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

I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 %. For several months, I have been trying to dispute negative accounts from my credit report, several times. 

In accordance to Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when several inaccuracies are shown on my report?

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 

Listed below are the negative accounts : XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX {$170.00} I attached the latest dispute letter I have filed a complaint against bureaus and creditors.
Product: Credit reporting or other personal consumer reports

Midland credit management is reporting this account on my credit report to XXXX and XXXX XXXX is reporting the date of last activity as XX/XX/XXXX XXXX is reporting XX/XX/XXXX Fcra 605 c running of the period states that companies are not allowed to re-age the date of last activity on the account in order to keep the account reporting Further there is only one furnisher yet the information is reporting vastly different This is an inconsistent reporting the fcra requires maximum possible accurxcy Because this account is listed as a a charge off they must adhere to fcra guidelines I haven't sent several letters to both the credit bureaus and Midland credit management directly All proof is attached below
Product: Credit reporting or other personal consumer reports

In submitting this complaint, it is my intention to follow up on an issue related to my being a victim of fraudulent activity. After visiting the Federal Trade Commission website at https : //www.ftc.gov, I filed a complaint, as required by FCRA Section 605B , under reference # XXXX, which mandates that Credit Reporting Agencies must remove any items listed in an FTC complaint. Attached are documents aimed at facilitating the removal of erroneous information and inquiries from my credit reports. The following is a list of items opened without my authorization : -- -- -- -- -- -- -- 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 TRANSUNION : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obliged to remove any items identified by the consumer as resulting from fraudulent activity within 4 business days of receipt of such notice.
Product: Mortgage

I am XXXX XXXXXXXX XXXX and I returned from a XXXX where my information was leaked through a military system that was hacked. Money was stolen from my account due to the hacker and I didn't receive a paycheck for a full month which then followed up with a 3 week investigation with XXXX XXXX XXXX XXXX to identify the breach in my account. I shared this information with Freedom Mortgage and I stated I wouldn't be able to make the payment due to XXXX income and I was unable to take out a loan either because my account was under investigation. I spoke with a representative at Feeedom Mortgage and asked my options and they shared I would be able to push that payment to the end of my loan. Ultimately 9 months later I reached out again and asked why my payment said past due and they shared that it was never settled to be moved and I had 9 late payments on my credit report that has taken a dramatic dip over XXXXXXXX XXXX  because of this instance I have never had any issues with freedom mortgage until this occurrence and I respectfully demand that these late payments be removed off my credit report. It is an unfair attack on a military member who was on a XXXX and identity was compromised overseas and now have to pay the price for an agreement that was never fulfilled.
Product: Credit card or prepaid card

XXXX through XX/XX/2022 is reporting as missed payments. I had autopayment setup and never had an issue in years with the payment systems malfunctioning. However I suffered identity theft and some cards were canceled while I was in the XXXX XXXX XXXX XXXX and other health issues that have caused the Veterans Administration to declare me XXXX XXXX  XXXX. I was in the hospital and NOT in the home during the time that they systems payment system failed to charge my account. I have never missed a payment and never intended to avoid paying this debt. I have never had trouble paying it. By the time this complaint has been responded to by Castle Credit, the account will be fully paid off with a one time payment of over XXXX. 

I am asking Castle Credit to please remove those late payments as I am not responsible for a breakdown in payment processing technology. 

I am a XXXX veteran. Please help me and have compassion. The stress of dealing with this is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I should not have to keep begging you all to do this for months. Please give me some relief. I beg you to escalate this to a manager who would be able to honor this request. You have you money. Please don't punish me for technical issues.
Product: Credit reporting or other personal consumer reports

1. Why has my gender been changed to XXXX on the top page? I am a XXXX both now and at birth. Is it because I have an XXXX  at the end of my name? Please see my license attached and correct the information on my report ( Consumer Number : XXXX Case Number : XXXX dated XX/XX/year> ). It correctly lists XXXX in other parts of the report. 
XXXX. XXXX XXXX ( see my license attached ) was fat-fingered but not removed from my report. 
XXXX XXXX was not removed from my report and is not my DOB ( see my license attached ) 4. INVALID was not removed from my phone numbers 5. I did not see my CLUE report attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

All negative items must be reviewed and status updated immediately. Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Product: Debt collection

On XX/XX/XXXX Southern Credit Recovery received and SIGNED the return receipt mail ( dispute ) that I sent to them. On XX/XX/XXXX I obtained a copy of my credit profile and noticed they did NOT COMPLY with Fair Debt Reporting Act Section 623 ( a ) ( 3 ) and Section 807 ( 8 ) by not placing a dispute remark on the credit profile to the 3 credit bureaus. A well as they did NOT VALIDATE or VERIFY this debt. They did NOT send me a signed contract or anything that shows I am obligated to pay for this alleged debt, which is NOT mine. 
Enclosed : front and back of certified mail with their signiture showing receipt and a print out of my credit profile showing it was not placed for dispute in the amount of time given.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 In accordance with the Fair Credit Reporting Act, the following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account XXXX : XXXX  # XXXX 15 U.S.C. 1681 section 602 ( a ) states that I have the right to privacy. 

15 U.S.C. 1681 section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furbish an account without my written instructions. 

15 U.S.C. 1681c. section 605 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer reports containing any of the following items of information : any 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 section 623 ( a ) ( 1 ) states that a person shall not furbish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On Friday XX/XX/XXXX my client closed on her property XXXX XXXX XXXX XXXX XXXX XXXX. 
The closing was very rushed and changed last minuet as per the mortgage company. They insisted we change to " their Title company '' because they needed to close on this day or the clients lock would expire and they current title company was not cleared to be a vendor for them or something of that nature. All that being said, when my client went home, after closing on the home she purchased after selling her house in XXXX XXXX, she realized the XXXX was incorrect and said the sale price was {$220000.00} and in fact was supposed to be {$220000.00}. The contract and Deed say {$220000.00} however thinking it was a typo I immediately emailed Title and Mortgage  of the error. Monday morning XX/XX/2018. I called the Mortgage company and they admitted they were wrong and made a mistake and would have the check to her by Tuesday or Wednesday. It is Friday and now they are trying to blame the realtors and not make up the difference, I feel there is so much wrong on this file someone needs to stop these people from their gross negligence and the lies they keep telling! The title company is XXXX XXXX XXXX XXXX XXXX, XXXX , NJ XXXX and the Mortgage Company is FAMILY FIRST FUNDING, ,LLC CONTACT INFO IS XXXX XXXX XXXX XXXX Please Help.
Product: Credit reporting or other personal consumer reports

Due to the fair credit report act I would like my auto loan be removed from my credit report using 15 usc 1681 and due to other violations.
Product: Vehicle loan or lease

I am writing a compliant about Toyota Financial Services ( XXXX. XXXX XXXX, XXXX XXXX, IA XXXX ). The company reported my account as delinquent to the credit agencies on XX/XX/2020. The disputed charge is for {$140.00} ( expected payment date XX/XX/2020 ), and it is marked as a " delinquent payment made in full between 60-80 days late '' on my credit report. My account is now closed, they have marked the account as paid in full, they have sent me the title to the vehicle, and I have never made a payment for {$140.00}. At no point did their online portal, phone system or paper billing system register the account as being delinquent. I have attached the two billing statements from XX/XX/2020 which all show a {$0.00} past due amount on the account. There was no XX/XX/2020 billing statement, since the account was paid in full and closed on XX/XX/2020. Toyota Financial Services did not attempt to inform me ( through phone, their phone system, their online portal, their paper billing statements or written correspondence ) that the account was past due at any point between XX/XX/XXXX, XXXX XX/XX/2020. 

I have called Toyota Financial Services monthly since XX/XX/2020 to try and get this matter resolved. After each ( recorded ) phone call the representative told me that there was a clear mistake on the account, and the delinquency would be removed from my credit report. The representatives have sited known system errors during the XXXX XXXX XX/XX/2020 time frame ; and an incorrect application of a warranty refund to the account as the reason for the mistake. However, despite these phone calls with the representatives, Toyota Financial Services refuses to remove the delinquency from my credit report. They have not provided a reason for their refusal, except for one-page letters stating that, " The information reflected in our records is correct and we are reporting your account to the credit reporting agencies in a manner that is consistent with our records. '' Clearly, this is not the case as their billing statements, online portal, and phone system are not showing any delinquencies on the account. Therefore, their records are not internally consistent, and at least one of the records must be incorrect. 


I sent the company a letter ( via certified mail ) on XX/XX/2020. In this letter, I clearly explained the grievance and asking for a more through explanation of the delinquency. They responded in a one page form letter on XX/XX/2020 which said that, " The information in our records is correct, and we are reporting your account to the credit reporting agencies in a manner that is consistent with our records. '' At this point I have spent over 5 hours trying to resolve this directly with the company. I no longer believe that the company is operating in good faith, and I am seeking recourse through their regulatory agency. 

I have attached copies of my statements from the company, and the letter sent on XX/XX/2020 for your review.
Product: Debt collection

I am regularly sending this debt collector {$20.00} per month as a check. They sent me a letter stating that on XX/XX/2017 I " provided verbal, recorded consent as your electronic signature authorizing [ the debt collector ] to process reoccurring, electronic funds transfers from your bank account ... '' I did not speak to them by phone. They could not produce this recording if they were asked for it. 

They go on to say that " this payment authorization is valid and will remain in effect unless you notify [ the debt collector ] ... '' I take this as a threat to illegally seize money from my bank account unless I contact them to dispute their lie. I do not want to contact them. I am paying this debt off, slowly.
Product: Credit reporting or other personal consumer reports

Equifax promise to me verbally over there phone that three accounts will be blocked/removed off my credit report and but they are still on my report and the dispute is taking more than 30 days on there end and a possible glitch on my credit report The accounts that are supposed to be one to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the number they gave me
Product: Credit reporting or other personal consumer reports

I have sent XXXX certified leters with no response to removed inquiries not reognized or authorized and still has inquuries listed XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  G XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Very first notice I got from Kimball Tirey and St John in the mail was for {$15000.00}, the letter never stated my name anywhere on it. Instead it stated an ex and his girlfriends name. This began in XXXX of XXXX. When I reached out to the company they did not help solve this issue and sent me to collections. I received another letter in XX/XX/XXXX again stating the balance owed of {$15000.00}. I called the company again and the representative explained that the letter was not for me but for my ex and to not worry about it. It is still reflecting on my credit report for something I was specifically told not to worry about.
Product: Mortgage

Caliber Home Loans and I have gone back n forth trying to get this handled. There seems to be only one remaining erroneously filed lien by Caliber with HUD. This last one we need to see satisfied is loan # XXXX .... MIN # XXXX ... XXXX XXXX # XXXX partial lien in the amount of {$18000.00} OR XXXX XXXX pg XXXX on XX/XX/XXXX We have been working towards correcting Calibers mistake from XX/XX/XXXX since the middle of XX/XX/XXXX when it was discovered during closing month XX/XX/XXXX by title company. Title company is holding back XXXX in funds owed to me due to Caliber 's erroneously filed lien mentioned above. They have promised to try to fix this. even said they included a VP to try to help. Not that I can speak to anyone beyond their XXXX team. And no one is owning this mistake. its not just a balance owed. I am a person trying to close this loan out. trying to move forward, and yet bc of an error that Caliber will not correct with HUD, I can not.
Product: Credit reporting or other personal consumer reports

Once the company received my loan from another company. Everything started going downhill. For 4 months starting in XXXX I made every payment on time. at {$1200.00} a month. In XXXX they jumped the price to {$1800.00} and made me have insufficent funds and got my account blocked from making payments now I have to do wire transfers until XXXX paying {$40.00} extra for each wire transfer. Now my payments are at {$1500.00} and still not have been able to pay. This is by far the worse company ever to have a mortgage with. They told me they listened to the audio calls and all though they were incorrect they told me all they could do is provide it as a training opportunity.
Product: Mortgage

Amerisave Mortgage company is the current servicer of my home mortgage 's escrow account. On XX/XX/2021 I received a letter from my County that a real estate tax bill was not paid. I have reached out to Amerisave multiple times through both their call center and customer support email address to figure out when they can make the payment, for that I received no feedbacks. 

As of today, this unpaid real estate tax bill is in collection process and if not addressed properly my property will be put on auction.
Product: Checking or savings account

I am submitting a new complaint as suggested by CFPB because XXXX was closed without having been addressed. It seems that Band of America thought for whatever reason that the complaint was submitted fraudulently and they claim to have been unable to verify my identity. That could have been accomplished had XXXX at XXXX x XXXX returned any of the voicemails I left for her in an attempt to address this complaint. She couldn't be bothered. 

The previous complaint was : An offshore transaction, which I've made previously, prompted a text message asking if the charge was recognized. I replied yes and the response was that the transaction was authorized. Several days later, I began a mobile withdrawal, which is available through the bank app, permitting you to input the amount you'd like to withdraw. I received notification that everything was in order, and I could go to the ATM to pick up cash. When I arrived at the ATM, miles away, the machine indicated that my card had been locked due to irregular activity. I called the bank, was told that they had the confirmation of the original transaction, and the card should not have been locked. They offered an apology for " the inconvenience. '' I asked which controls that were to have been in place to prevent this failed. Bank of America will submit XXXX and XXXX reports and this will clearly appear as a qualified opinion.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I was reviewing my Equifax report upon reviewing it I seen that there were two inquiries on my report that I did not give permission for the companies to run my credit I called Equifax and asked them to remove the inquiries because they were not authorized inquiries, and they reported that they could not remove the inquiries and to file a FTC report.. I then filed the FTC report and submitted a dispute with Equifax requesting them to remove the inquiries. They then sent me a letter stating that the information was accurate and they were not removing the inquiries the inquiries I am requesting to be remove are XXXX on XX/XX/ and Equifax mortgage service done on XX/XX/. I have also attached my report from the FTC.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccuracies is highly injurious to my credit rating. 


- XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX 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 fumish a account without my written instructions 15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

XXXX XXXX Account open for more than 6 years, I contacted the creditor requesting a copy of my contract and payment history, they have no clipping of my name or the account I have requested an investigation by the agency for more than XXXX opportunities EXPERIA credit, which has not solved the problem of the elimination of the late payment or the elimination of the account completely. 

XXXX XXXX This creditor submitted late payments in the pandemic period of XXXX and XX/XX/2020, I contacted the creditor and they informed me that they would not make any report, I have litigated this late payment for more than 1 years with the Experian agency and without elimination results of late payment since it includes the federal mandate that no vehicle agency could report late late in the pandemic period. 

Also none of these accounts are reported in the other credit bureaus, only EXPERIAN failing to comply with a truthful and correct investigation keeps them in my records, for more disputes and tests that I have submitted.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXX. XXXX XXXX XXXX