23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2018, I posted a regular monthly payment for {$910.00} for my bill due XX/XX/2018. I received a receipt from Mr. Cooper indicating they acknowledged it was a regular monthly payment. 

However, they used the money as " additional principal '' instead of as a monthly payment. This seemed like a deliberate tactic to get me to fall behind on my mortgage despite me being a responsible borrower who makes every payment. 

I received no contact from the company addressing what they had done or explaining why.
Product: Credit reporting or other personal consumer reports

I recently had a account appear on my credit report that I do not recognize or have any affiliation with. I have submitted police reports to to the 3 major credit bureaus and have been stone walled at every turn. 

I have called the original creditor and the bureaus alike and have never gotten the response that is required by law, which is Removing this invalid account. I am from the XXXX XXXX where both my first and last name are very popular seeing as it is a XXXX name. I myself have met many XXXX XXXX in passing that are around my age and can verify it is a very common XXXX name. 

I have contacted XXXX and have been told this account is not on my credit profile and they can not verify it but for some reason it is still appearing on my credit report on XXXX and XXXX which I do not understand seeing as I never opened a account with Capitol One EVER in my life. Under the FCRA I have been advised that these accounts are to be investigated prior to appearing on my credit report and that never happened which is a violation to my consumer rights and I DEMAND this issue be resolved by removing it from my credit report. The reporting companies have the responsibility of ensuring all information being reported is 100 % accurate factual and valid and that has not happened. Remove this account from XXXX and XXXX Immediately as it is my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have

a 2 part complaint about the same company. 1 ) This complaint is about two accounts from the same company in concern of what's being reported on all 3 of my credit reports. From my understanding, they are past the Jurisdiction for negative reporting and also trying to stay active for much too long. It is being reported by EDFINANCIAL. From my understanding, these have passed the Jurisdiction for negative reporting. They both have the same open date of XX/XX/XXXX. One account is an ESA-ED account ending in XXXX and is closed ( with an active date that doesn't end until XX/XX/XXXX! ), and the other one ends in XXXX and has a balance of {$580.00} and reports until XX/XX/XXXX! ). 

2 ) Throughout the life of the loans mentioned in this complaint, I have XXXX  twice for a total of 27 months, and I had a XXXX XXXX   happen, that caused me to be XXXX  XXXX  from the XXXX. In terms of dealing with this company, veteran 2 years shy of a decade, they made things so difficult. When I joined the United States XXXX in XX/XX/XXXX and I enlisted for the XXXX Loan Repayment Program ( which pays loans as long as they don't exceed {$65000.00} ). Upon my second XXXX, I noticed that the XXXX did not uphold their end of the deal in my enlistment and had to contact them. Fast forward to recent times, in trying to remedy it, they made things so difficult in terms of trying to understand why I have this OLD balance when I enlisted for the payment to be taken care of. I did everything they asked, contacted XXXX HR, and got proof of payment, sent in my XXXX with my XXXX years. If it weren't for some things I had stowed away at my grandmother 's house, I may have never found orders. It was nearly impossible to reach out to my prior unit, and I had to depend on the possibility that any soldiers that may have to know me from XX/XX/XXXX-XX/XX/XXXX may be there, and say they remember and recognize me and see if they had a copy of the orders. How is that fair, you can't assume that all soldier with in the same unit remain in contact with one another indefinitely, because that is the only hope one would have in matters like that. 

I also tried to ask, what were my rights XXXX, because I had a XXXX XXXX  and was not able to work for a while, and that I had supporting documents, they told me, that I should've said something when it happened. When I asked " how could I, I was XXXX  and going through a lot XXXX  and was in and out the hospital for a while, I wasn't able too, but I have supporting documents orders and medical records '' the response was the same. How is someone thinking about these things when they are XXXX  and getting medical treatment.
Product: Credit reporting or other personal consumer reports

my credit has merge with someone elses on transunion. i called and checked address and there were accounts on my file that didnt belong to me.this is only transunion. im not sure why its taking so long to correct this informatiion.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries that are reflecting on my report that i did not authorize XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had gap insurance on this CREDIT LOAN for a vehicle. When the car got repossessed it was paid in full through gap insurance. This is becoming a huge liability and really hindering my credit. At this point I will seek to sue for damages as this has been reporting for 9 years!
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at personal credit card account opened at XXXX opened on XX/XX/XXXX and unknown account opened at XXXX XXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

USAA reduced the interest rate on our savings accounts from the already penurious 0.5 % to 0.01 %, the same rate as checking accounts, with no express notice. At the same time, USAA vanished the interest rate from the account page, so it was difficult to detect and persisted I don't know how long before I realized it. Worse, when pressing " View Rates '' on the website, the user is sent erroneously to the " open new account '' page ; the rates again were concealed. An agent acknowledged this " system error '' but refused to say that it would be corrected. Meanwhile, USAA created a new form of savings account called " Performance, '' which has higher interest rates. But USAA persisted in letting my spouse and I think that our money was in a most advantageous " savings '' account, which in fact was the same as checking, and never invited us to reclassify our accounts as " Performance. '' This is plainly a deceptive practice intended to exploit existing customers.
Product: Bank account or service

I was solicited to open a consumer checking account ( The Citibank Account Package ) on XX/XX/2016 with a promise that I will be offered {$400.00} cash bonus, if I deposit {$15000.00} within XXXX days of opening the account ( Exibit # XXXX & XXXX ) I did open the account on the same day and deposited the required {$15000.00}. After opening the account, I double checked the offer terms and whether it was applicable to the newly opened account ( Exibit # XXXX ). Following the XXXX days as per the terms, I again contacted CitiBank to confirmed that my deposit of {$15000.00} qualified for the {$400.00} cash bonus XXXX Exhibit # XXXX & XXXX ). It has been more than XXXX days, I have not yet received the {$4000.00} cash bonus. Citi 's solicitation number # XXXX is outright misleading and I humbly request Citi to deliver on its promise.
Product: Credit reporting or other personal consumer reports

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

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

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

These are not my accounts, and I didn't authorize these companies to pull my credit.
Product: Credit reporting 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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the accounts below : XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax repeatedly ignores and violates my rights under the FCRA. They continue to report unverified items on my credit file after repeated request from all parties involved for verification. To date I have not received anything in the form of verification i.e. executed contract(s), 1st hand account of credit agency rep verification from original creditor(s). receipts, canceled checks from my bank account, etc...
Product: Credit reporting, credit repair services, or other personal consumer reports

All three Credit bureaus are reporting inaccurate information on my credit file. I have submitted physical letters to them and they simply ignore my request so I am forced to file this complaint to the CFPB and will be filing a complaint with the state attorney generals office if this does not get resolved. 

The following accounts are being reported and are not validated or verified per the FCRA. I have asked for the original source document and they are refusing to comply with my request. 

1. XXXX XXXX. They are only reporting a portion of the account number XXXX this is a metro 10 compliance issue. The account can not be verified and therefore I am asking that it be removed from my credit reports. 

2. XXXX. Partial Account number of XXXX. This is a Metro 10 Compliance issue, can not verify with XXXX and XXXX has no record of this saying I was late with my payment. Update and remove the late payment status. 

3. XXXX XXXX partial account number XXXX Says it is a collection account for XXXX this has not been verified and can not be verified and therefore is a violation of the FCRA section 609 and I requesting that this be removed from my files immediately. 

4. XXXX. Has a collection of XXXX acct XXXX ( partial ) which does not allow me to verify the account. This is a Metro 10 Compliance issue. This also looks to be a health care bill and this is a VIOLATION OF MY HIPAA rights as if I ever did have services rendered to me from XXXX I would have never given them permission to report any portion of my Health Records to  the bureaus. I am demanding this be removed based on Incorrect reporting, unverifiable status and a HIPAA violation. 

5. XXXX XXXX : Accounts XXXX, XXXX, and XXXX all metro 10 compliance issues, unverifiable information, does not meet FCRA standards and once again looks to be a medical office reporting. If I did have services rendered I would have never given permission to any health facility to transfer my information to a collection company or to the bureaus. This is a HIPAA Violation and is a against the law.
Product: Credit reporting or other personal consumer reports

I have disputed my credit report with them serval times. I have XXXX credit cards for over 4 years never been late never missed a payment an auto loan for over XXXX years never been late never missed a payment and they show I have a XXXX credit score I also have a {$1500.00} line of credit with XXXX XXXX that has been used and paid off XXXX different time. This is the XXXX time in 10 years they have done this to me. It's not right or fair it's stopping me from so much I want to buy a home but experian not reporting my actual credit is making it XXXX. I am tired of going threw this with them and I am ready to sue this is not right
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. The accounts are fraudulent and dont belong to me.
Product: Mortgage

I had a home mortgage loan with Crosscountry Mortgage that was paid in full on XX/XX/2020. They as self reported by them, on XX/XX/2020 to refund me the amount remaining in escrow, in error mailed two checks for {$4000.00} and {$1.00} respectively to the address of the home that I sold. As these type of checks are not forwarded and as I had provided a change of address to the USPS the mail was not forwarded and the checks were never received. On XX/XX/2020 I spoke to Crosscountry Customer Service and the representative told me that she with my phone call was putting a stop payment on these checks and initiated a new check. On XX/XX/2020 and XX/XX/2020 having not received the check I placed calls to representatives who told me that the check had been mailed on XX/XX/2020 and to just allow more time. Then on XX/XX/2020 at the advice of one of these representatives I sent an email to the attention of their research department. I received a letter dated the next day XX/XX/2020 that they would provide a response to my inquiry as quickly as possible but in any event in the time limit required by law. I don't know what that time limit is but today is XX/XX/2020, over a month with no response. On XX/XX/2020 I called and spoke with a supervisor who told me that the representatives that told me that the check had been mailed on XX/XX/2020 did so in error and that in fact it was a request for a check made on that date and that it takes them ( 20 ) business days ( XX/XX/XXXX ) to produce the check and then ( 10 ) business days to receive it by mail ( XX/XX/XXXX ). Having still not received a check this morning XX/XX/2020 I called the customer service center numerous times and was told that they don't know what happened to the check request on XX/XX/2020 and that no check had been cut and initiated another check request with today 's date on it and now tell me that they need ( 30 ) days in-house to process the check. I need some help! 
XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking file when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Bank under Account # 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
Product: Debt collection

This does not belong to me. This is a result of identity theft.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccuracies regarding accounts that are not being reported correctly. Specifically, four inaccurate collections instances are listed for accounts that I have always paid on time. 

Consumer reporting agencies are responsible for ensuring that all information is reported with complete accuracy. My report shows that a XXXX  account was placed in a collection on XX/XX/XXXX, for the amount of {$550.00}. There is also an account from XXXX XXXX  placed in a collection on XX/XX/XXXX, for the amount of {$4500.00}. Additionally, there are two accounts from XXXX XXXX placed in a collection on XX/XX/XXXX : one for {$680.00} and one for $ XXXX have attached a copy of my most recent report highlighting these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX replied with a full investigation ( letter ) of the auto account but they left out significant and pertinent information to the account but their letter shows they were not timely or truthful about the various other verifications were all lies.
Product: Vehicle loan or lease

I am writing to bring to your attention a concerning incident related to the recent repossession of my Honda vehicle financed through Honda Financial.

I was unexpectedly notified of the vehicle pickup while I was away for work, despite prior agreements with Honda Financial to wait for my payment once I resumed work. During the repossession, valuable items were left in the vehicle, including a XXXX XXXX, a XXXX XXXX XXXX, a new pair of men 's boots, a XXXX XXXX tablet, charging cables, a charging battery charger in the trunk, a wallet with {$160.00}, IDs, credentials, and my passport.

Despite assurances from the person picking up the vehicle that he would retrieve and hand over these items to my XXXX  mother, he left without doing so. This situation has caused significant distress, as not only have personal and work-related belongings been taken, but there was also a breach of trust in the handling of the situation. 

I kindly request your assistance in investigating and rectifying this matter promptly. Your attention to this issue is greatly appreciated. 

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

XXXX XXXX XXXX customer service has been contacted several times regarding this account, I am not an authorized user of this account, I never allowed my information to be used not do I have access to this account. This is fraud I have been treated very bad and even hung up on by customer services over the last few years regarding this account. I have asked for proof that this is my account. I don't know any account information because this account does not belong to me nor do the addresses match. Please remove this account from my records.
Product: Credit reporting

I called Equifax today to see when my XXXX account is going to be deleted. When I called in XXXX I was told the account was going to be deleted in XXXX. Well, I gave them a call today and was told it would not come off until XXXX. I ask to speak to a supervisor and was disconnected. I gave the lady a call back number no one has returned my call. I tried to call back and was on hold then bounced around.