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

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXX # XXXX, has violated my rights XXXX  XXXX XXXX XXXX XXXX ... .has violated my rights XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX # XXXX ... h

as violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/2020, Rushmore Loan Management sent a letter stating my FICO credit score was below 720 based on a FICO score obtained from XXXX. My HELOC was suspended immediately. I requested an investigation and the HELOC was reinstated when on XX/XX/2020 when Rushmore 'pulled ' a FICO score and credit report stating the FICO score is XXXX. For context, the XXXX score is unchanged from XX/XX/2020 when I provided a copy of the FICO score to Rushmore after its letter stating my score was below 720. My credit history did not materially change in 2020 to warrant my score increasing by 3.5 % ( say XXXX to XXXX ) between XXXX and XX/XX/2020. 

On XX/XX/2020 I wrote to Rushmore to provide evidence of the FICO score Rushmore obtained on XX/XX/2020 from XXXX. To date, Rushmore has not provided me a copy of the FICO score it obtained from XXXX. Moreover, XXXX  has no record, nor any other credit reporting agency have any record of an inquiry on my credit report to obtain a FICO score on XX/XX/2020 by Rushmore.
Product: Mortgage

Our loan was sold to Mr. Cooper and they onboarded it wrong on their side!! This caused them to mischarge us each month, ding our credit, and harass us saying we didn't pay - all claims they now realize was on them this entire time! We only found out they had done something wrong when they tried to increase our mortgage payment by {$190.00} and then again another {$160.00} a few months later. 

We negotiated a 1 % rate cut to be paid by the previous mortgage lender for 2 years, and then our loan was sold to Mr. Cooper. They onboarding it incorrectly which caused our subsidy amount to be misapplied somehow on their end. 

Fast forward to our payment randomly increasing - Mr. Cooper claimed it was our insurance that increased which was not the case at all as it was minimal compared to hundreds of dollars. ( it was a quick answer they probably give to everyone so heads up ) After almost 15 hours on the phone we still don't have a resolution and its been 4 months. They removed the credit ding after providing proof we paid but now have adjusted every statement before XX/XX/year> because they were all inaccurate. 

It sounds like when they noticed something was wrong on their side they started putting escrow/subsidy in a " unapplied funds '' account. Then when we paid our monthly payment ( never been late ) it also went into this " unapplied funds account '' which showed they had our money but wouldn't apply it. - we STILL dont have a answer for the increases of our payment. They corrected our payment to what it should be going forward and they think the problem is solved. 

I have spent so much time on this and having to prove to them they are incorrect. They reversed the credit ding, but now can not provide me payoff information, or any information as was what supposed to be paid vs was actually paid. Its made it all the way up to advocacy team, and I have to reach out every two weeks reminding them I am still needing answers. The last response I have today is " I will get your more information after I get it from Account Servicing team. I HAD TO EMAIL EVERY EXCECUTIVE I COULD FIND TO GET TO THIS POINT AND STILL NOTHING HAS BEEN DONE. 

I would like someone from Mr. Cooper that has authority to reach and give me answers as to what we owe, what the money we have paid was applied to on their end as they removed and edited the documentation in our portal. Its almost like a cover up
Product: Vehicle loan or lease

my business i was running came to a haunt when my son was turned to online education which caused chaos in my life and the start of form filling for ever care act and taxes all while having the kid learning from the get go at home. i received a call from ally bank who was trying to act as a collector and told him according to the news CoVid-19 I am defecting payment for 120 days. Ally rep stated he understands and would handle it. i receive more calls, a letter, changes to credit report stating that this never happend and from a conversation from employee at ally bank yesterday. i said why was it not he stated he agreed on phone and that was it so I asked for a copy providing proof this has been done as well as documentation to restore my credit rating the previous rep screwed up from not doing his job. This is rediculus im at mercy of a anothe rindividual who cant do what was told on the phone and i am having to waste more time stress with credit ratings and what not only to regurgitate the same XXXX we discussed back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account 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 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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally Express my concern Regarding Zelles handling of disputes. Particularly in the light of the CFPB lawsuit Highlighting significant issues with the platform. Despite using Zelle, numerous of times and reporting discrepancies, My financial institution and Zelle failed to investigate my claims adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax and XXXX credit reports have the correct addresses, but a former address is listed as 'current ' and my current address is listed as 'former. ' I was able to fix this with XXXX on their website in about 30 seconds, but there is no way to fix this through the Equifax website -- all I can do is list an address as not being accurate, when the STATUS of my address is the problem.
Product: Debt collection

They are trying to collect a bogus amount from me when they was taking from my account for 7 months straight so there is no way the amount is correct
Product: Debt collection

I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5th ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries listed on my consumer credit report, as referenced below. These entries resulted from a data breach or fraud, and I demand verifiable proof bearing my signature or electronic signature. 

This letter is submitted personally, not through a third party, and I request your careful review. I never authorized these actions, and their presence on my credit report violates my consumer rights under : FCRA 605B Blocking of information resulting from identity theft, fraud, or a data breach [ 15 U.S.C. 1681c-2 ].

FCRA 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

After contacting the companies involved, I confirmed these accounts and inquiries were initiated without proper validation or original proof. Since I never authorized them, they are inaccurate and must be removed. Their reporting is a direct result of a data breach or unauthorized disclosure by creditors or third-party data furnishers.

I request immediate investigation and correction of these inaccuracies. Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The FTC Identity theft report was not made in error and is not of a material misrepresentation the mentioned accounts in the report fraudulent and due to identity theft.
Product: Credit reporting or other personal consumer reports

I filed several disputes with XXXX and Equifax asking them for the documents after the investigation. I sent them my police report and FTC report. This accounts were removed from my XXXX report after I disputed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof ( i.e., an original consumer contract with my signature on it ) that you have on file for the account ( s ) listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed below. I demand that the following account ( XXXX ) be verified or removed immediately : 1 ) XXXX XXXX XXXXXXXX Account number - XXXX Date opened- XX/XX/XXXX XXXX ) XXXX XXXX, XXXX Account number - XXXX Date opened - XX/XX/XXXX I respectfully request to be provided with proof of this alleged item ( s ), specifically the contract, note or other instrument bearing my signature failing that, the item ( s ) must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. In addition, please remove all non-account holding inquires over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within fifteen ( 15 ) days of the completion of your reinvestigation. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX does not correct my Equifax bureau with proper balance
Product: Debt collection

third-party collection agency pursuing a debt that is not owed to them. Despite no verifiable proof of the debt being owed or valid, Credit Control has engaged in attempts to collect it. This action directly contradicts XXXX 's rights under the Fair Debt Collection Practices Act ( FDCPA ), which protects consumers from unauthorized or abusive collection practices by third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried disputing XXXX information with Transunion Credit Bureau chat line Representative XXXX on today XX/XX/XXXX after XXXX but representative did not update record but instead disconnect the chat. Ive paid XXXX in full in XXXX but XXXX did not post to my account until the first week of XX/XX/XXXX. Ive disputed this record numerous times but no success. XXXX Credit Bureau has updated the information on their site as paid in full and account closed but when I told the representative XXXX with Transunion per the representative statement that they do not update record for XXXX which wasnt request I was asking and Im not sure how or why this type of response was given. I tried sending the chat request again to explain what Im requesting but the representative closed the chat in the middle of my response. Transunion has prevented me in placing a dispute due to no option for me to select the company. The balance is reflecting in the total debt but I dont see the company to select it to dispute and the representative did not take my request to place a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent in letters disputing inaccurate information on my credit reports regarding late payments, charge-offs, collections and inquiries. On XX/XX/2021 I sent in another set of certified letters to the bureaus but it has been 70 days and I have yet to receive a response from them. These accounts are false and misleading which has caused me to have XXXX XXXX XXXX XXXX!! They are purposely delaying their response and they don't care about my situation! I need help and they are in violation!
Product: Credit reporting or other personal consumer reports

Defamation of character and proper information being reported on my consumer report without my knowledge or consent. See attachments.
Product: Mortgage

1. I gave them the option of introducing my brother in law as the co-signer but Mr. Cooper put the hurdle that the co-signer should be immediate family member and living in the house. 
2. I am a US citizen, single mom with XXXX XXXX  of age XXXX with one son on XXXX XXXX. All his services and benefits are attached to this address. And I work as his live in XXXX XXXX XXXX. 
3. Mr. Cooper is pushing me to increase my own income by working more than I already do, if I get work outside I miss on taking care of my child who needs it. The debt to income ratio should not even be considered as I am already on the loan and have never missed a payment. So all they have to do is take my ex XXXX XXXX name off the liability of the loan. Otherwise it will keep the door open for my ex to harass and be XXXX  towards me and the kids legally even after I have permanent XXXX XXXX XXXX XXXX against him. Save me and kids from this abuse. He doesnt want his name on the loan, I dont want his name on the loan. 
4. I applied for loan assumption so I can keep my 3.375 % interest rate and I was already on the loan, I would not qualify for a refinance. Kindly help, ask Mr. Cooper to take my brother in law as a co-signer or simply remove my ex name from the loan and let me assume the liability. Anyhow for the past 2 years I have been the only one taking care of the loan.
Product: Checking or savings account

I deposited three checks into a Chase ATM machine. The deposit failed, and the checks were not returned to me. Upon calling the Chase XXXX, I was told that I would have to wait up to 10 days for Chase to investigate. They refused to dispatch a technician to the ATM machine to fix the problem. 

This was a critical deposit. This will literally cost me thousands of dollars because those funds are needed immediately. Had I known that Chase would wait 10 days to fix a problem, I never would have used the ATM for a critical deposit. 

They gave a scripted answer which was essentially " You have to wait 10 days. '' I called in the next day ( XX/XX/22 ), and they gave the same answer. They refused to dispatch a technician to the ATM machine to fix the problem in a reasonable amount of time. They refused to let me speak to a manager. 

The local bank staff attempted to help me but they were also blocked because of Chase 's default claim procedures.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I submitted dispute letters ( and I submitted a complaint last week but it didnt go through, but I have screen shot that something was submitted ) to ask the CRAs to show me and explain their verification process and failed to and have not responded to nothing at all. The accounts I am asking for the processes are : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( separate account )
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report incorrectly lists an open auto loan with a balance from XXXX XXXX XXXX. I sent a dispute with Experian who contacted XXXX XXXX XXXX who informed them the information was correct and no changes were completed. I contacted XXXX XXXX and they told me that that account was closed with XXXX balance. I contacted Experian and they told me that XXXX XXXX reported the account was still open and there is a balance. Both companies are blaming the other for the mistake yet no one will remove this information from my credit report.
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 my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practices violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the XXXX recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation. 

These are the accounts that I have marked as inaccurate XXXX closed XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8900.00}, {$8000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

One Maine Financial charged off a loan account # XXXX According to the Fair Credit Reporting Act when a creditor has written the account off is close I did not receive 1099-C form from the creditor .They got a tax credit and I am not able to to report this as Income to the IRS and I should not has this debt on my credit profile .Please send me any forms and documentation that you have a right to report this as a debt if you can not please remove this from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts.