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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX, DC XXXX Subject : Formal Complaint Regarding Inaccurate Reporting by Equifax on Settled XXXX XXXX XXXX XXXX Account Dear CFPB, I am writing to formally file a complaint regarding the inaccurate reporting of a settled XXXX XXXXXXXX XXXX XXXX  account on my credit report. The account in question was settled with XXXX XXXX XXXX, a collection agency based in XXXX XXXX, New Jersey, on XX/XX/year>. XXXX XXXX XXXX acted on behalf of XXXX XXXX XXXX  XXXX to collect this debt. 

Despite this settlement, Equifax continues to report this account as a collection/charge-off, which is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX  XXXX and Equifax were required to investigate and correct this information within 30 days. However, the account has remained incorrectly reported for over a year, causing significant harm to my credit profile and financial standing. 

I respectfully request the CFPB to investigate this matter and compel Equifax to : 1. Correct or remove the inaccurate information regarding the XXXX XXXX XXXX  XXXX account from my credit report. 


2. Ensure compliance with FCRA regulations regarding the timely resolution of disputes and accurate reporting of credit information. 



I have enclosed supporting documentation, including evidence of the settlement with XXXX XXXX XXXX, communication records, and copies of my credit reports showing the disputed entry. 

Thank you for your attention to this matter. I trust that the CFPB will assist in resolving this issue promptly and ensuring adherence to consumer protection laws. 

Sincerely,
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Mortgage

My name is XXXX XXXX and OCWEN is my current mortgage servicer. My property is XXXX XXXX XXXX. XXXX XXXX, SC XXXX. I purchased my home in XX/XX/XXXX and my servicer previously was GMAC before they filed chapter XXXX bankruptcy. I have had ongoing problems for over 3 years now in the handling of my account. Currently, I am being told that I am behind by over two months on my payments. Over the course of my loan I have had my payments misapplied to principle only and various other issues which at times would make my account delinquent. On many occasions I have had to call and apply extra payments to ensure my account was current to avoid being reported as delinquent on my credit report due to these issues. Their have also been several calls made in which I was told my account was up to date and or caught up over the last 3 years and now I am being told I have not been on time in over 2 years. 
Communication has been poor at best with OCWEN. Miscommunication has been amplified due to my XXXX XXXX as I am a service member, making communication challenging. My wife on more then one occasion has told OCWEN and GMAC employees that I have been XXXX in effort to make them aware of the SCRA and has been rebuffed. Even now I am provided pay histories and as I look at it it does n't show when my payments were misapplied and then reapplied which possess a major problem in itself. I am being told I began to fall behind when my ESCROW payments increased but the issues predate that action making it seem like all I am being handed is an excuse to get me to pay with no true effort to find the source of the issues. On top of that the increase in ESCROW would not be when it started as it can also be seen that additional payments were being made to my mortgage to cover that increase. 
At this point the negative reporting on my account is potentially impacting my government clearance, which is need for my job. I am also experiencing a negative financial impact, as I can not refinance with negative reporting. We have requested ESCROW statements since XX/XX/XXXX and none have been provided or received and I am aware of the CFBP and XXXX requirements of service. In the end I have received only a partial history again. No real research has gone into the issue either. My account has been mismanaged for many years now and it appears true to the reputation of OCWEN it is continuing. 
I have filed these before and most recently the history I was provided did not reflect the many times OCWEN has had to reverse misapplied payments, which brings into question their accounting practices. What also is disturbing is the fact I have had negative reporting while items were in dispute which to my understand is in violation of TILA the Truth in Lending Act and had negative reporting while XXXX which is my understanding is in violation of the SCRA. Most recently I have been requesting copies of my ESCROW analysis and have not received it. I have not received a copy of my escrow analysis in over two years. Now that I am considering modification and have requested the forms I have not received that either.
Product: Debt collection

XX/XX/2018 -Bronstein & Weiss contacted friend -Company said they were a law. They said they've been trying to get in touch with me about a pending lawsuit in XXXX County that's being filed by Friday. They left a phone number, case file number, and extension. 

XX/XX/2018 -I called Bronstein & Weiss -They claimed I owed {$680.00} and would accept debit card payment. They sent over a single page contract. 

XX/XX/2018 XXXX XXXX -Bronstein & Weiss contacted mother -Company left a voicemail claiming to be a law firm stating that I owed {$680.00} and was going to recieve a {$38.00} fine if I didn't pay by XXXX XXXX that day. 

XX/XX/2018 -I contacted Bronstein & Weiss -I  requested that they stop contacting others about my debt. They said they would talk with their head attorney. They gave me their address of XXXX XXXX XXXX once asked. They attempted to send a single page contract again that I never signed.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities.
Product: Debt collection

I recieved a call from a XXXX XXXX claiming he was collecting for his client XXXX mutual. Call back number is XXXX ext.XXXX claim number XXXX. He claimed I had been in an accident back in 2015, but I was n't. He had an old address of mine my full name but wrong date of birth. I have brought this to my car insurance awareness already and I was hoping this agency could futber look into this. Thank you
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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

I have several inquiries that I know nothing about. There are multiples by the same companies. I had a freeze on my credit so I not understand how there are still these inquiries. I have called several times and sent letters to the credit bureaus with no action. I most recently just called last week and they asked me to send letter again which I have already done and still they are not being removed. I also have  XXXX  hospital bills that are not tied to me that they have not removed even with evidence sent. I have student loans that have been consolidated and payment is not due and they will not remove how they are negatively reporting even though they are not negative.
Product: Credit card

On XX/XX/XXXX I accidentally made XXXX almost duplicate ( XXXX difference ) payments to my credit card at Chase. 

Later that day I called them and explained and they said they would reverse two of the payments.

Over a month later and Chase is claiming that they reversed the two payments but they have not shown up in the bank account from where they were initially paid TO Chase.

I have been on the phone with my bank, Bill Pay, and Chase everyday for nearly a week and Chase continues to say they returned the tow payments ( totalling nearly $ XXXX ) to me. 

I have documentation of each phone call. 

Chase has documentation of my bank account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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 to be updated. 


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 TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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: Debt collection

i was contacted to pay the account by another company and i did now this company is calling me to pay it again
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hyundai acct XXXX. I turned in daughters lease in XXXX  In XXXX. Probably over a year later my daughter gets random phone call from Hyundai saying we owe over {$2000.00} on that car. No correspondence, no breakdown. I reached out to Hyundai asking for this information. I called several times to arrange for payment plan but each time I called it was like the first time calling. Very frustrating. Mind you I was never late on lease payment and I have excellent credit. At some later point I receive a letter stating a negotiated price of payoff of XXXX. But of course that amount was due in 2 weeks or so which I didnt have. I did send them the XXXX amount but probably 2 months later. I figured it was paid off. Then my credit score takes a hit of over 100 point down because I now have a delinquent charge. I reached out asking for it to be removed but they refuse Its so unfair and such poor business
Product: Credit reporting or other personal consumer reports

Within the confines of the Federal Trade Commission Report, as a Identity theft victim, TransUnion failed to properly clear all fraudulent accounts presented in a timely manner. TransUnion is the only Credit Reporting Agency to neglect proper procedural laws for identity theft victims application and laws of FCRA governing credit reporting. This issue should've been resolved within five business days. Given the sensitive nature of the credit reporting corrections that needs to be done, I will initiate a lawsuit against TransUnion within fifteen days for punitive and compensatory damages sense this affects my entire family. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, XX/XX/2021, XX/XX//2021, XX/XX/2021, XX/XX//2021, XX/XX/2021 pulled credit report without my permission from unverified source.
Product: Student loan

I submitted a student loan consolidation application through StudentAid.gov to have my loans currently serviced by XXXX consolidated and moved to Mohela. I submitted my application on XX/XX/XXXX and it is currently XX/XX/XXXX and my loans have yet to be moved to Mohela. 

XXXX states that they sent the payoff amount to XXXX and XXXX claims they forwarded by application to Mohela but Mohela says it's not in their system yet. Thus, my loan consolidation seems to be lost in limbo. 

I'd like an answer to when I can actually expect Mohela to have my loans active in their system ( or better yet for them to actually be moved over ). I've spent hours on the phone with these 3 companies and they all point at each other as the issue. I'm concerned about getting this done in a timely manner so I can quality for the one time PSLF adjustment. Thank you for your attention to this matter.
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 XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : 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: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

XX/XX/24 I called in to Mr. Cooper because my XXXX forbearance is ending XX/XX/24. I was advised a payment deferral was in process and my next monthly payment would be due XX/XX/24. XX/XX/24 Mr. Cooper sent me my payment deferral letter stating that my payment was due XX/XX/24 not XX/XX/24. I called them and they said there is nothing they can do to correct it. It makes it very difficult to turn around and ask for nearly XXXX in XXXX weeks ' time after a hardship.
Product: Prepaid card

around 3 months ago from today XX/XX/year> I submitted a dispute because my card was compromised and was used to make a ton of online purchases totaling up to {$50.00} once I submitted the dispute 3 months ago I got a response today and was told it had been denied after looking over my account with no other reason.my funds where wrongfully stolen from me and nothing was done about it.once I asked them for what reason on my account made them deny me I was ghosted.
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 has violated my rights. Or 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: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment regarding the ongoing dispute process for inaccurate and unverified negative items on my credit report. It is XXXX  to find myself in a continuous cycle of disputing these items, especially when they have been previously acknowledged as inaccurate by another credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received alerts on my credit report. When I check my report I don't recognize the listed inquiries. XXXX XXXX XXXX XXXX XX/XX/22, XXXX  XXXX XXXX XX/XX/22, XXXX XXXX XXXX XX/XX/22, XXXX XXXXXXXX XX/XX/22, XXXX XX/XX/22, XXXX XXXX  XX/XX/22 XX/XX/22, XXXX XXXX XXXX XX/XX/22, XXXX XXXX XX/XX/22, XXXX  XXXX XX/XX/22
Product: Mortgage

I have been telling my mortgage servicer, XXXX XXXX XXXX ( website : XXXX XXXX XXXX ) that they raised my escrow to the wrong amount since approximately XX/XX/XXXX. My payment went up from around XXXX a month to XXXX a month. I have been asking that they change this every month since I can't afford an extra 50 % on my mortgage. I have been saving up my mortgage payments every month instead of paying them as XXXX has told me my overage on escrow will not be paid back until I am fully current. They have FINALLY realized that they messed up my escrow and are changing my payment back to XXXX, and have stated that I need to pay my full balance of {$6000.00} today, and they will send me back XXXX by the end of the month. I can't make that payment, also this is money that never should have been due to them. I have the XXXX I SHOULD owe them waiting. This has negatively impacted my credit of course, but I'm not going to let them hold my money while I struggle because they messed up my escrow. Yes, they worked off of data they received, however I found out on Saturday ( XX/XX/XXXX ) after calling them for probably the 5th or 6th time on this matter that my report in XX/XX/XXXX or XX/XX/XXXX ( was not tracking this at the time ) was never used to verify my escrow, just a comment that I asked.
Product: Debt collection

They rushed me into a settlement deal and I don't even know that they are a legitimate company. Each time they call they say you have only 24 hrs to complete this paperwork. Etc. Since being rushed into a settlement deal I have seen accusations of them being fraudulent on the internet and I just don't know how they rush me so much! I am in the middle of my work day and they are telling me this action needs to be completed today! I haven't had time to research the company to see if they are legit and I've already given them {$1000.00}. They want me to rush the last {$500.00} to them or they will tag on more fees... .Also I had mentioned to the lady that there was fraud on my account and that is what the debt is from. Is there a chance I am not responsible for the debt?
Product: Debt collection

The company, Creditors Bureau USA had contacted me via phone about a month ago asking for my personal information. I had told them that I do not discuss these affairs over and I will need written verification. They also told me that I could find this information on their website which is false as they only take payment on the website without a reference number. I am a victim of Identity theft and will need all of the information to make my written response. 

I sent an email this morning letting them know that I have not received my written communication.
Product: Debt collection

RMP LLC is contacting me via telephone call every day, sometimes twice in a row back to back to collect a medical bill debt of {$1700.00}. I answered one of the calls, informed them that I have made a payment and to please stop contacting me. They continue to call daily.