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

Experian, XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, XXXX and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, XXXX and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, XXXX and XXXX inaction violates federal law and my rights as a consumer.
Product: Mortgage

I am reaching out to address an ongoing issue regarding a tax assessment payment that has not been properly resolved, despite multiple attempts to clarify the situation. Below, I have outlined the key details of this matter and request your immediate attention to ensure a resolution. 

Background : On XX/XX/XXXX, I notified XXXX  of a delinquent assessment notice from the XXXX XXXX XXXX XXXX XXXX regarding a tax assessment of {$970.00}. This amount included a 25 % penalty due to the missed payment deadline of XX/XX/XXXX. 
My review of my XXXX closing documents, specifically under the Projected Payments section, confirmed that escrow was designed to cover taxes, insurance, and assessments. Based on this, I assumed these assessments would be paid through the escrow account. 
Despite several follow-up emails, I received no response from XXXX. 
On XX/XX/XXXX, Mr. Cooper disbursed these fees from my escrow account for Miscellaneous Tax and did not apply the late fee. I assumed this issue had been resolved and that the payment would be made routinely moving forward. 
On XX/XX/XXXX, I received a new notice from XXXX XXXX XXXX XXXX XXXX stating the tax assessment was again delinquent, now totaling {$1000.00}, including the 25 % penalty. 
I have sent multiple emails regarding this issue since XX/XX/XXXX, but have only received automated responses, with no substantive follow-up from XXXX. 
Key Concerns : Lack of Response : Why have my repeated inquiries been met with automated responses instead of actionable assistance? 
Payment History : Why was this tax assessment paid in XXXX, and now XXXX is claiming it is owed by the client? 
Lack of Notification : Why was I not notified that this assessment would not be paid via escrow as I initially expected? 
Supporting Documents : I have the necessary support documents related to this issue and can provide them if required.
Product: Credit card or prepaid card

This is recurring followup complaint of my earlier complaint XXXX. Citi needs to investigate the actual disputed charges and not the legit charges. The response to earlier complaint does n't support investigation of disputed charges that are fraudulent. 

I have been talking the customer service giving them all the detail though there is no proper action to resolve this issue. This is the worst customer service support that I have ever experienced by any bank. Without looking at this issue Citi is sending me communication that does n't help. I am have been struggling on this issue for last 3 months with no proper resolution. 

Citi has not read my issue shared in my earlier compliant and responded appropriately.
Product: Mortgage

Our home went to Auction at the XXXX XXXX, WA XXXX on XXXX XXXX, 2015. I contacted XXXX XXXX and gave them our case CFPB case number XXXX. 
On Monday XXXX/XXXX/2015 We were served an Eviction Summons ( residential post-foreclosure ) that we need to respond to by XXXX XXXX, 2015. It is from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. Phone number XXXXXXXXAs being included in a Class Action Lawsuit against Green Tree Servicing LLC , I am informing them in writing of such and we will not be leaving our home until this is resolved. We have worked with them diligently to keep our home to no avail. We will be appealing this process with the XXXX XXXX XXXX XXXX, XXXX XXXX.
Product: Mortgage

LOAN MODIFICATION STARTED XX/XX/XXXX I HAVE BEEN CONTACTING PHH MORTGAGE FOR AT LEAST 3-4 YEARS FOLLOWING UP ON A LOAN MODIFICATION. MONEY HAS BEEN SPENT ON NOTARIES AND CERTIFIED OVERNIGHT MAIL.. STILL NO APPROVAL AND YET AGAIN PHH MORTGAGE IS ASKING ME TO START THE PROCESS ALL OVER AGAIN. THIS MORTGAGE COMPANY IS VERY UNPROFESSIONAL AS WELL AS THE STAFF WHO WORKS THERE. I HAVE EMAILED REQUESTED DOCUMENTS AND SPOKEN WITH NUMEROUS STAFF MEMBERS AND IT SEEMS LIKE EVERYONE HAS AMNESIA WHEN I ASK IF MY DOCUMENTS WERE RECEIVED. HERE I'AM IN XXXX STILL NO RESOLUTION. UNBEKNOWNST TO ME NO ONE HAS YET TO REACH OUT AND ASSURE ME OF MY ACCOUNT STATUS. HOWEVER, WHEN I DO RECEIVE A PHONE CALL, ITS ONLY TO INFORM ME OF MISSING DOCUMENTS AND/OR EXPIRED DOCUMENTS RECEIVED. AS OF XX/XX/XXXX I FINALLY RECEIVED AN ACCEPTANCE LETTER STATING MY LOAN MODIFICATION WAS APPROVED. PAYMENT WAS MADE ON XX/XX/XXXX, LATER I RECEIVED A DENIAL LETTER FOR MISSING DOCUMENTS. REASONS BEING MY MIDDLE INITIAL WAS NOT WRITTEN ON THE NOTARY DOCUMENTS ''REALLY '' PHH MORTGAGE SENT THEIR OWN NOTARY TO MY PLACE OF EMPLOYMENT TO CORRECT THE LEGAL NAME. UNKNOWINGLY, THERE WAS A DEADLINE FOR THE DOCUMENTS TO BE RETURNED BY THEIR ASSIGNED NOTARY AND I'M TO BE HELD ACCOUNTABLE FOR DEADLINE. AS OF TODAY XX/XX/XXXX, I RECEIVED A PHONE CALL FROM PHH MORTGAGE STATED MY LOAN MODIFICATION WAS NOT ACCEPTED AND I NEEDED TO START THE PROCESS ALL OVER AGAIN. AFTER MAKING 3 ON-TIME PAYMENTS I WAS TOLD BY A SUPERVISOR THAT SOMEONE WILL REVIEW MY ACCOUNT AND REACH OUT TO ME. I'M DEALING WITH STRESS & XXXX BECAUSE OF THIS PROCESS AND NO ONE IS TAKING THE INITIATIVE TO RESOLVE MY ISSUE ; YET EVEN READ THE NOTES IN THE SYSTEM BEFORE CALLING ME. I HAVE A RELATION 'S MANAGER BUT SOMEHOW MY DOCUMENTS ARE STRANGELY DISAPPEARING. THIS IS BY FAR THE WORST MORTGAGE COMPANY I HAD EVER EXPERIENCED.
Product: Credit reporting or other personal consumer reports

XXXX / Dept of Ed Account Number- To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

I first disputed the account regarding the balance of {$1700.00}. I advised not even the rent was that amount or close. The lease was broken due to unlivable conditions, which Oklahoma law permits without penalty can be done. I supplied a video link of the living conditions in question. Other fees assessed are incorrect as the property has not supplied any evidence to support the additional cleaning or fees from cleaning the property after it was vacant. I request for deletion of the Collection account from XXXX with the balance of {$1700.00} from my credit report. No deletion occurred. I submitted a second request with the following comments : Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2, This company has no permission to report anything using my info pursuant to 15 USC 1681 4. Again, the account was not deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. please remove the following items : XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-MT XXXX Balance XXXX : {$0.00} XXXXXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$5800.00} XXXX XXXX Bankruptcy Discharged Reference # : XXXX XXXX XXXX Bankruptcy Discharged Reference # : XXXX
Product: Debt collection

XXXX  otherwise know as XXXX XXXX XXXX started unlawfully sending me collection notices on XX/XX/2022. This had been resolved in XXXX. XXXX  threatening again for ( 2 ) debts that are over 7 years old. Now they are somehow harassing me when make an inquiry on current credit cards, Im placed on hold, redirected to XXXX, where They claim that they didnt call me, rather, I called them. Obviously, this collection agency has found another way to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit report dropped XXXX points in one day with no explanation ... No visible change to credit report when I compared last report just 2 days before to the present report through XXXX business account ( free ). I can visibly see no activity to warrant XXXX point drop. Their ( XXXX ) disclaimer is that the report is free and credit will not be affected anytime it is accessed. I called Experian and XXXX getting no answers ... both stating it is only a service they both provide. I have relocated and am trying to rent a new residence.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX XXXX, XXXX - I have an old C.C. account ( XXXX ) - ( it now has new last four digits ) with XXXX XXXX. I've had this account for more than 12 years ( I'm not giving the exact time ) and I was 30 days late on a payment more than 9 years ago and they are still reporting me as having a late payment history. I have contacted all three credit reporting agencies and XXXX XXXX credit card services and they all give me the same reason for not having the item removed - " We are required by law to accurately report your payment history. If you can show proof that this information is incorrect simply submit your dispute in writing and we will investigate and then get back with you regarding our findings ''. Seriously! I'm not disputing the fact that I was late on a payment - but am I to be punished for the rest of my " credit '' life for being 30 days late ONE TIME - YEARS AGO? That's TERRIBLE! A XXXX  can get paroled and even a commuted sentence but a 1 time late payment stays with you for LIFE. Surely there is SOMETHING that can be DONE? Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC and receivewd copies of the FTC Fraud report. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included these reports in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need your help removing the following accounts items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 {$170.00} XXXX XXXX XXXX  XXXX Balance {$1200.00} XXXX XXXX XXXX  XXXX Balance {$3500.00} XXXX XXXX XXXX XXXX  XXXX Balance {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$620.00} XXXX XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX XXXX XXXX Balance {$69.00} XXXX XXXX XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XXXX XXXX XXXX Balance {$89.00} XXXX XXXX Balance {$76.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$140.00} XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$860.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX REPORTED XXXX Balance : {$80.00} ; XXXX  SELF- REPORTED XXXX Balance : {$8.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$940.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ;
Product: Debt collection

In getting a copy of my credit report, I discovered I have a debt from a company not licensed to collect in my state, per the WV State Tax Department. The company is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. My name is XXXX XXXX and I have reviewed my credit report and found several errors which need to be rectified as soon as possible. 

Firstly, I would like to dispute the following bankruptcy cases as they do not belong to me : Bankruptcy XXXX XXXX-dismissed Case Number : XXXX Bankruptcy XXXX XXXXXXXX-dismissed Case Number : XXXX I request you to remove these items from my credit file immediately as they are not mine. 

Secondly, I would like to dispute the following accounts as I can not recognize them : XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX Please investigate these accounts and delete them from my credit report if they do not belong to me. 

Thirdly, I would like to dispute the following accounts as they have incorrect information : XXXX XXXX Account Number : XXXX This account has a payment history even though it's a charge off. Please delete this account immediately. 
XXXXXXXX XXXX  Account Number : XXXX This account has a payment history even though it's a charge off. Please delete this account immediately. 
XXXX XXXX XXXX XXXX 
Account Number : XXXX This account has never been paid late. Please update this account and delete the inaccurate information immediately. 
Fourthly, I would like to dispute the following personal information as they are incorrect : Account Number : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX This address is not correct. Please delete it from my report. 
Account Number : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX This address is not correct. Please delete it from my report. 
Account Number : XXXX This is not my name. Please delete it from my report. 
I urge you to comply with the Fair Credit Reporting Act ( FCRA ) law, and investigate these items in a timely manner. Please inform me in writing of any corrections made to my credit report. 

Thank you for your assistance in this matter. 

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

In Regards to XXXX ACCT # XXXX I am writing to file a formal complaint against XXXX XXXX for major violations of consumer reporting laws as outlined in the Fair Credit Reporting Act ( 15 U.S.C . 1681 et seq. ) and other relevant statutes. I have found numerous inaccuracies and unauthorized reporting on my consumer report, which have had a significant impact on my financial well-being. 

Upon reviewing my consumer report, I have identified several instances where XXXX XXXX has reported late payments, amounts, balances, dates, and other personal information without obtaining my explicit consent. These actions are in clear violation of 15 U.S.C. 1681c, which mandates that consumer reporting agencies must ensure the accuracy and relevance of the information they report. 

Furthermore, XXXX XXXX unauthorized disclosure of my personal information to third parties raises concerns under 15 U.S.C. 1681b, which requires that consumer reporting agencies obtain permissible purposes before disclosing consumer information to any third party. 

Moreover, my rights to privacy are protected under 15 U.S.C. 1681a ( q ), which acknowledges the significance of safeguarding consumer information and ensuring that it is used only for legitimate purposes. The unauthorized dissemination of my personal data by XXXX XXXX violates these privacy rights and undermines the principles of data protection enshrined in the law. 

Additionally, XXXX XXXX reporting of my consumer account as late for reasons not justified by a delay in payment violates the provisions of 15 U.S.C. 1666b. This statute prohibits treating a consumer account as late on an open-end consumer credit plan without reasonable cause. The unauthorized designation of my account as late without valid reasons further compounds the violations committed by XXXX XXXX. 

I kindly request that the following actions be taken : 1. Immediate removal of all inaccurate and unauthorized items from my consumer report, as mandated by 15 U.S.C. 1681i.

2. Cease and desist selling or disclosing any debts, personal information, or other relevant data pertaining to me to any third parties, both in the present and future, in accordance with 15 U.S.C. 1681c.

Furthermore, I am aware of the consumer law provisions regarding willful noncompliance ( 15 U.S.C. 1681n ) a
nd civil liability for willful noncompliance ( 15 U.S.C. 1681o ). Given the egregious nature of the violations committed by XXXX XXXX, I am prepared to pursue legal action to seek damages for the harm inflicted upon me due to their deliberate noncompliance with consumer reporting laws. 

I appreciate your attention to this matter and kindly request a prompt investigation into my complaint. If necessary, I am prepared to provide additional documentation and information to support my case. Let this serve as notice to XXXX XXXX that I am prepared to fully exercise my rights and will pursue damages to the full extent of the law. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an dispute in regards to incorrect accounts showing on my credit report. It has been well over 30 days and I have yet to receive any investigation results.
Product: Mortgage

I acquired new insurance in XXXX. The lender declined to pay the insurance with the Broker for XXXX XXXX. After multiple attempts by my broker to collect the payment for the new insurance, NewRez had stated a check was sent and payment had been made. In XXXX, I received a note from XXXX that my insurance was cancelled. This IMMEDIATELY made my home uninsured. This put my investment at risk BUT it also violated the terms of my mortgage- my lender decided to place their own insurance & have me pay for their mistake. 

I've been calling and dealing with this since XXXX. It is now XXXX, 2024 and I'm still working through getting this insurance corrected. My new balance now also shows an increase of XXXX due to their mistake. I've tried to contact NewRez on multiple occasions and continue to get half-answers and trasferred to other departments. 

My new payment of XXXX XXXX is set to start in XXXX and I have no way of making this increased payment amount due to NewRez 's error!
Product: Mortgage

M and T Bank now deny that I ever had a loan with them. They claimed they have nothing to do with the taking of my house. I was called today by the lawyers at M and T and they claim they have no record of them ever being involved even though I'd been in touch with XXXX XXXX and XXXX XXXX at headquarters for some time now. I was promised a resolution but got none.
Product: Debt collection

Received notification from creditor : XXXX XXXX that I owed more that correct amount. The amount was paid. They sent information to debt collector who is asking for more and declined to correct information and noted " I owe ''. I offered to pay 40 percent and they asked for full. I do n't agree to the current amount.