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

My XXXX report notified me that my previous mortgage lender showed me with a 30 day late payment as shown below. However, my account was paid current and never late and was actually being transferred to another lender three months after FBC originated the loan with me. I was then sent a letter from the lender stating that I was protected from any late payments under Federal law for 60 days while the loan was being transferred on XX/XX/XXXX. I made my XXXX mortgage payment to FBC on time and their records will show the same. They then had to send that payment to the new lender since the new lender took over the account and was not showing a payment made to FBC XX/XX/XXXX. FBC then transferred my XXXX payment to them to get it current and for some reason they reported the payment as being 30 days late. 
Not only is this fraudulent, but they violated my Federal protection during the 60 day transfer window. I have contacted FBC via phone XX/XX/XXXX and they said I have to wait 60 days for it to update. This is not acceptable and is fraudulent reporting on their behalf. 

FBC MORTGAGE LLC # XXXX XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Mortgage Account Loan Type : CONVENTIONAL REAL ESTATE MTG Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : : XX/XX/XXXX Pay Status : >Account 30 Days Past Due Date< Terms : {$0.00} per month, paid Monthly for 360 months Date Closed : XX/XX/XXXX Maximum Delinquency of 30 days in XX/XX/XXXX High Balance : High balance of {$560000.00} from XX/XX/XXXX to XX/XX/XXXX Remarks : TRANSFERRED TO ANOTHER LENDER Estimated month and year that this item will be removed : XX/XX/XXXX
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX 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 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.

Chapters View all
Product: Mortgage

On XX/XX/2023 US BANK HOME MORTGAGE DENIED ME A LIAN FOR HOME MORTGAGE BASE ON MY STATE NATIONAL STATUS AS BEING A XXXX AND DIDNOT DISCLOSE IN FULL DETAIL WHY I WAS DENIED YET TO ONLY DESCRIBE THAT THE XXXX WAS COMPUTER GENERATED NOT EXPLAINING IT WAS TOO LOW ETCETERA AS STIPULATED IN THE EQUAL CREDIT OPPORTUNITY ACT. I ALWAYS DISCLOSE MY NATIONAL STATUS TO GIVE CREDIBILITY TO MY NAME IN GOOD FAITH FOR THE SAKE OF COMMERCE
Product: Debt collection

Rent Recover of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX ( XXXX ) XXXX We lived in XXXX at XXXX XXXX and the lease was up in XXXX XXXX. Now this is on collection has to be removed. On XXXX/XXXX/XXXX was certified check of {$1200.00} On XXXX/XXXX/XXXX another certified check of {$1600.00} On XXXX/XXXX/XXXX another certified check of {$1000.00} On XXXX/XXXX/XXXX another check of {$110.00} Total amount was given of {$4000.00} case was dropped in court. We moved in the beginning of XXXX XXXX there charging us XXXX XXXX XXXX and XXXX which we no longer lived in the apartment complex when I tried talking to management I was treated very rude and disrespectful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable hard inquires which Equifax, XXXX and didn't make sure it was reporting 100 % correct. I called many many times and told both companies and no changes hasnt change. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX XXXX, XXXX stated that they are requesting a deletion from the Credit Reporting Agencies. As of XX/XX/2021 XXXX and Equifax is reporting that the account has not been removed.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED MY CREDIT REPORT FROM EXPERIAN, XXXX, AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE ARE FRAUDULENT ACCOUNTS BEING REPORTED IN MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO KNOWLEDGE WHO OPENED THESE FRAUDULENT ACCOUNTS UNDER MY NAME. THE FOLLOWING FRAUDULENT ACCOUNTS ARE XXXX XXXXXXXX - ACCOUNT NO : XXXX .... AND XXXX XXXX XXXX - ACCOUNT NO : XXXX .... THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK AND DELETE THE FRAUDULENT INFORMATION FROM THE CREDIT REPORTS WITHIN FOUR BUSINESS DAYS. BUT EXPERIAN, XXXX, AND XXXX CREDIT REPORTING AGENCIES REFUSED TO BLOCK FRAUDULENT ACCOUNTS BASED ON MY FTC IDENTITY THEFT REPORT THAT I WILL ATTACHED WITH THIS COMPLAINT.
Product: Credit reporting or other personal consumer reports

I discovered a fraudulent collection account for a utility bill in a state that I dont, and never have lived in.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 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.

15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom  It May  Concern My Name is  XXXX   XXXX   XXXX  my complaint is with  XXXX   XXXX   XXXX  Mortgag e is two p arts, credit reporting to the  XXXX  bureaus, I filed a Chapter  XXXX  in  XXXX  in doing so it was not aware that recommit my loan with  XXXX   XXXX   XXXX  Mortgage  XXXX  because of this our payment history is not being reported to the credit bureaus, we purchased our home in  XXXX  we have never missed a mortgage payment. however, we filed for a home modification in   XXXX   because it was becoming more and more difficult for my wife and i to make our mortgage payment because of the mounting medicals bills, however we were not behind on payment at the time we filed for the home modification with   XXXX    XXXX . we were told by the person handling the modification process with  XXXX   XXXX , that for us to qualify for the modification, we had to be behind on our mortgage payment. I told him at the time that we were not okay with doing this, because our home is very important to us. he then told us that it will not be jeopardize history or be reported a being late. it turns out that it was reported on our credit report. we did not find this out until I filed for a chapter  XXXX  in  XXXX  we have contacted  XXXX   XXXX   about  this matter to see if we could have this removed from our credit report. and, have them report our payment history to the  XXXX  Credit bureaus. we have not had any success in doing so. Please see if you can help us with this matter sincerely
Product: Debt collection

Dear CFPB, I am writing to dispute the accuracy of information being reported by XXXX XXXX  regarding an account that was sold to XXXX XXXX. The account with XXXX XXXX was opened in XX/XX/XXXX, with an initial balance of XXXX. Despite my efforts to resolve any outstanding issues directly with XXXX XXXX the account was eventually sold to XXXX XXXX on. 

Following the sale of the account to XXXX XXXX, I made a payment to XXXX XXXX in XX/XX/XXXX. However, XXXX XXXX  continues to report inaccurate information regarding this account. Specifically, they are reporting inaccurate summary of payments, dates, and balance owed. Despite multiple attempts to rectify this situation with XXXX XXXX the inaccurate reporting persists. 

I kindly request that XXXX XXXX correct the inaccurate information being reported to reflect the account 's sale to XXXX XXXX and the payment made. Furthermore, I request that XXXX XXXX  cease reporting this account, as it is now under the ownership of XXXX XXXX. 

Thank you for your attention to this matter. Please let me know if any further information is required to assist with the resolution of this dispute. 

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

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX {$1400.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX {$800.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX XXXX {$3700.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX {$980.00} XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX ) XXXX XXXX {$980.00} XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXX Balance {$800.00} TransUnion : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX Balance {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of Corona 19 Pandemic, I have a hardship, I called my mortgage lender Bay View / Community Loan Serving and I asked for help on XX/XX/2020. I was told that I will be in the forbearance program ( attached documents ), My credit report shows 13 months Mortgage payments late beginning XX/XX/ 2020. The bank has been pushing me to get my mortgage account current and I am doing my best. None of my family members or friends have late payments on credit report while they were in the forbearance plan. I am requesting that the bank correct the 13 mortgage payments late in my credit report.
Product: Virtual currency

Coinbase rep, XXXX has been being an XXXX to me. They require a photo id when adding cards to their system. He seems to think that their policy trumps federal government guidlines. I was unable to do so because their system was not allowing it, whatever I tried. He has the last XXXX of my ssn in his system. I am unable to do much without a good working phone. Explaining that to him, was just like explaining that to a brick wall.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy is showing on my credit bureaus of all three major credit bureaus although the filing was cancelled the same day and therefore it was dismissed with a XXXX balance. 

I have disputed this mater several times and it still shows on my bureau. It was not actually me filing. It resulted in fraud on my behalf. 

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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole  responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

In XXXX, I was the victim of a XXXX  in my house and I reported the theft of all material belongings ( television, computers, jewelry, money, among other things ) to the police and notified the theft of my credit and debit cards. However, accounts payable appeared and others went into collection and do not disappear from my credit report. The case was even taken to court and each time the judge ruled in my favor. because it is clearly evident that the credit cards were not in my possession at the time of the consumption. However, this history has not been removed from my credit report and they appear as closed accounts but with a debit amount. despite the fact that I sent them proof that none of those cards were in my possession at the time of the consumption, which also took place in different parts of the country on the same day.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME DPT EDXXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXXXXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXXXXXXXXXX XXXX XXXXXXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME DPT EDXXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXXXXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXXXXXX XXXX XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXXXXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX, XXXX, and Equifax have 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 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently asked my cousin to take me off as an authorized user on his XXXX XXXX card. All was fine until I recently got an update on my credit karma showing creditor companies saying I am still on the account. I called XXXX XXXX as Did my cousin and XXXX XXXX had told us I am no longer on the account. I just need this updated as soon as possible to help fix up my credit and make it accurate.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX and Equifax Account XXXX XXXX had late payment on an account.The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on paymenton the date post for the account that i have included in the screenshot inside this complaint in on the date of XXXX.Please investigate and provide proof with statement showing that this payment was late.If proof can't be provided I demand this payment be updated to paid as agreed on time.Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 52 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Credit reporting or other personal consumer reports

My private information has not been secured and has been accessed by XXXX XXXX and the DOGE agency. 

The XXXX XXXX has argued that DOGE is not an official government agency or instrument for purposes of the Privacy Act or the Administrative Procedure Act, but is an agency under the law that permits interagency detail agreements known as the Economy Act of 1932. 

I did not agree to or permit parties related to this agency to have access to my personal/ private information through the Department of Education or any other agency or company. My information has been comprised and I am requesting the verification of these student loans related to any and all federal loans for my account/ name/social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove XXXX XXXX from my XXXX Inquiries currently showing on my reporting. I do not know or have any known affiliations with this to the best of my knowledge. I have not known of any entity like this dealing with credit since 2015. A charge off in 2015. The statue of limitations are XXXX. XXXX. 
This looks negatively on my reporting .please remove, as a hard Inquiries. 
Thank you so much for your help! 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Starting XX/XX/XXXX I noticed I started getting pinged for credit inquiries, both soft and hard. Didn't think much about it, until too many inquiries were hitting my report. Someone has my information including but not limited to social security number, email, phone number, date of birth. This allowed them to make the following inquiries to allow them to open several accounts ( credit cards/debit cards/cell phone ) : XXXX. XX/XX/XXXX - credit card attempt with Capital One = XXXX XXXX. XX/XX/XXXX - credit card attempt with XXXX XXXX XXXX  = FRAUDULENT XXXX XXXXXX/XX/XXXX - credit card attempt with XXXX = XXXX XXXX. XX/XX/XXXX - credit card attempt with XXXX = XXXX XXXX. XX/XX/XXXX - credit card attempt with XXXX XXXX  = FRAUDULENT XXXX. XX/XX/XXXX - account + cell phone purchase with XXXX = FRAUDLENT XXXX XXXX  XX/XX/XXXX - credit card with XXXX XXXX = FRAUDULENT There are likely more out there on the different credit bureaus ' reports for me, but these are most of them. Also, and perhaps the most disturbing event happened XX/XX/XXXX. Someone in a black hoodie came and rifled through my mailbox, no doubt looking for a credit card he ordered or to get hands on proof of address from my home. Totally creepy. XX/XX/XXXX, while I was away for business in XXXX, my wife, XXXX XXXX opened a police report on my behalf. Report XXXX was filed with XXXX XXXX Police Department , specifically with Officer XXXX XXXX XXXX XXXX. Outlined in there were the several pieces of identity theft as well as the event where someone came to our home. I had opened disputes and thought this was all taken care of until this week, more than a year later. 

In the attempt to move/purchase a new home, my credit report showed a low number in the XXXX 's. Seeing as how I have no debt outside my mortgage and one other 0 % interest plan, I couldn't fathom why it was so low. Come to find out the hard inquiries were never removed, and the XXXX account with {$130.00} past due was never truly closed and removed either. Over the past 24 hours I have spend 10+ hours with credit bureaus and vendors attempting to remove the fraud on my account in the hopes my credit can be repaired to the high XXXX 's to help with a lower mortgage payment come XX/XX/XXXX in my new home. 

This has cause XXXX  and stressors on my family that I wouldn't wish on my worst enemy. I can only hope whoever reads this has sympathy on me, as I am a law abiding citizen that doesn't allow himself/family to live in perpetual debt. Please help me heal my score and my family as we move into a new chapter of life. 

Thank you and XXXX bless. 

XXXX XXXX