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

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. Thos account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was notified that they was removed but they are still showing up on my credit report when it shouldn't be. So they new this an Still considered On violating my rights based on 15Usc 1681 So the following ( Hard Inquires ) need to be removed And then you need to provide me with a accurate Credit Score ... Because that has been tampered with as well when the profile was frozen as well as locked a second violation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We have had a VA Loan through PennyMac since XXXX. In XX/XX/XXXX, I received notice that our monthly payment increased from {$1300.00} to {$2300.00} due to an increase in property taxes and homeowners insurance. I called and they suggested submitting for a Mortgage Assistance program that would reduce the payment and bring the loan up to date. I submitted the application on line including the documents requested in late XXXX and was told to continue to pay the {$1300.00} until the Mortgage Assistance is approved or denied. I then called my insurance and changed the homeowner 's insurance which brought the payment down to a little over {$1800.00}. However, I did not hear anything about the Mortgage assistance, and then received a demand for payment for {$2200.00} as I was behind in payments. I called PennyMac about the situation. and was told the mortgage assistance had been denied and we needed to bring the account current as we were behind since XX/XX/XXXX. The denial was based on incomplete documents as they requested a XXXX and never received it. I had submitted in on line thru their web site. I was never notified of the denial. I brought the account current and was told the Mortgage assistance was not needed as the account is current. Further review of the latest bill indicated the amount in Escrow was over {$7000.00} and the monthly amount put in escrow is {$620.00} out of the payment. I called on this situation as the taxes and insurance totals around {$4000.00} per year. I was told that they had paid the taxes and insurance and they were being paid back for last year and this year. They gave me no further information. 
I am wondering why there is so much being taken out of each payment and being put in Escrow as they should have been taking the taxes and insurance out since the Loan was initiated. I have never received a delinquent notice from the County or the insurance company. I understand PennyMac can only take about XXXX to XXXX of what they paid out last year for Escrow purposes. This is obviously much more than that and more than what is owed. That is the purpose of this complaint, that they may be illegally be taking money from me.
Product: Credit card or prepaid card

Received an email from Synchrony Bank requesting information on a closed account. I contacted the telephone number provided and no one was able to advise as to why this email was sent on a closed account. This could be potential fraud and no one at synchrony bank can explain where the email was originated from.
Product: Debt collection

I had taken a loan from XXXX XXXX XXXX around XXXX. This loan was discharged in XXXXr XXXX bankruptcy. The company ( XXXX XXXX ) also received proceeds from the bankruptcy. They then sold the loan to XXXX XXXX, XXXX and they attempted to collect on the debt. I notified them server times that the loan was discharged in bankruptcy. I provided the bankruptcy case number with every interaction I had with them. I then just received notification from January XXXX XXXX agency that XXXX XXXX hired them to now attempt to collect on discharged debt. I also provided them with the bankruptcy case number. I then attempted to contact XXXX XXXX also on XX/XX/2024 and was unable to speak with anyone. I also called XXXX XXXX to attempt to contact their corporate offices and was informed that they no longer have the loan with them because it was sold to XXXX XXXX.
Product: Mortgage

My mortgage is with Benchmark Mortgage. I purchased the home, approximately, XX/XX/XXXX. School taxes came out XX/XX/XXXX. I mailed a copy of taxes to the mortgage company. I received a call from XXXX tax collector stating that the taxes were not paid. When I called the mortgage company I was told there were comments in my account XX/XX/XXXX Taxes Paid - no check was ever dispersed. I am now going into the 4th week with trying to get these taxes paid. Benchmark Mortgage has {$2600.00} in my escrow and will not release the funds. I keep being told will be resolved within 24 hours. That never happens. I went back to the broker who represents Benchmark Mortgage and am being told they are working on it with a manager of the processing department. I ca n't seem to get resolution and am risk of being sent to tax claim.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in y credit report. Despite my submissions Equifax consistently responds within 24 hrs that the account is accurate without providing any evidence of a thorough investigation .This practice violates the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Social Security Admin - I paid them in time not sure why this is on my Credit report XXXXXXXX XXXX XXXX XXXX XXXX  XXXX I paid off loan XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
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 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: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Climb Credit regarding an inaccurate 30-day late payment reported on my credit report. On XX/XX/XXXXXXXX XXXX I mailed Climb a dispute letter requesting validation and investigation into the inaccurate reporting of a late payment. In my dispute, I specifically requested that Climb provide the following information : Confirmation of the date Climb received my payment for XX/XX/XXXXXXXX 
The payment amount that was applied to reconcile the late payment reported for XX/XX/XXXX. 
Despite my reasonable request for verification and supporting documents, I have not received any response from Climb. This lack of communication and failure to investigate violates my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit card or prepaid card

I was charged inappropriately for an item refunded by a vendor on my XXXX ( XXXX ) statement. I have auto-payment from my bank account for the full balance every month, but in the XXXX statement this is not reflected in the balance due. I have tried calling 4 times- was disconnected before completing the call 3 times and the 4th time was not resolved until after >45min on the phone and was connected with a supervisor who acknowledged the error. However this took several calls, emails and auto-responses telling me there was no error. I will now be closing this card as I can not afford all the time and pushback from the Goldman Sachs/Apple Card staff who appear undertrained.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : The reported late payment for XXXX, XXXX, XXXX and XX/XX/XXXX are incorrect. My payments were made on time, as confirmed by my bank statement ( attached ), which shows that the payment was processed and cleared before the due date. 
Clerical Error : There appears to have been a clerical error in recording the payment. My account history with XXXX XXXX shows consistent on-time payments, and the sudden report of a late payment does not align with my payment behavior. 
Extended Processing Time : The payment was made within the grace period provided by the creditor. However, due to an extended processing time on the part of the creditor, the payment was erroneously marked as late. This delay in processing should not negatively impact my credit report. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I sent a letter to all three bureaus XX/XX/XXXX, XX/XX/XXXX and Experian XX/XX/20 regarding incorrect personal information my name, address and place of employment was wrong I provided them a copy of the drivers license, social security card, and a utility bill for my current address. Nothing changed on my report. I followed up with a second letter XX/XX/20 providing the same information along with a notarized statement I received an updated copy of my bureau 's all of which still reflect incorrect names, addresses, as well as old employers that I have not worked for in over 8 years.
Product: Credit reporting or other personal consumer reports

Things that were removed off my credit have appeared back.
Product: Checking or savings account

There was a checking and savings account opened with my social security number, license number, and signature. I found the account paperwork while going through my parents stuff. They did not tell me about it. I do know that there was a rent being paid by my parents with the account every month. I think it might have something to do with medical mal practice settlement. I am not completely sure. Some time after, I went to the Wells Fargo to figure it out. There was person with whom I attended high school that worked there, I explained to him the whole situation, and he gave me a run arounds story, shined me off, and told me that the account had been closed. He lied. To this day, I think money from that account is being used. Either it was transferred to a new account through the same bank or transferred to a new bank. Recently, I noticed there was a monthly beneficiary payment being made to my name and social security number. This might have been that account. I also noticed on past tax returns that there are six digit number involved somewhere in the refund. I do not know if that is a mistake or if that has to do with the bank account. Most likely it is not a mistake because it shows the same for the following years. There is some financial assets being kept from me, and my beneficiary account might be in some body else 's name, and my account might have been discontinued. On the lawsuit paperwork there is a box checked that says, " civil lawsuit is unlimited, exceeds XXXX. If it is not the lawsuit, then it might be some type type of compensation, and it has been kept from me for some time now.
Product: Bank account or service

My wife and I have a Home Equity Line of Credit ( HELOC ) with Citibank. The account number is XXXX and is in the name of XXXX and XXXX, XXXX, XXXX, Ca XXXX. 
The Credit line is for {$380000.00}. The money is in this HELOC account and when we need to use it we transfer funds from the HELOC to a Citi Gold checking account # XXXX. 
We then are charged interest from the time the funds are transferred to the checking account. These accounts were set up in XX/XX/2016 and we have transferred funds numerous times since then. 
This morning the Citibank web site that we access to make the transfer contained a notice that said. " To avoid a change in your Citigold package increase your combined average monthly balance to at least {$200000.00} '' My wife had an on line chat with the bank and this was confirmed. 
We are now forced to pay interest on a minimum of {$200000.00} of funds we are not using. 
Th
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRY DETAILS XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, US bank XX/XX/XXXX XXXX these were all reported as fraud and they never removed them and they are showing up as hard inquiries. can they please be removed i had nothing to do with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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

I received a updated copy of my credit report and noticed that there were information on my report that was missing and is not getting reported through the credit bureau. According to my transunion report, they are not reporting a car loan from XXXX XXXXXXXX XXXX for my auto loan that was opened XX/XX/2022. It is paid every month on time and not report on transunion display any car loan from XXXX XXXX XXXX of any payments.
Product: Credit reporting or other personal consumer reports

I emailed and reached out to company. 


I was charged an large amount balance that stated I owed old apartment complex. The information that I received from apartment complex and the amount that was reported to the credit Bureau from this company was incorrect and does not match what I was given and what was on my ledger. 

I also was not given information about this company reporting to my credit agencies and I am wanting and needing to file a dispute and also wanting to take this information to a lawyer. I was improperly charged for something I do not owe and believe these people are trying to get funds out of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft. The inquiry listed should be removed for these are fraudulent. XXXX XXXX XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Processing Transaction layer XXXX XXXX  EXPERIAN* CREDIT REPOR XXXXXXXXXXXX XXXX activity type debit status type icon pending Processing. Select to mark activity type debit XXXX XXXX XXXX EXPERIAN* CREDIT REPOR XXXX XXXX as Reconciled XXXX I cancelled this Experian membership XXXX months ago and it is charging again.. 
Please credit it, I was told I could get a free membership standard check. 
I will be disupting it once it processes tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rushmore is a company who engages in mortgage fraud and deceptive business practices. 

Since XX/XX/2020, all mortgage payments have been paid on time, however this company has continued to report missed payments and an increased mortgage balance. 

On XX/XX/2020, I received a credit alert from XXXX   indicating that my mortgage balance increased almost {$3000.00}. No payments have been missed and I did not request any mortgage assistance under the COVID 19 relief program. In fact, I specifically sent written correspondence to Rushmore that I did not seek any such assistance and that I expected my payments to be reflected as paid on time. 

Rushmore is a crooked shady company and has been the subject of a several consumer fraud lawsuits. This company needs to be investigated by federal and state agencies. ( please see the attached alert ). 

This company continues to violate the Fair Debt Collection Practices Act. 

I can produce a cancelled check and/or bank draft for each and every monthly payment
Product: Debt collection

Violation HIPPA, PHI and California 's Medical Privacy StatuesIn reference to accounts you 're reporting to on my credit reports Please be advised that under Federal Statutes the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and California 's Consumer Credit Statutes, you may be held liable for the following actions ( a ) Duty of furnishers of information to provide accurate information. ( 1 ) Prohibition. ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer-reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. In addition, the HIPAA and California 's Medical Privacy Statutes are in effect in this situation even though the health care services provided may have been prior to enactment. The Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. In general, PHI encompasses substantially all " individually identifiable health information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. The furnishing of my account information is not in compliance with HIPAA, or California 's Privacy Act, and any subsequent reporting of this account on my credit reports XXXX is a clear violation of Public Law XXXX ( " HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.
Product: Debt collection

The information this debt collection agency is claiming to be mine is not accurate information.
Product: Credit reporting or other personal consumer reports

My credit report contains mistakes related to 15 USC 16c-2. The listed inquiries weren't approved by me, and they're harming my credit score. Kindly remove these unauthorized inquiries. I appreciate it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not get any loan from this company. I believe someone used my identity to get the loan. I want this off my credit and resolved since it is affecting my credit report. Thanks
Product: Credit reporting or other personal consumer reports

This company is reporting a account that I dont have and have can you open a account with a debt collector account they is reporting a false account and I want them off my credit report now.
Product: Mortgage

I h have a mortgage through Ocwen, I did miss a few payments but two months ago I resumed making payments and they started sending them back. They said they would not accept any more payments on the account unless I could bring the account completely current. I called the company 2 inquire about a loan modification. The call was accepted by someone in XXXX, who spoke so quickly I could not understand him. I requested him to slow down so I could get the help that I needed and he did not. I requested to speak to someone who either would slow down or put me in contact with someone who spoke English he said he would help me and did not transfer me. I downloaded the loan modification papers and fax them to Ocwen 3 days ago and now they say they did n't receive them but I do have a receipt saying that I sent them I ca n't get any help it 's like they want to foreclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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