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

I have contacted XXXX credit reporting a few times requesting that they please report my XXXX account onto my credit report. This credit card has a XXXX balance on it and will help my XXXX credit score. I was told I need to contact XXXX and have them report it to XXXX. I contacted XXXX and was told they do report to all 3 credit reporting agency 's. I explained that this account is not reporting to XXXX. I could not get any help. I called back XXXX and explained what XXXX told me and they could n't help. I am submitting this complaint because I want this account to report on my XXXX credit report.
Product: Mortgage

I have been trying to drop my mortgage Insurance since XXXX of 2022. Each time I call they tell me that someone will contact you within the next 30 days to set up an appraisal. However 30 days passes and nobody calls when I call the Mr.Cooper to see what happened they tell me that they do not have any record of me calling. Incidentally I have a letter from Mr. cooper that was sent to me in XXXX of 2022 that it says they did an AVM and it shows that I have more than 20 % Equity in the home. In addition I have spent more than {$70000.00} in upgrades and I have all receipts to show. However with all the requests that I have asked them they refuse to drop he Mortgage Insurance or send an appraiser. I need help Please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed there are wrong addresses and phone numbers and even my name is wrong on my credit report I've tried to call and write letters to have them updated to no avail can someone please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved form 1099C from XXXX XXXX  on XX/XX/2021 forgiving my full debt to them in the amount of {$6300.00}. They told me that they furnished all three credit reporting agencies with the form. All three credit reporting agencies will not update my status from still owing the {$6300.00} balance to cancelled and zero owed as of XX/XX/2021. I have disputed this 2 times and they will not update the status of 1099C cancellation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001, any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX Account Number : XXXX under 18 U.S.C. 1001, any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit card or prepaid card

Chase sent us a Schedule of Unauthorized Transactions form listing a transaction from XXXX in XXXX, WA on XXXX XXXX, XXXX for {$1700.00}. 

This transaction is shown on our bill for XXXX XXXX as taking place for the above amount. 

Why was this transaction allowed to go through and be charged despite being on the Unauthorized Transactions letter?
Product: Credit reporting or other personal consumer reports

Capital one has closed account ending in XXXX on XX/XX/XXXX for unknown reasons & before payments were due. Also there were letters sent certified mail for payment cease and desist until creditor disclosure statement was returned by mail within 30 days. They have defaulted & decided to put a delinquent on my credit profile & is knowingly committing commercial fraud. I have a letter of them honoring cease & desist payments and this has been a problem since XX/XX/2024.
Product: Credit reporting or other personal consumer reports

Thank you for removing some items from my file that resulted from alleged identity theft. However, there are still remaining items that need to be addressed. According to FCRA Section 605, you are required to remove any items listed on an Identity Theft Report. Enclosed is a new Identity Theft Report # XXXX. This issue was mentioned in a previous complaint and is reiterated here. My attorney has been informed of my intentions and is prepared to hold you accountable for any willful noncompliance : Experian 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 Balance Owed XXXX {$150.00}. You have XXXX business days to remove these items from my credit file, which resulted from alleged identity theft. I do not consent to XXXX or any form of automated verification.
Product: Credit card

I initially contacted Verizon Visa Card on XX/XX/XXXX, about a {$350.00} charge that was made on XX/XX/XXXX. I disputed the {$350.00} charge and requested a reversal of the charges on the basis that the merchant ( XXXX XXXX XXXX ) has gotten paid TWICE at my expense... How? Because XXXX XXXX XXXX is CONNECTED to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I paid XXXX XXXX XXXX {$350.00} on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX has deducted {$400.00} on behalf of XXXX XXXX XXXX XXXX 

NOTE : It takes weeks for a tax refund to be processed, so this is why we have the dates XX/XX/XXXX and XX/XX/XXXXXXXX  in my complaint The amount of {$350.00} versus {$400.00} is because of a discount I paid UPFRONT! 

If clients elect to have tax prepared service fees taken out of their tax return, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) will deduct tax service fees from the clients tax return ; pay the tax preparer, and send the client the remaining balance!

However, if fees are paid UPFRONT, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) WILL NOT DEDUCT any fees and will send the full amount to the clientNOTE : The client is meTerrance XXXX! 

***For further details please see all ( 6 ) attachments 1. Letter to Verison Visa Card 2. Copy of the IRS Tax Form ( 2nd page only ) 3. Copy XXXX Payment Receipt 4. Copy of Bank Statement 5. TPG Receipt 6. XX/XX/XXXX letter sent to me by Verison Visa 7. XX/XX/XXXX letter sent to me by Verison Visa Please read " Letter to Verison Visa Card '' -- -FIRST ... .IT EXPLAINS IN GREAT DETAIL OF MY COMPLAINT...
Product: Debt collection

Multiple attempts to have accurate information on my credit file resulting in inaccurate verification through the credit bureau and the creditor. I have received nothing to corroborate this information.
Product: Credit reporting or other personal consumer reports

Ive submitted proof of Identification card, Social Security card proof of address These Fraudulent ACCOUNTS Should not be furnished on my consumer report as they are in VIOLATION!!! OF MY CONSUMER RIGHTS LAW CODES .15 U.S Code 1681b, 15 U.S. Code $ 1692c
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing this wrong inaccurate info on my report today I do not know what this is I contacted the creditors and credit companies but they all provided me with no information showing i gave my consent to open these accounts. 

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXk/XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I never received copy of original promisorry note as requested in last complaint. XXXX received a XXXX XXXX XXXX, without copy of requested original Promissory Note which would validate the lioan. 
Need promissory note immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Afni has put a XXXX collections account on my report that isnt mine and has previously been removed and is.nOw back on
Product: Debt collection

I have tried to communicate with the company several times and failed. I am losing any hope for this to be resolved. 

I have asked for them to send me documentation that will verify this account but has never received any response from them. I feel like they are violating my rights by not sending me proper documentation that is requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was stolen in XXXX of XXXX and was deemed total lost by XXXX who then paid off majority of the balanced owed on the account my Gap insurance company then reached out to Exeter on multiple occasions requesting them to send the documents needed ( payment history, contract ) in order for them to send the final payment to pay off the loan. Exeter employees repeatedly failed to send the information requested resulting in an extension of the account not being paid off. Exeter has since marked 1 late payment on my report for the month of XX/XX/XXXX. Upon finding this out I disputed the late payment directly through the credit bureau XX/XX/XXXX and they then came back and mark TWO late payments on for XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX sent Exeter {$13000.00} which would have covered any pass due balances. Had Exeter employees sent my gap insurance company the information they requested on XX/XX/XXXX this account would have too been fufilled in FULL. Due to the negligence of Exeter 's employees I am being held at fault when I was promised no late payments would be reported to my account. I hav esince called Exeter multiple time requesting they do the right thing and update the account in which they fail to do so. The late payments for XXXX and XX/XX/XXXX need to be removed as the account was satisfied in full and there would have been no late payments had Exeter done there job.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 address reporting to my consumer report. Only XXXX address is attached to my name and that address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All other addresses need to be deleted from my cosumer report. I have sent a dispute letter to the company. I have filed a complaint with the XXXX and the company response was that the disputed item is not reporting to my consumer report. The company response is false.
Product: Mortgage

On XX/XX/2022, I canceled my application after 48 days ( application date : XX/XX/XXXX ). During that time period Loan Officer XXXX XXXX failed to complete the tasks required for the loan in a timely manner. The loan XXXXfficer referenced took 3 weeks alone to complete the request for an appraisal because she submitted the request with the incorrect address. It took escalating the matter, and another member of US Bank 's team to rectify the situation. Once that occurred an appraisal was completed in 2 days, On several occasions, XXXX failed to communicate with me and my team. XXXX would fail to answer calls or messages for days at a time from both myself and my realtor. I often would call her multiple times per day and follow up with emails and still not receive any sort of communication or feedback. 
Over the course of working with her, XXXX also provided me with blatantly incorrect information. She would often justify her incompetence by citing " these are the VA requirements ''. After several requests for information, I ended up having to double-check all of her work with the Regional VA office , and they would tell me that the VA had no such requirement. XXXX knew full well that I was in communication with the VA regional office, and continued to lie about the VA requirements for the loan. Her repeated requests for irrelevant information resulted in my closing date being extended 3 times. 

After weeks of her incompetence, I decided to switch banks and notified XXXX that I would be canceling my loan application. From application to approval with a new institution, the entire process took 10 DAYS. US Bank has now lost a customer and I will not recommend anyone use US Bank because of the issues I have gone through. I would like to have my file reviewed and have the " denial '' removed from my file completely. The file needs to reflect that I canceled this request for a loan after WEEKS of incompetence by XXXX on behalf of US Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates has been and currently is reporting a closed/old account as an open/newer account on my credit report. This account was opened in XXXX and was closed in XXXX. Portfolio Recovery is reporting that this account was opened on XX/XX/XXXX and shows that the account status as " open '' on my credit report. 

At first I thought it was fraud because of the dates they have listed on my credit report along with the " open '' status so I disputed it as fraud. Once the credit bureaus declined my dispute, I looked further into it and realized that it is my old XXXX XXXX ( XXXXXXXX XXXX XXXX credit card account that is being reported as a newer opened account. I continued to dispute Portfolio Recovery on my credit report for incorrect dates and it keeps getting denied. 

I called XXXXXXXX XXXX  directly and they told me they no longer have any information on this account and that I need to contact the debt collector to obtain information/documentation. 

I called Portfolio Recovery Associates and asked for any documentation showing the original opened date for this account and I was told they do not have such documentation and that they can not send me the original account information showing when the account was actually opened even though they confirmed to me on the phone that the account was in fact opened in XXXX and closed in XXXX. 

I then contacted Portfolio Recovery Associates a second time by email and asked them for my disclosure file. I also specifically asked them for the date the account was opened and the date of delinquency. Portfolio Recovery has not responded to my email. They refuse to give me this information in writing, they will only confirm the dates verbally over the phone so I do not have proof/confirmation of the true account information. 

I need help. I have attempted every avenue to get this information from Portfolio Recovery and to correct my credit report.
Product: Credit card or prepaid card

I initially called on XXXX when my card was declined making a purchase. I checked my card to find I had a XXXX balance. There was previously over {$1100.00} on the card. I spoke to representative on XXXX and initiated the dispute. She told me to fax the statement back she was sending me with disputes highlighted by the XXXX. I sent it back by the XX/XX/XXXX. I then followed up on the XXXX to make sure they received my fax. They did and said I'd receive a provisional credit by the XXXX of XXXX while they investigated the claim. I called today to find out they denied my dispute of {$690.00} with no explanation except " Conflicting information ". They said they'd send me a letter. No provisional credit, no investigation, nothing. I was blown off by the representative on today 's date of XX/XX/XXXX with no chance to appeal over the phone. I was never sent a dispute form either. I was told to just " Write the dispute amounts on the statement she was sending me. "
Product: Debt collection

Due to hardship I had a Capital One credit card debt go to collection. The account was referred to Client Services for collection. I contacted Client Services and spoke with XXXX XXXX. He agreed to accept {$770.00} to settle the account ( see attached letter ). I sent the {$770.00} as agreed and they sent a letter that says the account was settled in full but that I owe {$510.00}. Then Capital One reported the account to the credit bureau as past due in that amount with no reference that the account has been settled and I no longer owe them ( see attached ). This is fraudulent collection practice and I need a letter that states the account has been settled and I no longer owe them and my credit report updated to reflect the same.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding XXXX XXXX XXXXXXXX 's failure to correct an error on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Under the FCRA, credit reporting agencies and furnishers of credit information, like XXXX XXXX XXXX are required to ensure that the information they report is accurate and to correct any errors in a timely manner. 

I previously disputed a late payment, and the payment for XXXX was corrected by XXXX XXXX XXXXXXXX. However, as can be seen in the attached image, this correction was reversed, and the late payment was re-added to my report. 

Despite my efforts to resolve this issue directly with XXXX  XXXX XXXX, they have failed to meet their obligations under the FCRA to accurately update my payment history. I request that the CFPB intervene to ensure that XXXX XXXX XXXX complies with the law and corrects this error. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$550.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I took out student loans totaling {$19000.00}. At the end of school in XXXX, I started paying on my 15 year loan. I paid for 7 years. When it came to my attention that the balance was not going down any longer ( around XXXX ), I contacted XXXX XXXX. I was told I had refinanced my loan into an Interest-Only Loan. I  DID NOT do that so I asked for paperwork to show me when I asked for this and show me my signature. It never arrived. I stopped paying on the loan until it could get this resolved. These communications went on over the years and the loan went into default in XXXX. In XXXX, it came to my attention that I had an entry on my credit report in the range of {$90000.00}. After going back and forth again, I finally made a Complaint with this agency, the CFPB ( I think around XXXX ). The entry was removed from my credit file. Later, I received more communication in the mail. I sent two certified packages ( with 32 or 33 pages  each ) to the address provided. When I followed up by phone, they would say they never received the package. Nothing became of it and I did not hear from them any longer. Now, they have send a Wage Garnishment to my employer. When I called my Payroll Dept, I was told this was from the Dept of Education. I asked for copies ( I will send to you ) and they are not the Dept of Education - they are a collection agent posing as the Dept of Education. It is a different collection agent than before. I did not have a student loan even close to {$90000.00}. Is a Collection Agent allowed to collect " late fees '' and garnish my wages? Are they allowed to pose as the Dept of Education when they are not? I can be reached at any time at XXXX. Thank you for your assistance in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections XXXX XXXX {$840.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX  Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$840.00} High Balance {$840.00} Remarks Consumer disputes this account information XXXX XXXX XXXX {$1100.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1100.00} High Balance {$1100.00} Remarks Consumer disputes this account information XXXX XXXX {$190.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$190.00} Remarks -- XXXX {$2000.00} XXXX XXXX  {$17000.00} XXXX  XXXX XXXX {$3400.00}
Product: Payday loan, title loan, or personal loan

Took out a second loan approx XX/XX/XXXX from XXXX at the time and now is under One Main Finance Account Number XXXX. 

I went to pay this loan off on XX/XX/XXXX in the amount of XXXX via an electronic payment that was accepted. on XX/XX/XXXX it showed I still owed XXXX that was then paid via electronic payment. on XX/XX/XXXX it showed I owed XXXX which I made another payment of XXXX dollars since I had deferred interest on the loan in the amount of XXXX which was payed via a phone payment on XX/XX/XXXX and taken out of my account on XX/XX/XXXX. 

As of XX/XX/XXXX they showed me owning XXXX which I paid again, and this morning it shows I still owe XXXX. 

They do not seem to be able to find the payment of XXXX ( page 2 of bank statement ) that was made and state there is a problem and they are looking into it as of this morning after talking with them. This is also what they said yesterday on XX/XX/XXXX. 

Note that this payment did show up on my account when I looked on XX/XX/XXXX and now has disappeared. 

According to my calculations they owe me the XXXX dollars that I paid on and should not owe the XXXX cents that currently show me owing.
Product: Credit reporting or other personal consumer reports

I recently accessed my credit report and noticed some inquiries that I did not authorize