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

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly UPDATE all information that is inaccurate, incomplete, or which can not be verified.

Under 15 U.S. Code 1666b ( a ), A creditor may not treat a payment on a credit card account under an open end consumer credit plan AS LATE FOR ANY PURPOSE, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be PROMPTLY updated/negated in its entirety.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be UPDATED immediately.

Alleging Creditor and Account as is reported as having a late payment my credit report : XXXX XXXX XXXX  Account # : XXXX Account Status : Closed I have no knowledge of late payments because THERE ARE NONE and all XXXX credit bureaus are showing different dates which again proves inaccuracy. 

I AM DEMANDING THAT THIS ACCOUNT BE UPDATED IMMEDIATELY TO PAID AS AGREED AND NEVER LATE. 

I HAVE SENT LETTERS TO ALL XXXX CREDIT BUREAUS MULTIPLE TIMES!!! ASKING THEM TO LOOK INTO THE PROBLEM AND CORRECT THE ISSUES THERE. THIS INACCURATE INFORMATION ON MY REPORT IS NOW HINDERING ME FROM PURCHASING A HOME AND GOING ABOUT MY LIFE AND IF IT IS NOT FIXED WITHIN THE NEXT WEEK I WILL BE TAKING THIS UP WITH MY ATTORNEY TO TAKE LEGAL ACTION.
Product: Debt collection

I Owed XXXX a bill for {$440.00} I Paid them late on XXXX/XXXX/2015 but then A Bill Collector contacted me ERC '' Enhanced Recovery Company LLC. Later contacted me about the bill they said they would settle it for {$260.00} I Explained I Had paid XXXX The full amount already and sent them a copy of the receipt and then they told me sense it was not a collection it would be removed from my credit after months of waiting it was still on my credit I Contacted them again and they then sent me a letter saying they received my payment of {$260.00} I Never sent them any money I Paid XXXX I Have tried everything with them and have got nowhere!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently numerous collections and inquiries listed on my report that I have no knowledge of. I did not initiate to open these accounts or inquiries, whereas they are a result of fraud or malpractice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was attending XXXX XXXX XXXX when they closed in XX/XX/XXXX. I was then approved for a loan discharge in XX/XX/XXXX ( letter attached ) and it states that with a loan discharge all credit history would be deleted. I've sent multiple disputes to XXXX   and each credit bureau that's STILL reporting and they REFUSE to remove them. This is becoming frustrating because I'm trying to repair my credit and buy a house but these student loans are stopping me. I've called them multiple times and sent certified letters to them with NO HELP. They told me they will keep reporting when they are supposed to delete them as stared on the letter. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I filed a dispute with this credit bureau about UNVERIFIED COLLECTION ACCOUNT on my credit report : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months and this account still shows under investigation. Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-day mark has come and gone without any response from their office. 
. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company as of today. Thank you
Product: Credit reporting or other personal consumer reports

I have noticed some inquiries on my credit report that do not belong to me. I would like to report and dispute these inquiries. Could you please assist me in resolving this matter? ''
Product: Credit reporting or other personal consumer reports

XXXX and equifax not investigating my disputes properly
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a notification from my XXXX account that there was a hard inquiry on my credit on XX/XX/XXXX by Barclays Bank Delaware. I attempted to contact the company with no success as they do not have a customer service department. I did not authorize a credit check nor have I looked for any credit in months. I want this removed from my credit report immediately. They are a scam company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were not opened by me, nor was service received. Please deleted them from my credit report : XXXXXXXX XXXX XXXX. ( The company stated they would delete the account since it was open fraudulently, however they only closed it ) please delete account. The following inquiries were not done by me, so please delete : XXXX XXXXXXXX XXXX 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 want proof that the account and amount owed is my account and the amount is accurate/correct. I also want an original copy of the agreement that was initially signed and agreed upon when the account was opened. If they are unable to provide the information, Im requesting that they remove the derogatory account/accounts from my credit report. Im also asking that if they have charged off, paid off, sold to a 2nd or 3rd party agency, etc. that they provide me with a 10-99. Im entitled to a 10-99 to repot this as income to the IRS. If they fail to do so, I will report the agency for fraud.
Product: Mortgage

In XX/XX/2005 I was put on a transplant list. I had just retired and I only had XXXX After the XXXX claim my premiums trip tripled and benefits were cut by XX/XX/XXXX. With all of the medical expenses, I was forced to refinance and an online broker filled out the paperwork so I would qualify for their XXXX XXXX. I was desperate and sick. I was being charged up to XX/XX/XXXX XXXX % on a house that was under water! The loan was bot and sold many times to different ( Loan Servicing Companies " Debt Collectors '' ) I finally was able to receive a Loan Mod. 
From XXXX ( Really Crooked ) that took about a year and a half! It was affordable at first, but now the interest rate is making it unaffordable again! The loan now is owned by Ocwen Loan Servicing ( More Crooked than Any Debt Collector )! Impossible to deal with! 
In XX/XX/XXXX I sent a Certified Letter & Claim re : The XXXX and the original DEED that was fraudulentl from the start. It was made by XXXX Mortgage in XX/XX/XXXX 
Ocwen has never replied the XX/XX/XXXX Certified Mail. All they have done is send me copies of the original Loan Modification Documents and avoid/ignore the fraudulent claim against them! 
They are stalling because my house is now longer under water and they would love to own it! 
I am now XXXX years old and try to work as much as I can, but I 've had a XXXX, I 've had over XXXX in my lifetime and still do have XXXX removed about every XXXX months, due to a compromised Immune system from trans plant. 
I would sure hate to be on the street at my age and condition!
Product: Credit reporting or other personal consumer reports

I was sent this from Experian. Now someone tell me how can they report scores on my credit if they don't know who I am. Now try to contact them through their response. 
Member ID # XXXX XXXX XXXX XXXX, We were unable to honor your recent request because you did not provide sufficient or legible identification information for us to verify your identity. 

Please send proof of your Social Security number, such as a copy of your Social Security card or a document from the Social Security Administration that displays your name along with your Social Security number. In addition, we will need all of the following information : One copy of a government issued identification card, such as a drivers license, state ID card, etc. displaying your current address, and One copy of a current utility bill, bank or insurance statement, etc.

Please also include the following identification information : Your full name including middle initial ( and generation - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past two years Make sure that each copy is legible and displays your name and current mailing address and the date of issue. We are unable to accept voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. 

List any information that you would like to dispute, and tell us specifically why you believe the information is not accurate. 

To protect your personal information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. 

Connect with your credit day or night for FREE. View your Free Experian Credit Report anytime. Refreshed every 30 days upon log in. No credit card required. Start Here! 

PLEASE DO NOT REPLY TO THIS MESSAGE This notice is systemically generated, and we can not receive responses. 

Experian and the Experian marks used herein are trademarks or registered trademarks of Experian Information Solutions , Inc. Other product and company names mentioned herein are the property of their respective owners. 

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Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2021 XXXX XXXX on different accounts and some did fraud in me and my mom name a lot of credit inquire
Product: Credit reporting or other personal consumer reports

I created a XXXX XXXX account and I had the package that has the information in my car I couldnt find it anywhere week later and they change my login information from my accounts too I couldnt login anymore and I lost my permanent residence card I still havent got it and they start applying for credit cards with my information
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent activity. Please remove as it is hurting my ability to obtain credit. Thank you
Product: Mortgage

I have been dealing with Wells Fargo trying to refianance my current mortgage with them under HARP. They approached me last year regarding my qualifying under HARP. They required that I obtain and pay for out of pocket an appraisal. Now, as we were about ready to close, they are requiring that i change my insurance to " Replacement Coverage ''. I have found that this is virtually impossible in RI on a multi family built prior to 1950. 
They remommended that I contact the Wells Fargo Insurance department. After contacting them I was told that they do not provide insurance for multi families, over XXXX stories, built prior to 1950. Complete waste of time and money.
Product: Mortgage

After months of confirming with the mortgage company that they would pay all my property taxes ( including all the supplemental bills ), they did not pay the first half of the property taxes on time and then I incurred a late penalty. Every single person I spoke to ( over XXXX different people after spending hours on hold ) had no idea what was going on. 

I had to email their tax department separately and never heard back. 

Then mysteriously a large amount was removed from my escrow account, but the property taxes still show unpaid. 

Now comes the second deadline for property taxes and the Tax office says they still did not get the payment. 

I have called the mortgage company multiple times and they still can not give me an answer as to why it is not paid. 

I have to pay them so that they can pay my property taxes, then I have to spend hours and hours for months on the phone babysitting them to make sure they pay, and they STILL do not pay. Now they are putting the almost {$350.00} in late penalties on me, even though they did not pay when they told me they would. 

It is impossible to work with them and I wish I could switch to another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a number of inquires on my credit report that I did not authorize or sign for. I need these inquires removed immediately as it is negatively impacting my credit score. 

XXXX XXXX XXXX  - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX Finance Reseller Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Finance Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX
Product: Mortgage

I was contacted by my insurance ( XXXX ) and was told that the premium has not been paid by my mortgage company ( CMG Financial ). 

I called my mortgage company ( CMG Financial ) customer service to find out why it wasnt paid. I was told that i was not escrowed and i had to pay that out of pocket. So i double checked my mortgage documents and everything said i was paying for escrow. So the customer service agent was incorrect. 

I call CMG Financial again and am now told i needed to send my declarations page for the insurance to be updated. So i did that and waited. 

The insurance was still not paid so i called CMG financial again. A different agent told me that my insurance company put the wrong address on the insurance and they needed to correct it. I called XXXX insurance and they said that the address was indeed correct. 

I called CMG financial again and was now told that the insurance XXXX sent was not Escrow insurance and needed to be changed. I check the documents and thats incorrect because it says " Escrow : Yes '' on the insurance documents. 

Now there is an overage on my Escrow account and they are sending me a check. I beliebe the overage is because i was paying escrow for insurance/taxes and insurance wasnt paid so its overflowed. 

My insurance is about to lapse so i pay over {$300.00} out of pocket for 3 months of service until this gets resolved. 

I call CMG financial again and am very upset. I ask for this to be escalated to a supervisor. They tell me that they will get their manager to work on it. 

A couple days pass and my insurance premium is suddently paid in the original full ammmount for the year. However i already paid over {$300.00} so the insurance balance is less than what they paid. How do i get my over {$300.00} back? 

Today i checked my mortgage account and my monthly payment went down over {$100.00} for some reason unknown. 

I need answers and customer service is no help. I do not want to be surprised by a large payment in the future because CMG Financial is not taking care of my account correctly.
Product: Debt collection

[ Your Name ] [ Your Address LVNV Funding LLC Subject : Dispute of Account # XXXX Dear Credit Bureau, I am writing to formally dispute the accuracy of the information related to account number XXXX associated with LVNV Funding LLC. Upon reviewing my credit report, I noticed discrepancies pertaining to this account. 

I have no not at this account and I asked for a proof and no proof was sent. 

I kindly request an investigation into this matter and correction of any inaccuracies. Im asking that this will be promptly removed from my credit report. 

Thank you for your prompt attention to this issue. Please notify me of the results of your investigation at your earliest convenience. 

Sincerely, XXXX XXXX
Product: Checking or savings account

We operate a XXXX  dollar business that generates XXXX in revenue monthly. All because of an incompetent representative in the backoffice that decided to flag our brokerage account that we wire to on the daily and weekly basis without doing their research, we are losing money by the day. We make XXXX XXXX  weekly, a Gold Preferred Business Checking client, we collect thousands of dollars in echecks from our merchant that deposits into our bank daily. There was a false flag on the payee account that we send our funds to which belongs to us, that millions of others use and that brokerage holds over several billion in assets. A client made a false complaint back in late XXXX or sometime near XXXX XXXX XXXX that caused this whole commotion. They said one bad apple doesn't ruin the bunch well that isn't true in our case. Our deposit for {$64000.00} in a form of echecks was deposited and cleared, now is being held because of the payee we transfer our funds to?? You would think that this clown would look into our extensive account history dating back from XXXX up until now with this payee that everything checks out as legitimate. This person put a hold and useless investigation that not even managers or supervisors in the fraud department can attempt to resolve. We literally run our business on a daily basis and the last 3 days now this person has caused us to miss out on 6-7 figures in weekly revenue. Unbelievable. This is how you treat a business client who has been banking with you guys for over a year due to a false report in the wire system?? Are you kidding me!!? I have already filed a XXXX  complaint as well. I have talked to over six representatives and their supervisors/managers and not even they can resolve the issue. It is not fair that you prevent us from not only transferring but also halting our business from collecting the echecks? Our clients are wondering what the XXXX is going on as the funds have been collected and we have not responded to the status of their orders. We are still recovering from this financial crisis and this person that is " investigating '' and puts their own notes is preventing us from moving forward. Our balance is now depreciating rapidly and will soon be negative thanks to the " Smart '' person in the department that claims they are trying to protect us which in reality is hurting us. This needs to be addressed now, we love this bank but those are all swaying to the other side now due to just one XXXX  person.
Product: Money transfer, virtual currency, or money service

On or around XX/XX/, I received notice from CashApp that my account was closed due to a violation of the Terms of Service. Since I depend on CashApp to send and receive funds to and from immediate family members in emergencies, I was alarmed and unaware what could have triggered the sudden closing without warning. The only thing I could think of was unauthorized charges being made through CashApp, which I am unsure how those charges are even being made. I contacted CasApp customer service and provided them with information they requested to assist in investigating the sudden closure. After not hearing from CashApp after a few days, I checked on the progress of the complaint and was given a case number and told that the issue has been escalated. After not hearing back from customer service, Ive reached a couple of more times and was given the same answer that the issue has been escalated and has not received a timeline on when this will be resolved. CashApp, at the least, should inform users why the account was closed along with providing a timely resolution to the dispute.
Product: Credit card

Refer to the attached documents. I want the bureau to initiate an investigation into these accounts, as I have never been late, yet they are reporting me as such.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A credit card was opened in my name from Best Buy when I was XXXX years old. It has been negatively affecting my credit for years and shows I owe thousands of dollars. I recently checked my credit and was appalled Best Buy has been charging me for years without any notice to me or my guardians.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 


15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without written consent.
Product: Checking or savings account

I am demanding Chase bank to give me all transactions in XXXX that I made for {$1600.00}. I need the location, time, how made, merchant if any of all transactions for XXXX in XXXXIf there isn't any well that's ok but I need either one in writing. So what I should receive are transactions of XXXX on paper or email or a letter stating that there is no transaction for XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. 
I want these items deleted from my credit report effective immediately. 
I am attaching proof that the Consumer Financial Protection Bureau ( CFPB ) has admitted that I was in fact a victim of this XXXX XXXX breach and they have deleted the accounts below.