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

I obtained a 1st mortgage ( via XXXX XXXX and a 2nd mortgage ( via Harris ) to purchase my property in XXXX. The second mortgage was a HELOC with a balloon payment at the XXXX year ( XXXX ). In XXXX, the loan matured and the remaining balance of roughly XXXX became due. Having never missed a payment and having always paid more than the payment amount, I applied to refinance the remaining balance. Since XXXX was reporting inaccurately to the credit agencies from XXXX until XXXX, my refinance of the remaining balance with Harris was denied. I still made monthly payments on the Harris account however, in XXXX the remaining balance was charged off as a bad debt. My credit accounts should reflect, " charged off, paying as agreed, '' but does frequently does not. Harris has been contacted regarding this issue at least twice, once in XXXX of XXXX and once in XXXX of XXXX. 
In a letter dated XXXX in response to my letter to Harris regarding inaccurate reporting, Harris stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect account reporting as charged off, paying under a partial payment agreement. 
In a letter dated XXXX in response to my letter to Harris regarding inaccurate reporting, Harris stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect Account reporting as charged off, paying under a partial payment agreement with all credit marks removed after the charge off date in XXXX of XXXX. 
I applied for a mortgage loan in XXXX of this year. I am in receipt of a loan denial because Harris is still reporting an inaccurate charge off date and is not reporting that the loan was charged off and paying as agreed.
Please see attached letters from Harris, loan approval and loan denial
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, and XXXX keep reporting charged off accounts on my credit file for experian as past due with recent past due payments and XXXX  is changing the balance due. both companies are also reporting new dates for past due balances when the accounts are charged off. i also sent in a police report and ftc id theft report to have those accounts removed from experian. i know this violates the fcra and i need those companies to remove those accounts from my experian credit file. this is illegal and it is preventing me from getting a new home. experian needs to remove those accounts also.
Product: Debt collection

Your fields do not have enough options to adequately start this process. 
RevMD Partners has been showing a {$200.00} debt with high impact on my credit report. I sent them a check for {$200.00} on XX/XX/2020. It cleared my bank account on XX/XX/2020. It is not showing paid on my credit report. Calls are met with a generic answering message.
Product: Credit reporting or other personal consumer reports

I am showing XXXX different student loans on my credit report. Please remove the following loans from my credit report. 
U S DEPT OF EDXXXX {$1500.00} U S DEPT OF EDXXXX {$1900.00} U S DEPT OF EDXXXX {$640.00} U S DEPT OF EDXXXX {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all inquiries are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXT XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a fraudulent inquiry from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach that has led to unauthorized activity on my credit report. 
The fraudulent inquiry that needs to be removed is as follows : XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I received repeated phone calls from company, I placed them on block and they will still call from another number
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By ghting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively aecting me nancially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your ndings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards.For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company veried and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either conrm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2013 with a balance of {$2600.00}.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCER, 

I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act (FCRA) and XXXX XXXX  compliancy requirements. 
The inaccurate entry is as follows: 
Acct Name: 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  
Date Of Charge-Off: XXXX 

I dispute this entry on the following grounds: 1. Reporting INACCURACIES : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity. 2. Lack of Notification: The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA. 3. XXXX XXXX Compliance: The XXXX XXXX Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant. I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and XXXX XXXX compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report. Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

FURTHERMORE FOR THE SANTANDER ACCOUNT I WOULD LIKE YOU TO KNOW THAT I WAS MADE AWARE OF ADMINISTRATIVE PROCEEDING File No. XXXX XXXX WHERE CONSUMER FINANCIAL PROTECTION BUREAU SETTLED WITH SANTANDER CONSUMER USA INC. FOR CREDIT REPORT VIOLATIONS IN CONNECTION WITH ITS AUTO LOANS. 

https://www.consumerfinance.gov/aXXXX


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

In accordance with the Fair Credit Reporting act XXXX 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 or other personal consumer reports

Subject : Formal Dispute of Credit Inquiry Pursuant to FCRA Laws- XXXX XXXX XXXX on XXXX Dear CFPB Office of Consumer Response, I am writing to formally dispute a credit inquiry listed on my Experian credit report originating from XXXX XXXX, which occurred on XX/XX/2022. This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ) regulations, which grant consumers the right to accurate and fair credit reporting.

Details of the Disputed Inquiry : - Creditor : XXXX XXXX - Inquiry Date : XX/XX/2022 - Credit Bureau : Experian Basis for Dispute : I have meticulously reviewed my credit report and can confirm that I did not provide authorization for, nor did I initiate any credit application or transaction with XXXX XXXX on the mentioned date. As per FCRA regulations, I am entitled to accurate and timely information in my credit report, and any inaccuracies or discrepancies must be promptly addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Covid-19 forbearance program regulations, its states that no late payment are to be reported to the financial credit bureau during this time covers forbearance period. I have a late payment on my report, I want removed because I am a victim of Covid-19 and legally should not have them there.

Section 4201 of the Cares Act amends Section 623 ( a ) ( 1 ), of the FCRA ( 15 U.S.C. 1681s-2 ( a )
( 1 ). Now, a furnisher of data to the consumer reporting agencies that allow its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by Covid-19 should not report the account delinquent, but should continue reporting as current, unless the account was delinquent before Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retro to XX/XX/2020.
Product: Student loan

I have uploaded a letter I am attempting to send to Mohela that lays out the entire process that I have done so far. I am willing to answer any questions that may arise.
Product: Mortgage

XXXX 2015, my mortgage loan was purchased from XXXX by Carrington XXXX XXXX In trying to setup auto payments the direction that I was given that I could fax over my bank account information for them to withdraw the funds was incorrect. After several calls I was later told the only way to setup auto withdrew is through the mail. Thereafter my payment increase despite being on a fixed loan. I switched insurance companies and for them to reduce my payment they stated I had to call back to ask for the analysis. So for my payment to increase no action has to be taken on my part but when there is a reduction when you have lower insurance you have to request an analysis. Unfair to the consumer. In addition, On XXXX XXXX, 2015 I called to ensure my extra payments were applied correctly to my escrow and it was not despite what the customer rep. stated who took my call. Every time I contact Carrington Mortgage I get a different response from a representative. They are pleasant but extremely inconsistent and extremely unfair to the consumer. I will be refinancing to run away from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent accounts which do not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these items. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

To whom it may concern, I have lived in my home from XX/XX/XXXX and I have paid my mortgage on time until XX/XX/XXXX when my husband was laid off and we started to fall behind on payments at that time we called the bank that had our home loan which is Bank of America to get a loan modification and they denied us so we still try to make a payment here and there but it still was not enough so we tired to get a loan modifation again and they only took off {$100.00} dollars for XXXX year and the next year it went back up by {$200.00} dollars. We called them and ask them why and they said it was because of the interest rate changing. So we tried to pay that amount but it was still hard to do. We have asked Bank of America to produce the wet ink note of our loan and they refuse to do so. So now they are trying to forclouse on our home and we are trying to apply for another loan modication and instead of them trying to help us they are trying to set a sale date. I know the law and they can not set a sale date while we are in the middle of another loan modification. Please can you help us. We are trying very hard to work with them. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Child Supoort showing negative/ past due / delinquent balance on my credit report.

15USC 1681 I States that a consumer has the right to dispute any item on the consumer report that is innacurate or unverifiable. The same law says a consumer reporting agency has to investigate the dispute if it returns back claiming to be accurate, that would imply an investigation was done. It should have been investigated prior to appearing on my credit report. However it could not be verified because the case law says it should not be on a credit report. Therefore proving an investigation never took place prior to it being applied to my credit report. Failure to investigate is a breach and a violation of 15USC 1681 i This has caused me several declines of credit, business opportunities, embarrassment, stress, car loans, home approvals and job denials based off of a low credit score. 
GET IT OFF MY CREDIT REPORTS! Transunion, Equifax, Experian and XXXX XXXX XXXX XXXX are all XXXX parties involved. 

1581 Usc 1681N states that is Civil Liability ; causing me emotional damages of well over I would like for it to be removed immidiately from all XXXX of my credit reports. And for all agencies involved to provide me remedy in the cash amount of XXXX $ paid to me within 60 days. By check by mail to my home address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all three credit report explaining my situation and the purpose to have a good credit. Recently my XXXX  was XXXX and they subtracted XXXX points because I open a new credit card and I think it is a lot of points and it is a mistake. My credit score instead of going up goes down. I dont have late payments and my credit uses it is not to high.
Product: Debt collection

I contact Credence Resource XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> requesting in writing regarding the collection of an alleged debt, account number XXXX in the amount of {$960.00}. This letter requested for VALIDATION of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ). 

I had asked the name and address of the original creditor, the complete account number and the amount. As well as, a detailed explanation and itemized statement of the charges and fees associated with the debt. 

In addition, proof that they had the right to collect the debt, including any agreement that grants them to authority to collect on behalf of the orginal creditor. 

Lastly, I requested that they send proof that the alleged debt is owed by me including any signed agreement or contracts.
Product: Debt collection

Ar Resources inc XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX M.O. XXXX XXXX To whom it may concern Re : This Account is not mineI received a alert from XXXX XXXX that you are reporting this fraudulent account as mine.

You claim I owe a debt to your company.

I am requesting that you provide validation of this debt! If you do not comply with this request, I will immediately file a complaint with all three credit Reporting Agencies, the Federal Trade Commission, and the Missouris Attorney Generals office.

Civil and criminal claims will be pursued.Sincerely, XXXX XXXX I have immediately sent a complaint to the CFPB!
Product: Credit reporting or other personal consumer reports

Hello I recently have been trying to dispute information on my credit that is incorrect or that I do not recognize. I also have notice many attempts that were made on my credit to view my credit information and get credit cards. I have made attempts to try to get the incorrect and fraudulent information off of my credit by writing the companies that are reporting the information to the credit bureaus. While I understand it takes sometime for this to occur, I was just given information that my social security number, email, name and address was all leaked during security breaches. This happened not once, not XXXX, but XXXX times since 2023. I am furious because not long XXXX this be the reasons for the fraudulent reports and incorrect information but what other negative impacts is this going make over my financial future in my quest to better my credit. My privacy has been violated. Under 15 USC 1681, my private information is supposed to be protected. That did not happen during this breach. Millions of us will end up with issued in the near future because someone has our social security number and other private information. How are we to trust anyone with this information because our government agencies that are supposed to protect us against this kind of information breach, can't even protect us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. U S DEPT OF EDXXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, I have become aware of fraudulent accounts that have been opened in my name without my authorization. I am requesting that all of the following accounts be immediately blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes particularly in light of the of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting few discrepancies, my financial institution and zelle failed to properly investigate my claims properly. I was informed that recovering lost funds was impossible and tracking them was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers bur has also allowed repeat offenders to exploit the system, leaving us users vulnerable to scams. This lack of accountability & transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

XXXX XXXX took a car insurance under my name and also take {$570.00} in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two reports on my credit from " Credit Control Corporation '', but I have gotten no mailings regarding this debt, if it even exists. I get phone calls that hang up from numbers associated with this company.