23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate personal information, negative accounts and 2 late payments reported on my credit report. To this day over 60 days later I have not received a response yet. I sent letters to all 3 bureaus, I am being wrongfully accused of these delinquent, charged off accounts. This represents myself as an irresponsible individual. I'm being taken advantage of and being ignored of my disputes, which is costing me my life. No apartment is willing to accept my application, no mortgage lender will provide me home loans. I am STUCK for something they reported inaccurately!!! 

Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 

Account Name : XXXX XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX XXXX  Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX XXXXXXXX XXXX  CARD SERVICES Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXXXXXX XXXX XXXXXXXX Account NumberXXXX Inaccurate payment history reported, REMOVE Two - 30 Day Past Due remarks reported immediately ( XXXX, XXXX & XXXX, XXXX ) I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I attempted to change auto insurance providers and was informed that I was going to be charged extra every month because LexisNexis Consumer Report is reporting that I have a comprehensive insurance claim on my report from XXXX. I reached out to my insurance company from XXXX XXXX XXXX who confirmed with me that I had no insurance claim against me during the timeframe. I have attempted to get me consumer report from LexisNexis, which failed, I have submitted questions to LexisNexis online, which failed. I have called LexisNexis and discovered that there is no way to speak to a company representative unless you select an the option to become a business partner with LexisNexis. As soon as the representative determines that you are not trying to form a partnership with LexisNexis, you are transferred to the on hold queue and nobody ever answers the phone. This incorrect consumer report is costing me money every month and there is no way for me to get the data updated. LexisNexis appears to be a government sponsored scam. 

LexisNexis XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

An account was opened in my name with American Express. I did not open that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, has violated my rights.

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

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without written instructions from me.
Product: Credit reporting or other personal consumer reports

I pay my bills on time, I know this for sure. I don't understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account ending in XXXX does not belong to me. It is currently reporting as a charged off account. My correct account with XXXX XXXX is in good standing. I do not know where the charged off account originated from. I demand the erroneous account information be deleted immediately. 

Thank you for your assistance with this matter.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They have violated my rights. 15 U.S.C. 1681 Section 602 states A states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) 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

XX/XX/XXXX contacted XXXX with Disputes for XXXX XXXX. She advised I do not have any late payments with them and did not know why Equifax was showing a late XXXX payment. Filed a dispute with Equifax. They replied back that XXXX computers sent that I do have 1 late payment.Tried talking to Equifax on XX/XX/XXXX. Advised them XXXX  and XXXX  show no late payment, why wont they correct this. I filed a complaint with you { CFPB } on XX/XX/XXXX but never heard back. Tried talking to Equifax again on XX/XX/XXXX but they still will not remove a XX/XX/XXXX late payment for XXXX XXXX which does not exist.. XXXX  can be reached at XXXX
Product: Debt collection

I had XXXX at XXXX hospital on XXXX/XXXX/15 and received confirmation from my health card provider on XXXX/XXXX/15 that they provided payment in full. Since that time I have been contacted by XXXX, XXXX collection agency and now Paragon collection agency. Each time a new collection agency contact was made I provided the explanation of benefits to the company but Paragon is telling me XXXX XXXX XXXX explanation of benefits was incorrect ; I asked for proof that I owe the debt but they said that was not up to them to provide. This has now been credit reported by Paragon and my credit score has dropped by XXXX points. I submitted a complaint to XXXX and they came back and said Paragon states I owe and they closed my complaint. Again, no proof. What must I do to correct? I have never had any collection debts before and this has already resulted in me getting a letter from XXXX that they are closing XXXX of my credit card accounts. 

Thanks for your help
Product: Consumer Loan

I went through this awhile back, Bank of America lost my mortgage to the tune of $ XXXX.They would not do anything to set it right. They were to busy because they were selling a Bank in XXXX. The other Bank was a shady one also. How can the XXXX let this go in our country. Got to go now steamed up again!
Product: Credit reporting or other personal consumer reports

Putting aside all the other issues I have had in relation to this company, Velocity ( XXXX XXXX XXXX XXXX ) will consistently make false statements on my credit report. I have had to dispute it multiple times before until they corrected it. Now, I have resolved the debt with another third party creditor ( XXXX XXXX XXXX ), who is servicing this account on their behalf. 
XX/XX/24 : I called XXXX XXXX XXXX and made a payment in response to a letter stating that " The creditor listed below is offering you the opportunity to resolve your account with a one time payment of {$2500.00} '' - this is the payment I made. 
XX/XX/24 : I called both XXXX XXXX XXXX and Velocity to confirm that this account is indeed closed and resolved. They confirmed as much. 
XX/XX/24 : I disputed my credit report so that they would update the accounts that are listed in relation to the original account- there are XXXX accounts that are negatively affecting me listed on some of the credit bureaus for XXXX single collection account. This was my XXXX dispute after I made the payment but I had finally asked to be supplied with a formal letter since they ignored my first request and did not change anything ( even though they already had this information, per XXXX XXXX XXXX ). 
XX/XX/24 : Velocity sent back the collection, showing that a recent payment was made, but still showing that the collection account is open. 
Velocity needs to act appropriately and update the account to current standing. 
Additionally, unrelated to this submission, but I have multiple voice messages saved where XXXX called me and said detailed information without disclosing the debt collection statement. I had never picked up this phone with them before, so they would have no idea this is my phone, except via a XXXX XXXX. Either way, this is very much illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Nieman Marcus/capital one credit card and I pay the bills every month regularly. we receive paper bills from mail. my account no with them is XXXX. 

I didn't receive my paper bill in XX/XX/XXXX ( XXXX be lost by mail XXXX ), so didn't make a payment in XXXX as I was not aware of any payments. But when I received the bill in XX/XX/XXXX, I paid in full around {$160.00}. but they charged me interest of around {$36.00} for late payment. I wrote a letter to them explaining the situation that I never received the bill in XXXX and I paid it off when I received the XX/XX/XXXX bill. I even called and explained to them the situation. But they would not cancel the interest charges. so I closed the account in XX/XX/XXXX. 

But to my surprise, they reported me to XXXX XXXX XXXX XXXX as delayed payment. and kept on charging me interest which is now {$110.00}. I called capital one again on XX/XX/XXXX and tried to work out with them about deleting the late payment and cancelling the interest charges. they told me that even though they understand the issue here but they wont chage the credit reporting or cancel the interest. 

we are a well to do family and my husband is a XXXX, so we don't have issues paying our bills. we always paid our bills regularly without any default. in this scenario, we didn't receive the bill in the mail to pay it off. 

so please help me to get the late payment off my XXXX record and cancel all the interest charges on the closed account
Product: Credit reporting or other personal consumer reports

I believe these accounts involve fraudulent hard inquiries that were not authorized. According to the FCRA, hard inquiries can only be made with the express consent of the consumer. Any improper or fraudulent use of hard inquiries violates my rights under FCRA 604 ( 15 U.S.C. 1681b ). I have not requested any credit or any accounts and do not recognize any of these inquiries on my report and have been victim of identity theft and data breach.

I have attached a copy of my FTC report, drivers license and pay stub for address verification. 

For the inquires below please delete them from my report within 4 days of receipt of this information or lawful action will follow. 

Inquiry from XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX  on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 or other personal consumer reports

I am writing to formally request the removal of a bankruptcy notation from my credit report. I believe this entry is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which outlines the permissible purposes for which consumer reports can be furnished. 

I have not provided written consent for the inclusion of this bankruptcy on my credit report. According to the FCRA, consumer reporting agencies are only permitted to include information on a credit report if they have a permissible purpose, which includes obtaining the consumers consent. Since no such consent was given, the inclusion of the bankruptcy entry on my credit report is unlawful. 

Please investigate this matter and provide a resolution by removing the bankruptcy notation from my credit report immediately. I also request that you provide written confirmation of the removal and an updated copy of my credit report reflecting this change. 

If this erroneous mark is not removed from my credit report, I will be left with no choice but to pursue legal action to protect my rights. I will take this matter to court and demand damages for the harm caused by this unauthorized reporting. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$270.00} XXXX XX/XX/XXXX This is a fraudulent account opened in my name. I have never had anything in my name. 

XXXX XXXX XXXX {$420.00} XX/XX/XXXX This is a fraudulent account opened in my name.
Product: Mortgage

My mortgage was sold to Specialized Loan Servicing late last year. I signed closing documents yesterday to refinance the mortgage. One reason I refinanced was to get away from this company. I had grave concerns about it from reading reviews on XXXX. And now I fear I 've become a victim. 

I just read the HUD-1 closing statement line by line ( which I unfortunately did not do before signing it yesterday ) and in the payoff information, XXXX claimed a " late charge balance '' of {$150.00} when in fact, my transaction history with SLS shows NO late charges, ever. They also have charged me XXXX separate {$25.00} fees just to provide the payoff information to the new bank. 

The payoff also includes " 5 extra days '' of interest beyond the date the loan will be funded. I do n't know if this is legal or not. 

Someone needs to investigate and put a stop to this blatant fraud. I fear I may be stuck paying the bogus charge because I signed the document yesterday before noticing the charge, because the new bank has told me that I have to " take it up with them ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX, that you investigate these accounts. 



XXXX XXXX. XXXX, XXXX I never made a late payment on this account, please correct. XXXX XXXX I never made a late payment on this account, please correct. XXXX XXXX I never made a late payment on this account, please correct. ACCEPTANCE NOW XXXX I never made a late payment on this account, please correct. 

I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically XXXX XXXX sections XXXX ( XXXX ) and XXXX requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Merchant credit guide ( original creditor : XXXX XXXX ) is not reporting the correct payment history nor the original balance. This discrepancy is tarnishing my payment history along with account balances. There should be no balance remanding on this account due to my insurance paying for my treatment and my co pay with my insurance provider. I don't owe XXXX a separate balance. I walked in for a stomach ache and was discharged the next day with no post visit medications. Attached is evidence of the true total account balance and payment details. Merchant is not reporting any payment history on this account and its illegally damaging my consumer report. Please remove this account for the incorrect discrepancies.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act, This creditor has violated my rights under 15 USC 1681, SECTION 602 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 an account witout my written instructions, Under 15 USC1666 b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$1800.00}, {$9000.00}, {$270.00}, {$1300.00}, {$900.00}, {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

-- AUTO ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account.
Product: Mortgage

Specialized Loan Servicing " impersonates itself '' as XXXX -intentional misrepresentation of material facts, 1692e and possible mail fraud under 18USC 1341. 
Please see attached. [ Exhibit on the purported " trustee 's deed upon sale, '' scan XXXX, will be sent via fax. Unable to upload due to size of file. ] Thank you for your help in upholding and enforcing Federal consumer protection laws.
Product: Mortgage

I currently have a mortgage loan through PennyMac and have been generally happy with their servicing up until. I refinanced in  XXXX   XXXX  to a lower rate after having the property tax rate for my house increase significantly. Everything seemed to be OK.     However, out of nowhere my monthly payment went from {$2000.00} to {$2200.00}. This is for my upcoming payment due on  XXXX   XXXX ,  XXXX .     When I checked with PennyMac they said that it was due to taxes and homeowners insurance increasing. However, I have not received any notification of change in my property tax rate for this year, nor any change in my homeowner 's insurance. Furthermore,  PennyMac  said that there was a shortage in my escrow of {$1000.00} that they needed to make up. I do not know how there is a shortage in the escrow, if they just went through a refinance with me a year ago. It makes no sense and I feel like they are taking advantage of me.     Finally, I just want to say that they were less than transparent about this change. While I commend them on their alerts that they use to send statements and notices that my mortgage is due, they provided ZERO notification about this change until I saw it on my monthly statement. After I asked about it, they added some form to my online system and said they would mail it ... but come on. If this was a legitimate increase, they would have known about it for some time and could have at least provided me with a little more notice and explanation about such an increase.     While {$140.00} per month may not be a lot to some people, for a middle class family of  XXXX , that is a considerable amount that impacts my family 's monthly budget.
Product: Credit reporting or other personal consumer reports

Experian is violating my federally protected consumer rights and committing fraud.