounting team who received the previous request for review on XX/XX/XXXX still has not responded. I am concerned because this may get reported to a credit bureau, and I can not get the servicer to fix their autopay or accounting to ensure my loans are being paid correctly. Anything you can do to help me would be greatly appreciated. 

Thank you for your time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : XXXX  - Date Opened : XXXXXXXX  - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : XXXX, Equifax, and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

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

Transunion and XXXX  are reporting a closed collections account as still open, which is resulting in a derogatory mark on my credit score. I had an account with XXXX XXXX XXXX which was placed for collection on XX/XX/XXXX for the amount of {$79.00}. This account was paid in full and closed on XX/XX/XXXX. When the account was paid, XXXX XXXX XXXX contacted Transunion and XXXX  twice a month for three months requesting they close and remove the collections account from my credit report. I also disputed the account status with Transunion and XXXX  myself. While Transunion and XXXX  both show the account balance as XXXX ( and even have a closure date of XX/XX/XXXX on the account ), they still have not closed or removed the account as requested both by me and the collection agency, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

What Im not understanding is this company says they cant identify me but locked me out of my account but still taking money from my account for a service I am not receiving sent in my member I D but still cant get in my account what gives them that right if you cant identify someone why keep collecting money cant handle this anymore XXXX  has taken over cant sleep knowing this company allowed my identity to be stolen and account hijacked but taking money from me and email changed to someone at their company Ive given all the information proving thats my account theres something not right with their investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX all are reporting charge off accounts on my credit report. The IRS defines a charge off or a 1099c as gross or ordinary income. Income does not get reported on the consumer report. By reporting this as a charge off on my consumer report This now becomes an inaccurate Account which now under 15 U.S.C 1681EB which speaks on maximum accuracy of the consumer report it must bet Deleted and it is still on my file.
Product: Mortgage

Property damage loss occurred on XX/XX/18. I paid {$6300.00} on XX/XX/18 for a plumbing repair caused by a covered peril ( lightning ). I received the settlement letter from XXXX  dated XX/XX/18 and received my check on XX/XX/18 payable to me and Suntrust Mortgage. Per Suntrust procedures I had to endorse the check and send to them along with the 16 page adjuster worksheet, I received my endorsed check back from Suntrust on XX/XX/18.

I called my insurance company ( XX/XX/XXXX ) and asked why the plumbing was not included in the initial settlement when the loss was caused by a covered peril - the claims adjuster made the correction and issued a supplement to the settlement and I received the reimbursement check sometime during the week of XX/XX/18. It was made payable to me and SunTrust Mortgage.

The manager at my local Suntrust branch told me to follow the same procedures as the first check - I endorsed and sent via XXXX to Suntrust on XX/XX/XXXX along with my proposal dated XX/XX/XXXX and invoice dated XX/XX/18 from XXXX XXXX. I was expecting to receive my endorsed reimbursement check back from Suntrust by XX/XX/18. I called them on XX/XX/XXXX to get a status and was told they were holding my check because apparently it was not clear the invoice was paid in full so I submitted my paid receipt and a copy of my credit card statement showing the charge made on XX/XX/18.

On XX/XX/18 Suntrust has cashed my reimbursement check and is holding my money and a check will be made payable to me and my contractor. I received a letter requesting a revised adjuster worksheet, contractor proposal, contractor waiver of lein and contractor W9. There is no revised adjuster worksheet, I have already submitted the contractor proposal plus my invoice and paid receipt. I called XXXX XXXX XXXX to get the lein statement and w9 - the job is done, and paid in full by me on XX/XX/18, and they have no need to get involved at this point.

On XX/XX/18 my claims adjuster submitted a letter to Suntrust on company letterhead stating the check issued on XX/XX/18 in the amount of {$4300.00} was intended to be a reimbursement to me for a repair paid in full by me. XX/XX/18 Suntrust acknowledged receipt and continues to refuse to release my money.
Product: Credit reporting or other personal consumer reports

On XX/XX/2021 factor trust report shows incorrect information. Lists a bank account with Routing # XXXX acct # XXXX I have no know of this account. The address listed on XX/XX/2021 is incorrect, along with my email address listed, name and phone number. 
My XXXX XXXX report shows on the same day XX/XX/2021 a hard inquiry from XXXX XXXX XXXX With the same incorrect information listed on my factor trust. I believe my identity has been compromised. I have been denied over and over again for bank accounts, credit cards, car loans, Im paying a higher premium for car insurance and finally getting a car loan thru a buy here pay here dealership my interest rate is 19 %
Product: Student loan

I paid off all of my student loans ; however I am being harrassed by XXXX for payment of a student loan. I have requested via online submission for this collection agency to provide me with the originating contract and lending information but they refuse to send me the requested information. This is a clear violation of the FDCPA and UDAAP as I did not have many student loans ( as I received a XXXX ) and the ones I did have were paid off ( final payment made about a year ago ). I was in school several years ago graduating in 1993 and I do not recall having any other loans then the standard federal loans that I have paid in full. Instead of XXXX providing me with the origination documentation they sent an email stating to contact them as they can possibly garnish my tax return or other federal payments. Please assist me with obtaining the requested information and to stop the harassing phone calls.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely resolved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX