23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Sections 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) require the three credit bureaus to validate these accounts. It is not authorized to fail to authenticate these reporting accounts as unverified information without giving proof within the time range required by law. My credit report has the following incorrect information, which needs to be examined and corrected. 
XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

There are 4 late payments reported on my XXXX XXXX XXXX XXXX account from XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. This information is incorrect. These payments were all made on time.
Product: Credit reporting or other personal consumer reports

We leased a XXXX lead in XXXX in XXXX XXXX. In XXXX, we chose to trade in the leaf for an XXXX. We did the trade at XXXX in XXXX XXXX. A few months later, we noticed that it continued to report as opened. We have made MULTIPLE attempts to have this information be recorded ACCURATELY. At this time, our report is not accurate in reference to this account. Why would we still be paying for a lead for 8 years? So even if they claim its accurate, we dont even have the car in our possession. We also have a representative ( employee at XXXX XXXX XXXX ) who has also been trying to get this information recorded accurately. All to no avail!
Product: Mortgage

We have been processing a short sale application with Ocwen Loan Servicing since XX/XX/2016. The borrowers were approved for participation in the HAFA short sale program. Ocwen delayed the file, requesting the same documents again & again, and we did n't even see an approval on the purchase offer until XX/XX/2016. By that time, the buyer had walked because property values in the area dropped significantly due to a drastic increase in inventory, combined with the deteriorating condition of the home and having had to wait so long just for a decision. We then submitted a new offer for {$28000.00} less on XX/XX/2016, with all current documents. Ocwen 's valuation of the property came in at the same amount of the offer so everything was looking like it could move forward. However, Ocwen is now saying that the application deadline for HAFA was XX/XX/2016 and they did n't have all of the documents on file so the borrowers are no longer eligible. This derails the entire transaction because their in-house short sale program does not allow nearly enough money towards the junior lienholders, and it removes any/all relocation assistance to the borrowers. I would also like to mention that the only document Ocwen did not have, according to them, was an unpaid principle balance statement from the 2nd lienholder. They had several copies of this document throughout the process since it 's conception in XX/XX/2016 and we had to get special approval on the document because of how the collections company was required to issue the statement. Basically we went through all of their hoops to get the first HAFA approval, which took a total of 6 months to be approved, and now they are saying the homeowners did not submit the application in time for the new offer. In addition, the makinghomeaffordable.gov website states that the application deadline is XX/XX/2016, not XX/XX/2016 as Ocwen is stating. This would give the borrowers more time to submit whatever Ocwen claims is missing from the file. The borrowers have done everything they needed to in order to complete Ocwen 's ridiculous process, and now that they have another viable offer, which Ocwen has had in review for over 2 months already!, Ocwen says they can not participate. I would also like to stress the fact that the borrowers already had a HAFA short sale approved just 2 months ago as well so it makes no logical sense that they now do not qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
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: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to dispute inaccurate information on my Equifax CR and every time they " dispute and verify info is correct '' a new inaccurate error gets put on. 
XXXX : I This data is wrong : Account Status NOT_MORE_THAN_TWO_PAYMENTS_PAST_DUE ( I have paid this loan off in full and the acct was closed XXXX Date of 1st delinquency : states XX/XX/XXXX, XXXX can this state DOFD when this was the date the acct was pd off in full? 
Date Reported XX/XX/XXXX, XXXX>should be XXXX  reporting on this it has been closed since XX/XX/XXXX. 
Date of Last Payment XX/XX/XXXX >paid off in full ( I have not had 1 late payment since XX/XX/XXXX but my equifax CR now shows a late payment in the past 30 days. 
XXXX : Date Reported XX/XX/XXXX- why is a closed paid acct r ( pd XX/XX/XXXX ) reporting to a CB? 
Date of First Delinquency XXXX XXXX, XXXX ( DOFD is XX/XX/XXXX ) XXXX  : Date of Last Payment XX/XX/XXXX ( paid charge off ) Date Reported XX/XX/XXXX, XXXX>why is this acct being reported when it has been closed, paid in full XX/XX/XXXX? This is making my CR from Equifax, a long with the inaccurate info above, to look like I have late payments in the past 30 days when that is not accurate. My last late payment is XX/XX/XXXX, over 22 months ago ) I have disputed these inaccuracies several times and each time the info coming back says it has been verified as accurate. These credit bureaus have a responsibility to report accurate and true information. The inaccurate info above that is now being reported from Equifax is wrong and reporting that I have made a late payment in the past 30 days and this is devastating to me as I have tried so hard through the pandemic to work on my credit and make better credit choices. So how is this right that they can report wrong and damning information?
Product: Mortgage

Carrington Mortgage states they paid our taxes in our escrow like it was set up, but they did not do so. The money was removed and never given to the tax office to pay our XXXX tax office. We have traced them back to taking the money and never writing a check through their tax office. We have a man named XXXX XXXX who told XXXX never received the funds to begin with and that is why it did n't get paid. These are our fall taxes!!! They continue to tell us they are going to handle our dispute since XXXX/XXXX/XXXX and as of today has again told us it would be resolved by XXXX/XXXX/XXXX. The office talks over us and we can not get a manager or supervisor due to the person always stating " we ca n't do that '' and when we want them to find the money with our parcel number they state " they ca n't do that for us becausewe are in a dispute. '' We would like to have the theft of our tax money from our eacrow resolved. We had our escrow put in the negative by {$4.00} immediately upon this company taking over our mortgage and them taking our house payment up {$50.00} after it switched from XXXX. We are having this company steal our money and refuse to right!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a late payment on an account after it was closed. This is inaccurate and need to be updated. I have disputed this several time and it has yet to be fixed.
Product: Credit reporting or other personal consumer reports

I looked at my report recently and notice an account wasnt reporting accurately. I had teo late payments on my account that in fact On time Never late. The consumer reporting agencies need to report all information with complete accuracy. The Account has not been late on payments, i attached a screenshot of the report to this complaint of the following dates XX/XX/2021 and XX/XX/2021. Im now requesting that you investigate and provide verifiable proof with records that i had late payments. If this information can not be verified, i demand that they get an update to Paid on time never late, Immediately. Thanks for your understanding and prompt action.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service and fair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their disputes resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

Apparently XXXX of my girlfriend 's credit cards ( XXXX XXXX ) was added to my list of credit cards, though I do not have the card, I am not an authorized user, nor do I have any type of access to this account. The account has had XXXX late payments, which are showing up on my credit report and damaging my score. The account shows as open, but with XXXX balance and it states that the last time it reported was on XXXX XXXX, 2014. On the credit report, it also states my responsibility for the account is " Terminated ''.
Product: Credit card

My cards were closed by Citibank, and upon card closure, you normally have up to 90 days to redeem your points, which I had over {$600.00} worth, but when I tried to redeem them online, I could not, and when I called the rep on the phone, they said I did not have any points either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX Balance XXXX : {$1300.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX & XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; DEPT OF ED XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I reserved a five-day stay at Marriott XXXX, and we stayed five days. During one night of our stay, occupants in the room next door were being disruptive and were doing damage to the room. We reported the issue to the front desk three times. At approximately XXXX the police arrived to remove the occupants from the hotel. 
Following the incident, I went to the front desk on 3 separate occasions to lodge a complaint and request a credit for the night. Each time I was told no manager was on duty to assist me ; they took my name and number and assured me someone would contact me. No one ever did. 

I did not authorize Marriott to charge me for the full amount of the stay, however, they did so when we left the hotel - I did not sign anything indicating that I agreed with the amount of the charge. 

The next day, I called my card issuer, Chase, to dispute the amount of the charge. I spoke with three individuals at Chase, including a supervisor. They told me it was not their job to assist with customer service issues, and that I had no recourse from them. 

Based on my own experience with other card issuers, and from what I've read, I believe it is the responsibility of the card issuer to assist in resolving discrepancies between service providers and consumers : XXXX XXXX XXXXXXXX XXXX I promptly closed my account with Chase.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am not responsible of this account. I am a victim of ID theft. People have used my information to open it and also make fraudulent activities. I have sent in multiple disputes and the other bureaus have removed it of my credit report, but you guys refused to do so. I have submitted my police report and FTC report, and verified my identification etc., yet you guys claim that this account has been verified. Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor. 2. The contact information for the creditor. 3. The name of the person who verified the item to you. 4. The method of communication you used to verify this information. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XX/XX/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 XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

My fiance and I are soon to be in the market to purchase a home. I prepared be checking my credit report to know my score. While doing so I noticed a few items that are not mine. These items need to be deleted from my credit report. I've contacted FTC and my local police. I'm doing this on my own behalf. There are still items on my credit report that are not mine. Chapter XXXX Bankruptcy, XXXX, XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX. inquiries : XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up complaint to the original complaint that was incomplete. The credit agencies are all reporting inaccurate, incomplete and false information. I have made several attempts to have corrected. I have submitted all requested documentation along with disputes to no avails. The inaccuracies are costly, costing me thousands of dollars a year in interest and lost opportunities. It is my right as a consumer to have accurate data reflected on my report. 
The Public Record item and account claims listed are deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, which extends to the reporting mandates that there be no deviation from XXXX Format compliance since, per the XXXXXXXX XXXX XXXX  " Any deviation from these standards jeopardizes the integrity of the data ''. 
Unfortunately, it appears the reporting agencies do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they include in their consumer reports that are prepared concerning me. The prompt attention to this important matter is requested in order to comply with federal law.
Product: Debt collection

i was notified by my credit reporting agency around XX/XX/year> that XXXX delinquent XXXX account 's where added to my report. ( i do not have XXXX ) I immediately looked and started calling the collection agency 's ( I live in XXXX  my whole life ) the address listed where from XXXX XXXX XXXX XXXX XXXX  XXXX and neither numbers where numbers i know. nor do i know anyone in XXXX  or gave permission to open an account. When i called XXXX they immediately transfer you to an automated line with no real help. file out a form and email it. I have done that multiple times, I've reported fraud on credit reports, and the collection gets removed to only be added by another collection name same XXXX accounts. its not XX/XX/year>, and it still keeps being added and removed. how can someone open a cell phone lines and not have an ID or license number correct information. but yet report to me. I've proven who i am, jumped through hoops, and it seems like they have to prove who they are to open credit fraudulently. Att has not helped at all. what else can i do. my score went from XXXX XXXXs all the way to XXXX with multiple delinquent accounts being removed and added over and over with XXXX being the common denominator.
Product: Credit reporting or other personal consumer reports

I have disputed several accounts consistently asking for a 1099 form that has never been received. As well as requesting to be provided with the proof of surety bond and forward flow agreement. I have never received any of this information have constantly asked for the credit bureaus to remove when not provided and they have not.
Product: Credit reporting

Several unauthorized hard inquiries on my credit report on XXXX2016 that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from my identity theft protection insurance company with a fraud account opened in my name. My identity was stolen and used to open a credit card at Barclays Bank. We called and notified them of the fraud credit cart. The credit card was created on XX/XX/XXXX and was canceled, however it has been under investigation with no outcome. Myself and my identity theft protection insurance has contacted them every 7 days, to 2 weeks with no results to remove the credit card from my credit report. It has been over 90 days when Barclays bank said they would complete the investigation. 

The desired outcome is that the Barclay 's Bank account AND the inquiry be completely removed from all of my credit reports.
Product: Credit reporting or other personal consumer reports

In this follow up I would like to express my extreme frustration and dissatisfaction regarding the ongoing failure to remove fraudulent items from my credit file, despite so many documented attempts to resolve this issue. The persistence of these fraudulent items is unacceptable and requires immediate and effective action. In regards of my previous attempts to address the fraudulent items on my credit file, they remain unresolved. This ongoing issue is causing significant distress and financial harm, and it reflects a serious breakdown in the processes designed to protect consumers from such errors. Several items on my credit report are outdated and should have been removed in accordance with credit reporting laws and regulations. The continued presence of this information is causing significant distress and financial harm. Through this, I am asking for your assistance to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request asking the three credit reporting agencies to block these accounts that are a result of Identity Theft within the 4 days timeframe and they were not deleted. 

Account # XXXX -- XXXX XXXX Account # XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transition dropped my credit score 28 points today XX/XX/2020 for NO Reason!!!! Its says no changes just decrease. No only have I had to hire a Legal Company/ XXXX XXXX to help me with the dishonest and inaccurate credit reporting this company is doing, now they are dropping scores with no reason, no bad debt added or nothing!!! I want accurate accounts only. Some accounts they report dont even have my social and its a total another person! I can sue for this per LL so Ill wait their action. I want this justified and fixed immediately. Its effected my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXBalance : {$200.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$420.00XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, on the FirstAdvantage background check a variety of things seem to be incorrect. The XXXX i'm applying for is in Colorado not XXXX florida, and the criminal record on file is for a XXXX XXXX XXXX, my name is XXXX XXXX XXXX, and do not have a record of any criminal activity and have never even been to the DC area. I would ask that this issue gets fixed as soon as possible please.
Product: Credit reporting or other personal consumer reports

XXXX  continue to report inquiries that are not correct.
Product: Mortgage

I was recently, in the last month emailed, that my monthly payment would be going up {$100.00} more per month to compensate for the additional {$490.00} difference in my insurance and taxes ( escrow ). I was also told that they had to double it because the previous year wasnt taken out enough then either. So due to their mistake, Im being charged an additional {$100.00} more per month for my mortgage.
Product: Debt collection

The company Credit Collection Services began reporting a debt collection to credit bureaus without any notice or communication. Under FDCPA regulations, Debt collectors must establish contact and give notice PRIOR to reporting to credit bureaus. 

I am also entitled to debt verification to which the collection agency has failed to comply. I disputed this through the credit bureaus and have not made progress. There are multiple issues with the manner that this account is being handled by the agencies as well as bureaus.
Product: Credit reporting or other personal consumer reports

Unauthorized credit card account opened an appears of my credit report