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

In my experience, I have encountered the following issues with my disputes : XXXX. Limited Dispute Submission Process : Your process for submitting disputes restricts my ability to fully and clearly describe the inaccuracies I am trying to resolve. This limitation has prevented me from providing sufficient detail to ensure a complete and accurate investigation of my disputes. 
XXXX. Failure to Review Submitted Information : Despite submitting supporting documentation and relevant information to help clarify and resolve the disputes, I have found that Equifax has often failed to consider or review the materials I provided thoroughly. In many cases, my submissions appear to have been either ignored or not given proper weight in the dispute resolution process. 
XXXX. Failure to Meaningfully Review Furnisher Responses : In instances where you forwarded my dispute to the furnisher for investigation, I have observed that you did not adequately assess whether the furnishers response was consistent with the information I provided. Furthermore, at times, contradictory information seemed ignored, and the dispute was resolved based on incomplete or inaccurate responses. 
XXXX. Confusing or Contradictory Correspondence : I have received letters from Equifax that contain conflicting statements regarding the status of my disputes. For example, I have received letters that simultaneously state, This has been verified as accurate and This item has been deleted, creating confusion and uncertainty about the resolution of my disputes. 
Despite my repeated attempts to resolve these issues, inaccurate information remains on my credit report, which is having a negative impact on my creditworthiness.
Product: Mortgage

On XXXX XXXX, 2015, my wife and I met with a Bank of America mortgage loan officer to apply for a refinance our house. We were told that would not be a problem. The following day I brought all documents requested. After placing several phone call to find out the status I called the branch 's general manager, she called the loan officer 's manager and the following day the mortgage loan officer called me XXXX XXXX XXXX ) to tell me that I was XXXX or XXXX payments late in the last 24 months. When we met with him to formalized the application that should not be a problem to obtain the refinance, he asked us if we have been late in our mortgage one month in the last 12 months, the answer was no, then a day latter he requested banks statements for the last 24 months and the he said that in our credit report shows that we were late XXXX or XXXX payments late that would be very difficult to obtain the refinance but that he has someone else who can help us. Also the mortgage officer mentioned that he met with the underwriter and now via e-mail his manager is saying that the my application has not been submitted and if I want them to do so, i need to come up with {$450.00} for the appraisal of the house. I have request in multiple occasions to be provided with a letter stating the reason ( s ) of the denied, all my documents back and a copy of the application and also a copy of our credit report and to this day I have nothing. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter to Transunion regarding unverified accounts listed on my report there response was they could not find either of the two listed as unverified I they are XXXX and XXXX XXXX XXXX  there the same company listed twice only report I am submitted t them both f go there TransUnion for deletion. They claimed they investigated but wrote me back stating they did not hAve t them listed with them I know this is incorrect information by them please review the following. 
I appreciate your help and this dept for there attempt in a resolution Thank you XXXX XXXX XXXX
Product: Debt collection

To Whom This May Concern, I am writing in regards to an alleged debt of {$1000.00}. I have reason to believe I do not owe this debt and may have been a subject of identity theft. I recently checked my updated credit report and noticed a collection opened on XX/XX/2021 from XXXX. It was assigned to a collection agency, Southwest Credit System located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I looked further into the charge and it was charged to the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; however I have never resided at that address to be charged for the open account, nor have I agreed to anything with this creditor. I have always resided at XXXX XXXX XXXX XXXX for over 10 years. I haven't been provided with verification or documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was recently denied credit due to incorrect reporting and failure to verify/validate the information on my credit report. The incorrect, incomplete, and misleading information on my consumer report has impacted my credit worthiness, credit standing, credit capacity, character and general reputation.

A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, we are requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ).

15 USC 1681s-2 ( a ) ( 7 ) - Negative Information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

XXXX XXXX XXXX XXXXXXXX Late payment XXXX-Please see bank statement reflecting ( 2 ) payments in XX/XX/XXXX - ( XXXX XXXX AND XX/XX/XXXX, XXXX This failure to validate/verify the negative Item from the furnisher has resulted in a denial of a recent loan application. 

XXXX and XXXX failed to notify me- ( the consumer ) in writing of this negative information stated by law noted above. 

XXXXXXXX XXXX Acct # XXXX 30 day Late payment reported XXXX XXXX reports XXXX XXXX REPORTING INACCURATE DATA AND XXXX FAILED TO VERIFY/VALIDATE NEGATIVE INFORMATION ON MY CREDIT REPORT AND PROVIDE NOTIFICATION OF NEGATIVE INFORMATION ON MY CREDIT FILE CAPITAL ONE Acct # XXXX Account Opened XXXX XXXX history INCOMPLETE-missing ALL of XXXX and XXXX XXXX, 30 day late XX/XX/XXXX and XXXX XXXX can the payment be marked 30 days with no data available for other months in XXXX?
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year> & XXXX Date of Inquiry XX/XX/year>
Product: Credit card or prepaid card

Minimum payment increased unexpectedly and extremely high, with no notice, I've never had a late payment and have a good credit history. Minimum payment increased to XXXX, and the interest rate is XXXX monthly.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims. I was informed that recovering lost funds was not possible. The CFPB 's findings indicate that Zelle not only neglected to protect consumers, but also allowed repeat offenders to exploit the system.
Product: Money transfer, virtual currency, or money service

My bank institution and Zelle failed to adequately investigate my claims.
Product: Vehicle loan or lease

In XXXX of XXXX I went into XXXX XXXX XXXX XXXX  looking to trade in my vehicle. I left the same night with a used XXXX XXXX XXXX XXXX and left my XXXX XXXX there as a trade in. Weeks later I was contacted by a man in the finance department saying I needed to come back up there and sign more papers because the loan did not go through. He began to hound me for new paystubs and I let him know that I had switched jobs.. I was helping a friend out at their music studio. He told me those check stubs would not work and that they looked fake and he could call the cops on me for fake stubs.. Basically attempting to scare me because of THEIR mistake! I checked with the bank my XXXX XXXX loan was through, and they had already paid off the loan on my trade in. So I then asked him where my trade in was because at this point if you cant get me approved and its been weeks just give me my car back and take yours back. He then told me it was gone. Great. So now theres no XXXX XXXX to give back to me & theres an unfinanced XXXX XXXX nothing gets resolved. Fast forward to months later XX/XX/XXXX I am contacted by a XXXX finance person. He says hey come up here I need you to sign these papers. When I get to the dealership I ask where the other finance guy was. I was told he was fired for not handling things properly with not just me, but several other customers as well. I was told if I wanted to keep the car Id have to sign and finance it but what other choice did I have? Theyd already SOLD my trade in! So now Im stuck in a terrible auto loan that I feel I was pressured into under false pretenses. I have copies of text messages ( from both finance guys ) as well as my contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of and this simply is NOT fair. Section 511 ( a ) it clearly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them ASAP. I demand these accounts be deleted immediately or I will be forced to take action with the FTC. This has been truly stressful. My information was also impacted by the Equifax data breach and may have somehow gotten into the wrong hands. No matter what I need them to remove these inaccurate things from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in XXXX, XXXX, said they could help me reduce my mortgage payment considerably, lowering the interest rate and possibly eliminating behind payments via a Loan Modification. For over a year, their promises of assistance were wavering. They had me to file what they said would be " fake '' bankruptcies, and they would only be on my credit for two or three weeks. Definitely, this was false. I paid them {$4000.00} and they totally mislead me. 

I tried to contact them several times and discovered they were out of business. They scammed ppmany people out of thousands of dollars. ( XXXX XXXX-ADDRESS IS AT THE BOTTOM OF THE PAGE ) ______________________________________________________ Rushmore Loan Management Services XXXX XXXX XXXX, XXXX XXXX RLMS is charging exorbitant interest on the home loan, which was supposed to be a Loan modification. ( {$150.00} for the principal and {$1200.00} for interest. I am a retired XXXX on a very strict budget, and I am also a widow. I need a reduction in my mortgage payment. 
_____________________________________________________________ XXXX XXXX, Director XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number : XXXX I previously disputed this account with XXXX/XXXX XXXX on ( 2 )  occassions over the last 9 months.I wrote to the creditor on XX/XX/XXXX as soon as I was aware that they were reporting an unknown account on my credit file ( see attachment # 1 copy of my letter ) I received no reply from the creditor therefore, I wrote a second letter on XX/XX/XXXX which is over the 45 days that they are required by law to respond ( see attachement # 2 copy of letter and certificate of mail receipt ) I received a reponse from the creditor on XX/XX/XXXX where the creditor stated that the account was  sold to XXXX XXXX and that is whom I am to contact. I contacted XXXX XXXX who proceed to take of the fraudulent account from my ( 3 ) bureau credit files ( see copy of letter received from XXXX/XXXX  XXXX ) and had promised to make the ( 3 ) reporting bureaus aware On XX/XX/XXXX I reviewed my credit files accessed from Experian and to my suprise I see that XXXX/XXXX XXXX have resumed reporting this fraudulent account although I have disputed it with the company it was sold to and now it back reporting inaccurately on my credit files. I have been a victim of Identity Theft and pursuant to the FDCPA and FCRA I exercise my rights to full validation of this account which must include a written agreement bearing my signature and identification you used to process and open this account be sent to me via the CFPB portal.
Product: Mortgage

In XXXX we received a notice from our county treasurer that our second half taxes had not been paid in the amount of {$3600.00}. Taxes are paid twice a year by our mortgage company, PHH, through our escrow account. We notified PHH, they recognized the issue and paid our taxes as well as the interest and penalty assessment. In XX/XX/XXXX, we received our escrow statement indicating that there was a negative balance. Upon review, of their document, it clearly indicated that they had disbursed funds from the escrow account twice for the amount of the tax due. After numerous phone calls over many months, PHH finally recognized the error and added the funds back to our escrow account. We received a letter informing us of this on XX/XX/XXXX. Our loan was purchased by XXXX, in XX/XX/XXXX. Our initial payment statement from XXXX showed a delinquent amount of {$3600.00}. We have repeatedly tried to get resolution of this matter with XXXX. XXXX has told us that this is a problem with PHH and that we need to work it out with them. Upon contacting PHH, we have found them to be unresponsive, although we have made repeated attempts over 5 months. However, we did receive a document ( attached ) indicating the disbursement of the taxes twice in XXXX, that the funds were advanced back to escrow XX/XX/XXXX, but a fee was assessed of {$3600.00} that they are unable to waive. We are attaching 2 copies of escrow statements from PHH, one from XX/XX/XXXX and one from XX/XX/XXXX, that appear to differ as well. Also, attached is our mortgage statement showing this item as delinquent and default related charges. Enclosed are documents to support the commentary above. Additional documents are available upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and Im submitting this complaint on behalf of myself and nobody else. On XX/XX/2021 I mailed a dispute letter to Equifax about multiple inaccuracies being reported on my credit report and Ive yet to hear back from them in regards to my dispute.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am submitting this formal dispute regarding inaccurate information on late payments reported on my credit file maintained by TransUnion for the account XXXX with XXXX XXXX  XXXX. Despite sending previous requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), no action has been taken, which violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Non-Compliance Under 15 U.S. Code 1666b, creditors are obligated to provide periodic statements at least 21 days before a payment 's due date. The erroneous reporting of late payments on this account indicates a failure to adhere to this requirement. Furthermore, 15 U.S. Code 1681i compels credit reporting agencies to ensure the accuracy of information in consumer records, which has not been upheld in this case.

TILA Non-Compliance The Truth in Lending Act ( TILA ) stresses the importance of providing accurate and timely disclosures to consumers. The incorrect late payment reporting has unfairly damaged my credit score, thereby breaching this obligation.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act also mandates that creditors issue timely statements to avoid unjust penalties to consumers. The late payment reporting discrepancies on my account suggest a failure to meet this responsibility, resulting in unfair damage to my credit.

Discrepancies in Payment Reporting For the account with XXXX XXXX  XXXX, the following discrepancies have been observed across the credit bureaus : TransUnion : The account incorrectly reports a 30-day late payment in XX/XX/year>, a 60-day late payment in XX/XX/year>, and a 90-day late payment in XX/XX/year>. These reports are inaccurate, as all payments were made on time and the account was on autopay. 
Recurring Errors The persistent incorrect reporting of late payments across TransUnion, XXXX, and XXXX reflects a pattern of inaccuracies. These late payments have been wrongly reported even though my payments were made on time and the account was on autopay. 
Request for Immediate Resolution I request that these inaccuracies be promptly corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to reflect my actual payment history, which is 100 % on-time. If this issue is not addressed within 30 days, I will pursue further action, including legal steps and filing additional complaints with regulatory agencies to safeguard my rights as a consumer. 
Thank you for your swift attention to this matter. I look forward to receiving written confirmation of the resolution. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

National credit systems inc, sent me a letter stating I owed {$190.00} in behalf of my old apartment complex-XXXX XXXX but I contacted my apartments and they said I didnt owe anything.
Product: Credit reporting

I have payed my XXXX bank credit card down to XXXX and Credit Karma still says its at XXXX. Ive cancelled my XXXX bank credit cart and Credit Karma still says that the card is open and valid. The information on my credit report is updated according to Credit Karma and is rarely accurate. This is partially effecting my credit score.
Product: Prepaid card

AMEX advertises that the pre-paid card is widely accepted online and in-person everywhere. However, I have been trying to use this card and have been getting declined everywhere both online and in-person ( this is especially frustrating and embarrassing ). I've reached out to AMEX about this a few times, and the advice I received is to try other stores. This is false advertising and not at all the experience I had hoped for.
Product: Debt collection

This Debt reflects on my credit reports with Trans Union LLC, and XXXX credit bureaus. Its reflects as Collection. Charged Off. In the submission of this complaint, Per the Fair Credit Reporting Act 15 USC 1681, and the Fair Debt Collections Practice Act 15 USC 1692g. 

I request that collection agency send me debt validation letter. Alone with evidence of Assignment contract Agreement letter, and Purchase Agreement letter. As, sdtated on my credit files if the debt was showing collection/charged off or discharged. Then the debt is then radicated thus by law is not collectable by law if discharged. 

And, if it was charged off/ discharged I then request a copy of the 1099-C letter. As verification to show the IRS this debt as income to be reported to the Internal Revenue Service. 
I request that the accounts be deleted of removed, from all my credit reports Per Federal Law.. 

I am filing this report as a copy of my debt validation letter to the collection agency. And are creditor whom charged off or discharged the debt with proper documents and that a cease and desist of collections of this dent stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries i didn't authorize & is REPORTING INACCURATELY : Experian reporting the following : - XXXX XXXX XXXX -DATE : XX/XX/XXXX -XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE XXXX XX/XX/XXXX -XXXX XXXX XXXX - DATE : XX/XX/XXXX XXXX reporting the following : XXXXXXXX XXXX XXXX : DATE : XX/XX/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. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 
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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

do to the XXXX XXXX giving false pre-approvals, in which resulted in denials also caused many inquiries on my consumer report. The inquiries are effecting my chances of getting approved for any opportunities available to better my livelihood and the way of life.
Product: Checking or savings account

Citizens Bank cashed a check with no signature that was also post dated by a month. I am listed on the account and also have POA on the account. I have contacted Citizens Bank 8 separate times to get my mom 's money back for {$90.00} since she never signed the check. The bank was unresponsive, but most of the employees agreed it was clearly a bank error that allowed the check to cash. Citizens said the bank was presented to XXXX, so it is XXXX ; XXXX fault and they can do nothing. I made a video here : XXXX XXXX XXXX The last call was to the Chairman of Citizens Bank 's office and the record, single party consent, it on the linked video where they refuse to reimburse the account.
Product: Credit card or prepaid card

I had a chase amazon rewards credit card where I was making a XXXX dollar minimum payment. I had gone through financial hardships and hard really struggled to make payments every month.
Product: Student loan

I have a loan balance of $ XXXX with Navient. Every time I have called, I get the wrong information regarding my payment plan, Im told they didnt receive my paper work to lower my payment, and this has caused me not to pay. I am not going to pay until my payment is correct. Ive called them several times about my payment plan and Im getting the run around about the plan from different reps.