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

I am a single mother who is trying to refinance a mortgage right now so that I may have a roof of my families head, but my mortgage is too expensive. If I refinance my housing payment will be much more affordable as I have been financially impacted due to covid-19. My mortgage broker recently contacted me stating that I would not be able to refinance my home ( {$1000.00} a month difference ) because of inaccurate information left on my credit report ( s ) by XXXX XXXX for child support. I am current on my payments, never have been late. Any late payments listed are inaccurate and should be deleted right away. I am complaint to the CFPB because I am being given the runaround by XXXX stating I should file a complaint with the bureaus, which is not correct. The bureaus are the ones who publish the information that is reported to them by data furnishers such as XXXX. I am requesting that XXXX, Equifax, and XXXX investigate my file as I am disputing the attached items and XXXX should correct the reporting right away that it has sent to the bureaus before a lawsuit indeed is filed, which XXXX will be required to pay my legal fees for inaccurate credit reporting. I do not care if XXXX is a government agency, this is my 30 notice of intent to file a lawsuit. Alternatively, the negative information needs to be deleted before all parties including the bureaus are involved in a lawsuit pursuant to the FCRA. Kindly consider this my request to remove this inaccurate information I have never been late. This is causing me a lot of stress and anxiety and I do not know why I must spend so many countless hours trying to fix the mistakes caused by all the parties listed on this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/XXXX with the cfpb against Transunion in regards to incorrect lates on my credit report. They went in and added more! My credit report is even more inaccurate. 

XXXX XXXX I was never late on XX/XX/XXXX XXXX XXXX I was never late XX/XX/XXXX XXXX  Have never done business with a company Dept of Ed/XXXX Account was in forbearance and is in good standing but reporting with lates. XXXX XXXX XXXX XXXX Never validated XXXX XXXX I was never late XX/XX/XXXX this is a closed account and was a bank error! XXXX XXXX - This account has been up to date for over 9 years and they won't respond to my request to update it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 items 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6000.00} XXXX CARD XXXX Balance : {$14000.00} XXXXXXXX BANK XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

This bureau continues to publish personal information that is not mine and then use the information to verify accounts that dont believe to me.
Product: Credit card or prepaid card

I opened up an account on XX/XX/XXXX. My report should reflect that I paid my account on time for 18 consecutive months. This account should reflect closed XX/XX/XXXX. I reached out to the company to resolve the problem with no success.
Product: Consumer Loan

XXXX and Wells Fargo repeatedly attempted to charge late fees and service fees. The loan was supposed to be XXXX percent interest over two years. The account was setup to pay the monthly payment on auto-pay, which worked for a time and then stopped working even though funds were available. They attempted to charge my account the full amount due along with late fees. All late fees were reversed, but this happened multiple times after I was assured it was fixed. Now the account is closed and I am no longer allowed to schedule repeating payments. I have paid the off the balance of the account and no longer owe them but feel that the entire scheme was designed to steal extra money and they should be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates account XXXX and Portfolio Recovery Associates account XXXX both should be deleted from my credit file according to the settlement agreement documents that I have attached to this dispute. I mailed the attached documents on XX/XX/2020 via certified mail for investigation. I have not been notified of any conclusion as of yet. The attached documents show that I settled in full both accounts and that Portfolio Recovery Associates will request deletion of both tradelines from my credit file.
Product: Credit card

I've always ensured that payments on this account are made on time, never letting them become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

This is in response to the correspondence we received via the Consumer Financial Protection Bureau on behalf of XXXX XXXX XXXX regarding the XXXX debt that we acquired in their name, which is now associated with XXXX Reference # XXXX. In an effort to resolve this matter, we have terminated collection efforts on the debt and requested the credit bureaus delete our tradeline. Please allow sufficient time for updates to be reflected on XXXX XXXX XXXX 's credit report. Thank you for the opportunity to respond. 

I am writing to you regarding the recent admission made by XXXX XXXX XXXX XXXX ( hereinafter referred to as " XXXX XXXX '' ), a furnisher of information to your agency, regarding their wrongful actions in reporting derogatory information related to a XXXX debt associated with my name, XXXX XXXX XXXX. 

In their correspondence with the Consumer Financial Protection Bureau, XXXX XXXX confessed to violating my rights by improperly reporting and attempting to collect on this debt. As a result of their admission, they have terminated collection efforts on the debt and have requested the deletion of their tradeline associated with my name from all major credit bureaus, including yours. 

The actions of XXXX XXXX have not only caused me undue stress and inconvenience but have also severely impacted my financial well-being. The derogatory information reported by XXXX XXXX has adversely affected my credit standing, resulting in denied credit applications, higher interest rates, and other financial hardships. 

As a consumer reporting agency, you have a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of the information you report. By failing to properly vet and verify the information provided by XXXX XXXX, you have contributed to the harm inflicted upon me. 

Therefore, I demand the following remedies from your agency : XXXX and permanent deletion of any derogatory information related to the XXXX debt and XXXX XXXX 's collection efforts from my credit report. 
A written confirmation, within 14 days of receipt of this letter, that the requested deletions have been made. 
Compensation in the amount of {$1000.00} for each violation of my rights under the FCRA, totaling [ XXXX ] violations. 
An apology letter acknowledging the harm caused by your agency 's failure to ensure the accuracy and fairness of the information reported. 
Failure to comply with these demands within the stipulated timeframe will leave me no choice but to pursue further legal action against your agency for the damages incurred. This may include filing complaints with regulatory authorities and pursuing civil litigation to seek appropriate remedies and compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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

I have a previous address that is on my credit report that I never used and never lived at I am attaching a letter to explain the problem
Product: Student loan

I have asked to have my account pulled for {$150.00} a month no matter what my payment might be ( it is lower than that ). I have paid off XXXX loans and each time I pay off a loan they lower my payment amount and stop taking out the {$150.00} as instructed. I 'm so frustrated as I want to keep my payment amount the same so I can pay off my loans more quickly than required. They continue to lower the payment and then take 2-3 months to get it back to the {$150.00} as requested. I have to continue to request the amount to be changed each time I pay off a loan. Then when I pay on XXXX loan specifically, the payment is disbursed between all loans, instead of just on the one that I wanted the extra payment to go to. They are completely frustrating and seem to just want to drag out the loans as long as they can to make more interest, when I 'm trying to pay them off early.
Product: Mortgage

I received a letter back in XXXX stating that I had an escrow shortage of about {$1500.00}. Dovenmuehle stated that my mortgage payment would be increasing to cover the deficit. The year before ( 2019 ) I received a letter stating that I had an overage for the same amount. I did not receive a refund and when I asked Dovenmuehle about that they said that those overage funds wouldn't be given to me because I am in a chapter XXXX payment plan. I let it go at that point. I asked back in XXXX why my escrow has a shortage and why can't the overage funds be applied to the deficit? Why did I have an overage in the first place? I have called Dovenmuehle multiple times and also have sent emails along with a letter from my bankruptcy attorney and nothing. I have been promised a call back from and XXXX, XXXX XXXX ( sp ) whom is a supervisor and I still haven't heard anything and I sent an email to the research department that I received a receipt for but no response. I know by law they are to respond within 30 business days. It has been well over 90 business days at this point. I would like this matter resolved and my mortgage payment adjusted to the right amount. If they could audit my whole account including my payments from my trustee to make sure that they are properly being applied as well.
Product: Checking or savings account

I am XXXX of XXXX XXXX XXXX IRA CD Accounts, Went to Citizens Banks local branch, gave them death certificate information. 

Waited 1 week for XXXX certificate to be faxed/emailed. Once received. no one at Citizens bank XXXX Services will not give me any information if there where benefactors on the IRA CD. 

I went to probate and have short certificates, so I should be legally able to get this information. 

Also asked to a supervisor in the XXXX Services, always told to call back. Tried 7 times. 

For questions about a Citizens IRA, please call Citizens XXXX XXXX XXXX.
Product: Debt collection

I was contacted by MRS BPO , LLC via text messaging on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to contact them about a XXXX debt. 

I never received any written information about the debt. I am caring for my XXXX mother that been hospitalized since XX/XX/XXXX. I am her only caregiver. My only sibling passed away in XXXX. 

I have been texted from XXXX, XXXX, XXXX, and XXXX to call XXXX regarding a matter for XXXX XXXX. On XX/XX/XXXX I received an alert from my bank and was told that I have a delinquency in collections on my account from XXXX that caused my XXXX score to drop XXXX points. 

I contact XXXX and could not get a live person. The automated system would drop my call. I then contacted XXXX and they said the information was with the collection agency. I was given XXXX and the number connected me to an answering service for XXXX XXXX which has no information about my XXXX account. 

On Friday XX/XX/XXXX I was able to get in touch with a live agent that then transferred me to XXXX XXXX XXXX. XXXX XXXX had called me once before and I made good faith payment. I told him that I was not able to talk and requested a call back which I never received about two weeks ago. After speaking to XXXX XXXX on Friday he was argumentative and unwilling to send me my information in writing. Stating that he could not send anything in writing because he did not want to make any promises that when I pay off the debt I can receive written documents. I am trying to regain my good XXXX score that I've been diligently working on. 

XXXX XXXX sent my account to collections in less than 30 days. I had made a good faith payment and wanted to resolve the matter so it would not affect my good XXXX  score.
Product: Bank account or service

I had a checking and a savings account with SunTrust Bank, On one occasion I had received a check for {$2500.00} in the mail that was deposited and placed on hold by the bank as standard procedure. While the check was on hold no debits were paid out on the deposited amount and no ATM withdrawals were attempted or processed. During the hold process over several days, the bank sent a letter stating that they could not verify the funds with the bank listed on the check and the deposit would not be credited to the account. At that point I assumed that was the end of the issue and that I would just need to subtract the amount of the proposed deposit and pay the {$15.00} dollar handling fee and later contact the business that sent the check for restitution. What took place unfortunately was Suntrust Bank went ahead and added a number of additional charges, closed my account and sent a report to XXXX ... ..stating that the account was closed due to Fraud in XXXX 2014. Since that time I have contacted XXXX. to dispute the case and in the process Suntrust Bank does not provide any new information to help resolve the issue, they only send the a verification that a report was submitted under my information back as a response to the dispute when filed through XXXX When I contact SunTrust customer service at XXXX XXXX XXXX XXXX XXXX I 'm repeatedly told by representatives that take the call that since the account has been closed more than thirty days, they can not provide any account numbers, account information or even a number or link to a department within SunTrust bank that could help me. At this point I have no way to effectively dispute or obtain closure to the issue XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A collection agency added a report to my credit report including XXXX, XXXX, and XXXX. I do not owe this company any money. Contract was broken by the original company. The company posted on my credit report with out contacting me about the debt. Broke laws by FCRA and FDCPA. This company has not validated any debt. They have n't sent a copy of validation. They have broke laws. There is no copy of my signature stating I owe this company any money. I demand the company have this file deleted from all three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, Tx XXXX I have previously disputed this item with you US Bankruptcy CourtXXXX XXXX XXXX Case Number XXXX and XXXX and in response they verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore, your original response verifying the time with the course was either error or lie. Either way, the reporting requires to not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX RE : Late Payment ( s ) I received a copy of my credit report and I have found the following items listed below to be in error.

Pursuant to 15 USC 1666b 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. 
I NEVER gave EXPERIAN, XXXX and XXXX any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices. 

EXPERIAN, XXXX and XXXX should be ashamed for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED : XXXX XXXX, Account Number : XXXX I was never late on XXXX, XXXX, nor XXXX on this account please update the account as Paid/Current. 

XXXX, Account Number : XXXX I was never late on XXXX on this account please update the account as Paid/Current. 

XXXX XXXX XXXX, Account Number : XXXX I was never late on XXXX, XXXX, XXXX, nor XX/XX/year> on this account please update the account as Paid/Current. 

By the provisions of the fair Credit reporting Act, I demand these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserve
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 USC 1681.

Account Name : XXXX Account XXXX : XXXX XXXX and list of Inquiries. 

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 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 ) ( 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: Debt collection

A collection agency, Harris & Harris ( XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Illinois XXXX, XXXX XXXX XXXX ), contacted me about a debt from XXXX University XXXX XXXX XXXX XXXXXXXX, Illinois. The amount claimed was likely the overage of charges that XXXX does not pay. I did not receive specific itemization of the charges. Harris & Harris called me repeatedly on my home phone. They later sent me an offer of settlement in the mail. They asked for a payment of {$250.00} in settlement of the total they were seeking of {$380.00}. I was able to pay the settlement amount of {$250.00} and paid it online last month. 

They are now billing me for the amount that they had offered to forgive in the settlement. They are billing me for {$130.00}. What's worse is that the hospital system ( XXXX University ) claims that I owe them {$130.00}. 

Harris & Harris offered a settlement through the mail offer that I agreed to, and now claim no settlement was made ; as they and XXXX do not recognize a settlement for less than was originally owed..
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : CCS Collections Acct # XXXX XXXX : Credit Collection Acct # XXXX