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

Foreclosure by Wells Fargo is still on my credit report and effecting my credit even though it is over seven years old. According to XXXX, Wells Fargo reinstated the 12yr old information.
Product: Checking or savings account

This has been happening since Ive opened the account all the time Ive had multiple checking accounts with them and these have happened on all of them since 2017.
Product: Mortgage

The payments I counted on to meet my budget was confirmed by the bank. It was not until later that I was made aware that the payment had changed to an amount that I can not afford. All documentation that was given to me when I signed the mortgage showed a payment of {$1000.00} And that payment would be barley manageable but I could budget for that amount. The new payment that they are requiring is not affordable. Had I known what this new payment would be before the closing, I would not have signed the loan. 
I do not want to lose my childhood home and am looking for someone to possibly help me.
Product: Credit reporting or other personal consumer reports

I have contacted all three Credit bureaus, Equifax, XXXX, XXXX to update and correct my personal information : My correct information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX I have never lived at : Remove these addresses XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Debt collection

I have a currently have to collection accounts listed on my credit report by a debt collection agency First Federal credit control on behalf of XXXX XXXX XXXX XXXX, in the amount of XXXX and another amount of XXXX. First Federal Credit control is not license in the state of Florida and therefore I am disputing this collection account
Product: Debt collection

Account Name : CAPITAL ONE AUTO FINAN Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XXXX,XXXX,XXXX  Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX  XXXX BANK # XXXX XXXX  XXXX BANK # XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX U.S. Bankruptcy Court # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i received a hard inquiry on my XXXX account from Bank of America. Bank of America, despite sending me an email on my account, could fine no information on an account for me. Since they had nothing, they could not issue the required letter to XXXX to remove the hard inquiry from my account. i am attaching the inquiry showing on my credit report and the email from Bank of America. I am amazed that a bank can send me an email but have no record of sending it or why the email was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apple, Inc. offers a credit card, the Apple Card, which is issued by Goldman Sachs. One can apply for the Apple Card from the XXXX app on their XXXX, which I have done more than once. My application has been denied each time ( most recently today, XX/XX/XXXX ), and each time I have received an email explaining the reason for the decision. In every email, the reason is " You have recently been past due, '' and my credit score is displayed as XXXX ; each email states that the score was obtained from TransUnion and provides a phone number to call XXXX  with questions. 

Every time I receive this email, the same information is displayed ; I will attach a copy of the most recent email I received regarding the decision made by Goldman Sachs based off the information they received from TransUnion on XX/XX/XXXX, which I am attesting is inaccurate. At the time of this writing, I am currently and have been on hold with TransUnion for over eight hours cumulative, and my credit score -- as reported for free through the XXXX XXXX app and provided by TransUnion -- is XXXX ( a screenshot will be attached ). I have not been late on any non-medical payments in two years, which is reflected in my Credit Karma app ( I have also attached screenshots to support this ), and the XXXX credit score lines up with my credit history from approximately two years ago -- I have access to free copies of my credit report through XXXX XXXX going as far back as XXXX, and although I haven't always used XXXX XXXX as frequently as I do now, there's a score of XXXX around the time I imagine this score of XXXX might fit. 

I called TransUnion earlier today ( XX/XX/XXXX ) using the phone number provided in the email I received. I waited on hold for an hour and explained my situation to the representative who took my call. She stated she could sell me a copy of my credit report for {$9.00}, but for my security she couldn't give me any information over the phone. When I expressed disappointment, she stopped speaking to me for at least two minutes. When I asked her how she expected the call to end because I had no intention of hanging up, she hung up on me. I called back from the same phone number XXXX my personal mobile phone number ) and waited for another hour, asked for a supervisor, and have since been waiting for over seven hours with no answer and no further guidance. I know that currently, due to COVID-19, they are operating under alternate hours, and they " close '' at XXXX Eastern ; I live in Arizona, so at the time of this writing it is XXXX XXXX Arizona time and they are closed, but I am still waiting on hold. I will continue to wait as long as I must to get an answer, or until the call disconnects, because I need guidance regarding why my credit score is being reported by one company, TransUnion, to two different companies as two different scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no XXXX party involved.Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Please don't ignore my request to correct the following : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an credit card account opened at at XXXX XXXX XXXX on XX/XX/XXXX Account number XXXX An Collection Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) on XX/XX/XXXX Account number XXXX An Collection Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) hard inquiries not authorized for : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX DEPARTMENT OF EDUCATION, XXXX XXXX XXXX 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 ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

To whom it may concern ... 

We reside in the state of Washington, and our primary home mortgage has been with Flagstar Bank for several years. We recently applied for re-financing through XXXX XXXX XXXX. Our credit is stellar, and there should not be any problem in obtaining refinancing, and thus a lower interest rate. 
However we have learned that it appears that our home mortgage is in " forbearance ''. This has prevented XXXX XXXX XXXX  from processing our mortgage application. We did not ask that our loan be put in forbearance, and we were not notified of this in any way. Our mortgage statements indicate that our mortgage has accrued interest in a normal manner. We continue to make full and prompt payments, without fail. 
We contacted our mortgage company, Flagstar Bank. They stated that our loan is not in forbearance, despite appearance that it is. They stated that because the governor of the state of Washington declared a natural disaster in this state, that FEMA directed the verbiage on our home loan to give the appearance that it is in forbearance, even though it is not. They claim that they can not remove this verbiage, and XXXX XXXX XXXX  can not process the loan application as long as it is on there. 
Our home loan has not in any way been affected by the CoVid pandemic. As stated, this action was not requested, and we were not notified. It appears that this is violation of the Fair Credit Reporting Act, and we are being harmed by this action. 
Whether it is FEMA or Flagstar Bank, we are requesting that this verbiage be removed from our existing home loan, so that we can continue with our refinancing plans. 
We very much appreciate your help with this.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX & XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 reported in 60 days to be removed. 


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, XXXX & XXXX XXXX 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 XXXX
Product: Credit card

I have XXXX. I have been in school. This month i get a doctors bill from XXXX 60 days over due. Someone steals my bank card for my bank. Now my credit card keeps going up even though im making the minimum payments. This is sick. This is criminal. My discover card was under XXXX two days ago. Im making no charges on it and now it is over and i think it is to stop me from continuing to publish myself as XXXX. I have the right to do what i want and to fight fir my career. I am not going to be a XXXX or work with XXXX. I am now one class short of a degree in XXXX and i want to be XXXX and XXXX using insurance as an excuse when i was XXXX for fove years is wrong. So is my credit card company and XXXX squeezing me dry. Im not crazy. This bullying is. Im not a loser. I will not be pushed down and told i cant be XXXX. That is what im trained to be. My education is XXXX.
Product: Credit reporting or other personal consumer reports

Subject : **Demand for Immediate Deletion of Inaccurate Credit Reporting for XXXX XXXX To Whom It May Concern, I am writing to demand the immediate deletion of my XXXX accounts ( Account Numbers : XXXX and XXXX ) from my credit reports maintained by Experian, TransUnion, and Equifax. The inaccuracies present in these reports clearly violate the Fair Credit Reporting Act ( FCRA ), specifically under 602, 606, and 611, which require credit reporting agencies to ensure accurate reporting and rectify errors promptly.

# # # Inconsistencies Identified : 1. **Account Status Discrepancies** : - TransUnion shows the account status as **Closed** for both accounts, while Experian and Equifax report conflicting statuses . This inconsistency is unacceptable and violates FCRA 607, which mandates maximum accuracy in reporting.

2. **Payment Status Issues** : - Both accounts are marked as **Charged Off** ; however, the last payment dates are inconsistent across the bureaus, which further complicates my credit profile. This lack of consistency violates FCRA 607.

3. **Balance Reporting** : - The accounts reflect varying balances across the agencies, which is misleading and undermines the integrity of my credit report. This discrepancy is a clear violation of FCRA requirements for accuracy and completeness.

4. **Last Reported Dates** : - The last reported dates differ between the bureaus, creating further inaccuracies that compromise my creditworthiness. 

Given the severity of these violations and the harm they cause to my credit profile, I demand the immediate removal of these XXXX accounts from my credit report. If these inaccuracies are not corrected within the legally mandated time frame, I will explore all available legal remedies, including seeking damages for the harm caused by these reporting errors. 

I am also aware of the recent data breach affecting these credit reporting agencies, which further raises concerns about the security and integrity of consumer data. Under U.S. Code 1030, organizations are required to implement adequate measures to protect consumer data, and failure to do so necessitates immediate corrective action. 

Please acknowledge receipt of this complaint and inform me of any actions taken to rectify these serious issues. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate listing of a Chapter XXXX and Chapter XXXX Bankruptcy on my credit report. Furthermore, I reached out to the Indiana Bankruptcy court and they provided me documentation that they do not give any third party 's or companies information, and they don't report bankruptcies to any credit bureau. They refuse to remove this inaccurate information or provide the verification method.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not authorized anyone to do credit check in my report and there have been about 18 inquiries that Im not aware of and someone is using my identity. I want to protect my identity please remove those inquiries as it was not me or I have not authorized anyone to look into my report
Product: Credit reporting or other personal consumer reports

Inaccuracies are highly damaging to my credit score : XXXX  Account XXXX By The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

Date : XX/XX/2022 Bank of America Acount Ending in XXXX Case Ref Number XXXX My name, we've made the decision to close your deposit account ending in XXXX because we're unable to verify your identy.
Product: Mortgage

In XXXX XXXX I got new homeowner 's insurance that saved me over $ XXXX on my annual insurance premium. That month, I reached out to Homepoint, my loan servicer, about the change and requested an escrow analysis because the new insurance amount would lower my monthly payment. 

However, I had to call back in XXXX because it hadn't been completed. I spoke with a representative in XXXX for nearly an hour to get an " out of cycle '' escrow analysis completed. They assured me it would be done, but said they could not provide me a confirmation email or request/ticket number so I could follow the process because, as the representative said, " it's an internal process. '' Come XXXX, I found out that my loan was transferred to a new servicer, XXXX XXXX and saw that my loan amount was still the same : {$1400.00}. When I called XXXX XXXX the new servicer, they said Homepoint had not completed an escrow analysis and they would have to start the process from scratch. 

XXXX XXXX  completed the escrow analysis for the next billing cycle in XXXX and reduced my monthly payment to $ XXXX $ XXXX cost savings for my mortgage payment. However, because I had been paying the old monthly payment amount for the months of XXXX, XXXX and XXXXbecause Homepoint failed to complete the escrow analysisI lost out on {$120.00} that could've been applied directly to my mortgage 's principal amount. 

I spoke with a representative at XXXX XXXX and they said I would have to take the issue up with Homepoint, so today, XX/XX/2022, I called Homepoint and was told the escrow department did not complete the escrow analysis because the monthly payment amount difference was " not significant. '' I was never notified of this decision by Homepoint. Instead, they pushed the escrow issue off for XXXX months and eventually onto my new service provider. And XXXX, the Homepoint representative, could not clearly tell me where the monthly {$42.00} overage ( total : {$120.00} ) for the homeowner 's insurance premium portion of my escrow account was paid. 

I am attaching the escrow analysis completed by XXXX XXXXdemonstrating the significance of the homeowner 's insurance premium change in relation to my escrow account and resulting monthly mortgage payment adjustment. I am also attaching my XXXX and XXXX mortgage statements from Homepoint and XXXX mortgage statement from XXXX XXXX  which includes my transaction history for the months of XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting on my credit for a debt that isn't mine or I do not owe. IT looks like it is for medical but I have always had insurance and never owed this. 
I have never got a notice from this company ever ... 
This debt is old and not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed multiple disputes for the same account with Experian credit report. The account was verified as correct after submitting numerous disputes with documents to prove the account is incorrect. The final dispute was submitted on XXXX XXXX, and it was verified as correct on XX/XX/XXXX. The account was disputed as follows : XXXX XXXX XXXX XXXX  XXXX Date verified : XX/XX/XXXX Incorrect : XXXX  : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Please update or remove. The account was included in a bankruptcy filed on XX/XX/XXXX and discharged. I have submitted the discharge order to Experian Credit Bureau. XXXX and XXXX Credit Bureaus are reporting a XXXX balance without a charge-off. The account should not show a balance or charge-off because the debt was discharged in bankruptcy. Also, the account is showing a open discharge since XX/XX/XXXX. The bankruptcy is over XXXX XXXX XXXX and I am not able to establish more credit or apply for a mortgage with a balance and charge-off on my credit report. I am submitting all supporting documents with this complaint.
Product: Debt collection

Do not have a contract or document with Rent Recovery Solutions that I am in title to pay XXXX dollars to their company starting on XX/XX/2013.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, I have checked my credit report on XXXX. And there was some accounts and inquiries that DO NOT BELONG TO ME. and currently facing challenges in disputing several accounts that have inaccurately appeared on my credit report, negatively impacting my credit score. Specifically, accounts attributed to entities like XXXX and others do not belong to me and are erroneous. These inaccuracies are significantly affecting my financial standing. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES ( 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: Debt collection

On XX/XX/year> I received notification that a new collection was added to my credit report it was opened it states on XXXX XXXX. I have no knowledge of this debt and only found out once it was placed on my credit report.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XXXX XXXX XXXX {$770.00} XXXX XXXXXXXX {$490.00} 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : transunion, XXXX, XXXX Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.