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

It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX  Type : XXXX Status : Dismissed Reference # XXXX XXXX XXXX Amount : Date Filed/Reported : XXXX Closing Date : Liability : Exempt Amount : {$0.00} XXXX XXXX  XXXX Add a custom Message Type : XXXX Status : Dismissed Reference # : XXXX XXXX  Amount : Date Filed/Reported : XXXX Closing Date : Liability : Exempt Amount : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXXXXXX XX/XX/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 am writing to inform you that I am a victim of a data breach. As a result, unauthorized accounts and inquiries have appeared on my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts be blocked and deleted from my credit file. 
Accounts to be Blocked and Deleted : 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 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

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, XXXX XXXX XXXX is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Mortgage

I have disputed this several times and have not received any assistance. I have spoken I I have spoken to several managers and they have admitted SPS is working on getting an updated system in order for customers to delete or change account info online. There is no way to determine whether or not payment is being submitted under the correct acct # due to system only showing last several numbers. Although they are aware of the issue they refuse to update my credit report in spite of THEIR negligence to the system in in place. I would appreciate if these late payments are removed from my c credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED INQUIRES
Product: Credit reporting or other personal consumer reports

I am writing once again regarding the unauthorized and inaccurate account on my credit report, which remains unresolved despite my previous disputes.
Product: Debt collection

A collection agency has opened an account on me for {$480.00}, this is in regards to equipment that has been returned to  XXXX   XXXX   XXXX  through the   XXXX   XXXX   by me. I followed the instructions to return the equipment and it was received by  XXXX   XXXX   XXXX . I owe nothing to  XXXX   XXXX   XXXX  and request that the account be closed and wiped from my credit files that it is being reported to currently.
Product: Student loan

I submitted my Public Student Loan Forgiveness application to MOHELA on XX/XX/XXXX. On the website it states up to 30 calendar days for processing. I called after 21 days to check on the status and I was told it is now 30-45 calendar days for processing. I called back again today ( XX/XX/XXXX ) and was just told it is up to 45 business days for processing. Meanwhile on the website it still clearly states 30 calendar days. I am very worried about the consistency and ultimate processing of my application.
Product: Credit reporting or other personal consumer reports

I called Equifax at the end of XXXX, the beginning of XXXX, XX/XX/XXXX and XX/XX/XXXX there was inquires on my credit file that they stated in the beginning of XXXX that will be deleted in two weeks, the items have not been resolved or deleted. I asked to speak to a supervisor refused because I stated I will be recording the call but they said I cant record the call but they are allowed to record me. The inquiries are given me negative impact on my credit file and they not give the honest information.i spoke to a XXXX from equifax on XX/XX/2024 @ XXXX
Product: Debt collection

I was cancelling my service with XXXX in the first couple of days of XX/XX/XXXX.I asked what amount I owed for the few days of the month of XXXX. The lady told me that they could not compute that prior to the next month 's billing and I would at that time be billed only for the pro rated amount due. When I received a bill it did not have a pro ration. I called then told me they would correct that. When yet another bill came out, it showed a credit for that next month for approximately 90 % of the bill, BUT THEY SHOWED THAT THE ACCOUNT HAD BEEN CANCELLED IN A PRIOR MONTH, AND THEREFORE THE CREDIT WAS GIVEN AGAINST XXXX OWED, AND THEN I WAS BILLED ON THAT SAME BILL FORM the full amount of the previous month, it was shown as over due. ( That would be the month that the credit should have applied to, and it would have shown the correct amount due, and it would be the first time that I was given these figures and therefore could not be considered over due. I wrote a letter which has now been sent to different addresses for XXXX. I have never had a response to my letter, instead I have received pre recorded credit collection calls, the same one approximately six times per day. None of those were ones I could give this complaint to. One call did come in I could not get the number to call which referred to my letter, But no one was repeated where I could answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have SEVERAL unauthorized inquiries on my credit report from Transunion. I have contacted them many, many times seeking a resolution.I have also reached out to all of the creditors. They have no evidence that I have applied for credit with them. I have placed fraud alerts on my report and still receive UNAUTHORIZED inquiries. I have an unauthorized inquiry from XXXX XXXX ( XX/XX/XXXX ). I also have  UNAUTHORIZED/FRAUDULENT inquires from XXXX  XXXX ( XX/XX/XXXX ), XXXX/XXXX ( XX/XX/XXXX ), and XXXX/XXXX ( XX/XX/XXXX ). I have XXXX children and these inquiries are definitely stopping me from getting a mortgage/home for my family. None of these inquiries were made by me. I have no knowledge of them. I have fraud alerts with all three bureaus and it is wrong to still have these fraudulent inquiries on MY files. I have reached out to each company several times and they all say that i need to contact Transunion because they have no record of me applying for anything.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX  XXXX XXXX
Product: Mortgage

Ameris Bank initially reported I had missed the XXXX payment which was paid in advance on XXXX. Now they are saying the XXXX payment is missing they are recommending I pay them again while they locate the lost money which they have already cashed. 

Below is the letter sent to Ameris Bank to on XX/XX/XXXX. I am going to have to make an I sent them 2 payments on this new loan one payment was sent on XX/XX/XXXX and was recorded by the tracker on XX/XX/XXXX for XXXX, the second payment for XXXX XXXX was sent on XX/XX/XXXX and was cashed on XX/XX/XXXX by Ameris this payment was sent to the XXXX location. Please help I can not afford to have his financial burden every month of making multiple payments because they lose the checks. There customer service gives a different explanation every time of which month and amount has been received. I don't want their errors to impact my payment history and it could result in a foreclosure based on their losing payments. 


I am writing because my mortgage payment for XXXX is lost. I sent a XXXX Cashiers Check : XX/XX/XXXX, XXXX : {$1700.00} The bank reports the cashiers check has been cashed. 
The check was mailed to : XXXX XXXX XXXX, XXXX, TX XXXX USPS Tracking number is mailed on : XX/XX/XXXX Delivery XXXX Please see attached a copy of my cashiers check payment stub. 
I am requesting this payment be posted asap and that my payment history not be impacted by your error. Please send me written confirmation of the investigation and the resolution of this important matter. 
I have NEVER had a late mortgage payment with prior lenders. I take paying my mortgage very serious. 
Thank you in advance for your assistance. 
Sincerely, Below is the tracking information from USPS website. 

Get the free Informed Delivery feature to receive automated notifications on your packages Learn More Remove Tracking Number : Your item was delivered at XXXX pm on XX/XX/XXXX in XXXX, TX XXXX. 
USPS Tracking Plus Available
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX  & Account # XXXX XXXX XXXX XXXX Account # XXXX Enhanced Recovery XXXX Account # XXXX XXXX XXXX XXXX & Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX and have violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C. 1666 B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XX/XX/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
Product: Mortgage

This complaint is against Nationstar Mortgage LLC DBA Champion Mortgage. On XXXX XXXX, XXXX, my husband and I paid off our Champion Reverse Mortgage loan by refinancing the loan with a forward mortgage from a XXXX XXXX. We ( my husband and I ) took out the reverse mortgage in XXXX because we were not able to get a forward mortgage from any bank. We received a lump sum payment from the original lender ( XXXX Mortgage ) and made payments every month to XXXX Mortgage and then subsequently to Champion Mortgage to keep our total loan balance from growing exponentially. Even though payments are not required on a reverse mortgage, we opted to make payments. Our payments consisted of interest, and mortgage insurance premiums, with a letter attached explaining how we wanted our payments applied. In XXXX we had to file a complaint with the CFPB regarding our XXXX form for XXXX, we filed a complaint again in XXXX regarding our XXXX form for XXXX, and now again in XXXX we are filing a complaint regarding our XXXX form for XXXX. I sent a letter to Champion Mortgage on XXXX XXXX, XXXX ( 4 months after payoff ) asking for answers to several questions ( copy enclosed ). I received an incomplete response around XXXX XXXX, XXXX. On XXXX XXXX, XXXX I received the XXXX form for XXXX, and it is wrong again! On XXXX XXXX, XXXX I emailed the Customer Relations person at Nationstar Mortgage ( copy of letter emailed enclosed ) requesting a new corrected XXXX form. 
Since Champion Mortgage has all the documentation they need to produce a proper and correct XXXX form for me, there is no excuse for their delays and untimely responses. Maybe when they receive this complaint from the CFPB they will respond appropriately.
Product: Credit card

I brought my truck in for a routine brake inspection and oil change on XX/XX/2023. Upon returning home, I immediately noticed oil leaking from my truck and contacted XXXX XXXX via the service chat. I had to bring it back three times over the course of two months for the XXXX XXXX. Each time I was there, I mentioned the brake inspection. Following the clean bill of health from XXXX XXXX, I drove the truck to South Dakota only to find that the truck had no brakes at all and was spurting oil all over the engine components, causing close to {$10000.00} worth of damage. The truck was deemed unsafe to drive by another service shop and I was told I should bring the truck back to XXXX XXXX. I did so, and over the next several months had XXXX XXXX attempt to repair the damage they caused from their negligence and inability to fix the oil leak they caused from the initial oil change. They charged me for the work after telling me they would work with me on the costs, but the truck is still leaking oil and the brakes system is not functioning properly. I have photos of the truck leaking oil in their parking lot from several occasions where they said they fixed it and it was ready to pick up. I then had to leave it there again for weeks on end. There is still oil residue all over the engine and it smells horrible when it runs. Many other components have failed due to the oil residue. For this reason, I began disputing the charges with American Express and it became quite apparent over the next few months that they were unable to handle the dispute. I had to call in over 40 times from XXXX through XXXX to resubmit documents, re-explain the situation, re-open the disputes, and wait for calls from American Express that never came. This XXXX, I was informed by American Express that they are not able to handle a claim for that high of a dollar amount and I should have sued the dealership in the beginning. To this day, the truck is not able to be driven and now no other XXXX XXXX will work with me to resolve this problem due to me disputing the charges with XXXX XXXX through American Express. In summation, I brought the truck in and paid {$200.00} for an oil change and brake check, they caused an oil leak/lied about the brake check, we were almost killed on the road, then they charged me $ XXXX to attempt to fix what they caused. I contacted XXXX directly, who told me they do not have control over the dealerships, and they recommended going to XXXX  and the Attorney General to file a complaint and get a resolution. The Attorney General then advised me to dispute the charges with American Express, which I had already been doing for 5 months. XXXX Consumer Affairs has since advised me that the dealership is refusing to fix the original damages and/or honor the services paid for by fixing the vehicle. XXXX Consumer Affairs advised me to take the truck to different dealership and pay for the repairs again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with Experian for several months regarding two fraudulent accounts, fraudulent addresses, inquiries, and mix of SS numbers. As a victim of the XXXX  security breach and a Victim Of Identity Theft since 2004. I have sent multiple FTC Reports that validates as affidavit and police reports and Experian refused multiple times to completely BLOCK the XXXX XXXX  Account and XXXX Both Fraudulent according to FCRA 605B completely ignoring compliance.
Product: Debt collection

IQ Data continuously mails me a debt that contains no verification or itemized statement of what I owe, and despite the 5 emails I have sent, I have received no confirmation of my dispute and continue to be harassed by the company without any verification of the debt.
Product: Debt collection

Today XX/XX/2023, the staff at atlas credit came to my work, gave out private information regarding the reason for being there, when I asked her to not come by my job again or I would report her for harassment, she said well pay then and became verbally abusive. Then after she left, I proceeded to get text messages after I asked them to stop contacting me several times. I previously asked them not to contact me at work on my work phone because they were calling every day and I was getting reprimanded for the excessive calls.
Product: Checking or savings account

I have noticed that there have been 4 charges of $ XXXX monthly service fee to my checking account since XX/XX/XXXX. I am disappointed that I have never been advised about it, nor have I given any consent to it. I have been banking with Citi for almost 3 decades without any fees. I'm also deeply disappointed that for 3 decades Citi has been using my funds to make profit for itself at XXXX cost. It is not only inappropriate but also unethical to charge service fee even on top of all that privilege of using the client 's funds for free. 

As I researched this case, it turned out that my account was converted to Citi Priority package ( a name of a predatory product that Citi devised to charge high fees ) without my full knowledge or  without my explicit consent. I was able to revert it back to the regular Citi Baking account ( though I'm not sure if this is the original account setting I had been with for the last 3 decades ) on XX/XX/XXXX with only 1 month fee reversed. 

The mobile chat agent said she could only do one-month reversal as a one-time courtesy, but this is not the matter of courtesy. The account conversion was made without my knowledge and consent, so all the fees incurred during this period was illegal in the first place. It is only fitting & proper to reverse all fees ( total of {$120.00} ) immediately. Anything less than that is tantamount to racketeering. 

The chat agent said it was the best she could do within her capacity and suggested calling the bank, but when I called and got transferred to a supervisor, I had to explain it all over again to no avail. 

I would like to stress that the fee was illegal to start with because the conversion of my original account to Citi Priority package was done without my knowledge and consent. The full amount of total fees must be reversed immediately. This is a typical predatory banking practice. 

Sincerely,
Product: Mortgage

Dear CFPB, I file a complaint against Bank of America last year XX/XX/2020. They had escrow my account for my home mortgage and to pay my taxes. I completed a refinance of the exiting loan with another banking company at the end of XX/XX/2020. My township where I live report that none of the taxes where paid from the escrow account, which total over {$10000.00} in escrow. I am unable to speak with an agent over the phone at the number Bank of America provided me with XXXX extension XXXX, even though I have left messages. I feel it is not right nor fair to have to pay back taxes on a loan that had an escrow account set up to pay the taxes, sewer and water. 
Thank you for your continued assistance to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete XXXX XXXX account to ensure maximum reporting accuracy across all consumer reporting agencies. See attached.
Product: Payday loan, title loan, or personal loan

I received a title loan from this company and paid off the loan on XX/XX/2022. To date, Rapid Auto Loans, have not released my title even though they sent me a letter showing that the loan is paid in full. According to their loan agreement and according to the Florida Statute, this company has 30 days to report the payoff to the DMV and release the title. In fact, the loan agreement, states that they release the title within 10 days from the payoff. I've been given a complete runaround as to when the title will be released. In fact, they informed me that they do not have a timeframe as to when they will release the title. I contacted the DMV supervisor who also called this company and she was told the same thing " we don't have a timeframe when will release the title. '' She also informed me that she was told that this company admitted that they are holding several titles that need to be released. This is absurd. I decided to sell my vehicle and I've lost 3 sales due to the fact that I can not obtain a title due to the company has not submitted any information to the DMV.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX