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

Experian, XXXX, and XXXX are continuing to report a past account with XXXX XXXX XXXX as a charged off account. This account has been paid in full via a garnishment from my paycheck, initiated by their lawyers. 
As I subsequently dispute the findings that Experian comes back to me with, they refuse my electronic dispute on their website stating that this has already been resolved. XXXX  and XXXX  have also not removed it based on the information XXXX is providing them with. 
According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer by not providing the credit bureaus I have disputed this with the correct information and Im requesting legal action to remove this account immediately.
Product: Mortgage

XXXX XXXX XXXX sold my mortgage to Specialized Loan Servicing effective XX/XX/XXXX. All the terms of the loan were to remain the same including escrow and insurance and tax payments. I just found out XX/XX/XXXX that they have been collecting the escrow and not making any insurance and tax payments which have become delinquent and incurring penalties. I contacted SLS about this and getting a refund of my escrow in order to pay my delinquent taxes and insurance premium and I can not seem to get a straight answer or my money, they do not return calls and their practices are fraudulent. The web is littered with all sorts of complaints and lawsuits against this company and they need to be investigated for fraud.
Product: Mortgage

I was approved for a XXXX XXXX loan modification and had payments due in XX/XX/XXXX., XX/XX/XXXX, and XX/XX/2018. When I called to make the first payment on XX/XX/XXXX ( I had until the last day of the month ) they informed me my house had been sold in foreclosure to XXXX XXXX. I have been battling this with both Loan Depot and with XXXX XXXX ever since XX/XX/XXXX. and have been told numerous times that it was Loan Depot 's fault for not advising the foreclosure dept. They passed me off to different agents this entire time where I would have to explain the situation all over again. They sent out company wide emails while I was one the phone explaining that it was a wrongful foreclosure but nothing has come of it. XX/XX/XXXX XXXX XXXX sold my house to a renovation company and I have just received my 10 day notice to vacate. 
I've learned this is called Double-tracking and it is illegal. I can not find any attorney to help me for some reason. I will fight this till they kick me out of my home but this is my daughter 's home. She was born here. She is XXXX years old. I had $ XXXX in equity in the home but lost my business and had trouble making payments. I though this Flex Mod. was my saving grace and it ended up being the hardest thing I've ever dealt with in my life. Whoever reads this, I need help please
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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 collections account opened at XXXX XXXX on XX/XX/year> with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( private case number ) 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: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments 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 ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX BANK Account # XXXX, XXXX XXXX  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: Consumer Loan

I keep receiving late charges on my auto loan monthly even if I send in an amount over what is owed on the loan. {$6.00} is being charged every month and I get a separate statement for late charges and one for my regular payment. The company is Ally Financial. Here 's an example- My monthly payment due is {$300.00}. Statement total was {$390.00} which included a {$66.00} past due total and a {$24.00} late fee. I paid a total of {$500.00} which should have covered everything. {$430.00} was applied to unpaid balance and {$68.00} was applied to finance charge. No money was applied to the late charge but then I get another statement/letter saying I still owe {$27.00} in unpaid late charges. I feel like I 'm being robbed here. Can you help me out?
Product: Payday loan, title loan, personal loan, or advance loan

Please accept this as my request to remove the negative late payment of XX/XX/XXXX from XXXX, XXXX, and XXXX. I called and spoke with someone to make payment arrangements due to XXXX my job  and XXXX  exhausted my financial reserves at the time. The amendment defines " covered period '' as the period starting XX/XX/XXXX, until the later of 120 days after enactment of the CARES Act or 120 days after the end of the national state of emergency declaration. The COVID-19 national emergency declaration is scheduled to end on XXXX XXXX XXXX. I'm in my right to dispute what I may consider unfair understanding the circumstances. 

I've ONLY missed one payment in 4 years of having this loan and am only asking for your forgiveness. If you review my account now, you will notice that I have made payments months in advance since having a job. This has drastically hurt my credit and removed my loan consideration for getting a home. It is stuck on my report and says it hurts me even with a perfect payment history on all of my other revolving accounts. I want to thank NAVY Federal for the excellent service I have experienced as a consumer and for being a very loyal consumer. I have also sent a certified letter to XXXX XXXX, XXXX XXXX, XXXX XXXX, and a few others. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three major credit bureaus : Transunion, XXXX, & XXXX are reporting erroneous items on my credit. I have been disputing with the credit bureaus for months now and have yet to hear back from any of them! It's been over 6 months and they have yet to send me any letters or results! There are seriously inaccurate items reporting on my credit not allowing me to buy a home and they have not been responding. This is ridiculous, under the law you have 30 days to respond to my disputes and it's been well over! These items must be removed from my credit immediately.
Product: Mortgage

I have already submitted a complaint about this mortgage to the CFPB. It is Complaint Number XXXX. With that complaint, I sent to the CFPB a Notice of Error letter which I had sent to PHH Mortgage Services ( XXXX XXXXXXXX  ) which included a Third Party Authorization signed by the Borrower in favor of me, XXXX XXXX XXXX, XXXX. 

Today I received from XXXX a letter dated XX/XX/XXXX and referencing " Regulatory Case XXXX. '' The letter states that PHH has " not received authorization from the account holder to provide specific information to you. '' This is false. PHH has received the third party authorization multiple times, and when I called PHH today, they admitted that they had it. The PHH representative to whom I spoke today, stated explicitly that this letter is not in the borrower 's file. She then tried to tell me that the XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX, NJ shown on the PHH letterhead is not a PHH post office box address. 

The PHH letter comes from the " Office of Consumer Ombudsman, '' but when I asked the PHH representative on the phone today to connect me with that office, she told me that there was no such office. 

Then the PHH representative told me that the loan has been referred for foreclosure to the law firm of XXXXXXXX XXXX XXXXXXXX. The loan was put in COVID-19 forbearance on XX/XX/XXXX until XX/XX/XXXX. I was told by PHH in a telephone call on XX/XX/XXXX that a second six-month forbearance has been approved to go into effect on XX/XX/XXXX. It is wrong for for this loan to be referred to counsel for foreclosure while it is in forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$20.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX
Product: Debt collection

Your full name : XXXX XXXX Current address : XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX  XXXX, Mo XXXX SSN:XXXX Date of birth:XX/XX/XXXX Date:XX/XX/XXXX New information request : Dear Creditor, Im not sure why your company is still reporting this inaccurate account to the credit bureaus, but I have a new information request based on the account. 
Creditor : Account : Please show me proof that your reporting is 100 % accurate. I would like to know that my rights are not being violated. Because the reporting of this item is not following the reporting procedures stipulated by the Fair Credit Reporting Act, I request an immediate deletion. 
Please pay attention :
Product: Credit reporting or other personal consumer reports

I am writing to you again regarding a persistent error on my credit report, in which late payments are inaccurately listed. I have previously filed a dispute concerning this matter, but the response I received was neither satisfactory nor conclusive. Furthermore, I have not been provided with any evidence that these late payments actually belong to me. 
The item in question is a late payment reported by XXXX XXXX XXXX for the account number XXXXThe late payments are reported as being dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I would like to remind you that under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), Equifax are required to thoroughly investigate disputes and correct any inaccurate information. Additionally, under the Truth in Lending Act ( TILA, 15 U.S. Code 1637 ( b ) ), creditors must ensure that information about the terms of credit, including payments, is accurate and correctly reflected.

Moreover, under 15 U.S. Code 1681s-2, furnishers of information are obligated to ensure that the data they report to credit agencies is accurate. The incorrect late payments should be removed from my credit report, as I have no evidence indicating that these payments actually correspond to my account. 
Therefore, in accordance with the laws mentioned, I demand the following : A new and thorough investigation of the late payments on my credit report, followed by correction of any inaccuracies. 
The immediate removal of any late payment entries that are incorrect or unjustified. 
The provision of verifiable evidence proving that these late payments belong to me, should they not be removed from my report.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/scrub> 2023 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX
Product: Debt collection

I have been receiving incessant phone calls and letters from a company that calls themselves Nationwide Credit , Inc. attempting to collect a debt with no proof or verification of the debt to show that it's even mine. I'm hoping that by filing this complaint this company will stop contacting me or send me verification of this debt.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



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 XX/XX/year> Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the following accounts, which have been inaccurately reported on my credit reports by XXXX, TransUnion, and XXXX. These accounts are not mine, and their presence on my credit report constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) 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 : Account # XXXX I would like to bring to your attention that these unauthorized accounts have violated my rights under the FCRA as follows : Right to Privacy ( 15 U.S.C. 1681 Section 602 ( a ) ) : According to this section, I have the right to privacy regarding my personal credit information. The reporting of these unauthorized accounts on my credit report breaches this right, as I did not consent to their inclusion.

Furnishing of Accounts Without My Written Instructions ( 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) ) : The FCRA clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have never provided any authorization or instruction for these accounts to be reported under my name. 

These violations have caused significant distress and potential harm to my financial standing. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that the unauthorized accounts are removed from my credit reports. Additionally, I request that any necessary corrective action be taken against the responsible parties to prevent future violations of my rights. 

Enclosed with this letter are copies of my credit reports from XXXX, TransUnion, and XXXX, highlighting the unauthorized accounts. I have also included any relevant correspondence that may assist in the investigation. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take swift action to resolve this issue and uphold the protections guaranteed to me under the FCRA. Please feel free to contact me if you require any additional information or documentation. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Went to check my credit score and it has XXXXne hard inquiry from XXXX that i do not recognize nor did i apply for this. i requested infomation from the company and all they keep saying is verified and accurate. i have showed the police report stating that im a victim of identity theft and still weren't able to give me answers
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Exeter Finance LLC Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

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

I have the security freeze active yet on XX/XX/year> I see an unknown Inquiry from XXXX XXXXXXXX - Not only the Inquiry but a false dispute I never made for that Inquiry. XXXX XXXX is a fraudulent account, and now there are false inquiries Report Number : XXXX - In XXXX XXXX I disputed XXXX XXXXXXXX with all XXXX bureaus and on XX/XX/year> I attached the proof of the investigation results, with the same result from all XXXX bureaus, and then Removed on XX/XX/year>. It has been 90 days since the start of my dispute 60 days since the dispute result. capital one has not been fair in its actions. Experian seems to be the Only bureau allowing this to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16TH 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$2000.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these convergent accounts have violated my rights. 
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

These accounts are not mine and I became victim of identity theft and its killing my report and my life. I do not want to have something like this and please help me and make investigation. Its misleading information for sure and I do not want to have it. Remove these accounts from my credit report
Product: Credit reporting or other personal consumer reports

I partner with a company called XXXX XXXX XXXX XXXX when it comes to assisting me with dispute letters that are sent out about every 60 days to all the major credit bureaus ; Equifax, XXXX, and XXXX. 

I ALWAYS receive a mailed copy of my credit report from both XXXX and XXXX, however, I have NEVER received a mailed copy from Equifax. And just to add some more context, I have been working with this company to assist me with my credit, off and on for the last 3-5 years and again, I've NEVER received a mailed copy of my credit report from Equifax. 

The mailing address that I've always used to send my dispute letters to Equifax is ; XXXX XXXX XXXX XXXX, GA XXXX I called Equifax customer service on XX/XX/ on the following number : ( XXXX ) XXXX. I spoke with a representative and explained my issue and requesting to have a copy of my credit report mailed to me, and he declined the request and said that they mailed one out in XXXX to my correct address at that time but I told him that I never received it and he placed me on hold and came back and stated that he could not send out another copy of my credit report. 

Because Equifax is one of the credit agencies that is used for a financial institution that I will be working with soon for a car loan, I would greatly appreciate if they where to start following suite and mail out a copy of my credit report every time that I mail my dispute letters to each of the credit agencies. 

I will be mailing out another set of dispute letters on XXXX, and I would like to find a copy of my credit report mailed to me within the 45 days time frame from Equifax, just as XXXX and XXXX does every time. 

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

Inquiry from XXXX XXXX on XX/XX/2019. I do not remember giving authorization to this lender for this hard inquiry.