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

I have filed complaints with equifax and XXXX  about my credit report from XXXX XXXX. Equifax is reporting-as XXXX XXXX the original balance is {$11000.00} and XXXX XXXX statement the original balance is {$19000.00}. Equifax is reporting the balance owed as XXXX XXXX {$7500.00}. Equifax is reporting my date of last payment of XXXX XXXX of only a {$170.00} in XX/XX/XXXX I made XXXX payments XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} for a total of {$340.00}. Past due amount from Equifax is {$1200.00} credit acceptance charged me $ XXXX.Equifax is reporting that my first late payment was XXXX XXXX but credit acceptance reported that it was paid on time.XXXX is reporting the loan amount {$11000.00} credit acceptance initial balance is {$19000.00} Experian is reporting on XXXX XXXX the balance owed is {$7000.00} I dont know what the balance is I even get different amounts from XXXX XXXX.XXXX is reporting the past due amount as {$1500.00} dollars I just paid the past due amount to credit acceptance {$1400.00}. Equifax is stating I have over 19 late payments XXXX states I have 36 late payments. The late payments are based on the past due amount which was supposed to be backed up to the end of the loan payment. If I pay my payments online to credit acceptance on the XXXX of the month then credit acceptance will generate a date and conformation with the XXXX of the month.I reported the inaccurate information to XXXX XXXX and they immediately deleted XXXX XXXX from my credit report.I believe credit acceptance reports out the initial loan at {$11000.00} instead of the actual amount of {$19000.00} because on XXXX XXXX the Massachusetts Attorney General office filed a lawsuit against XXXX XXXX that they made subprime auto loans to Massachusetts consumers which I would have although I dont live in that state.I also sent original loan contract to credit agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

Hi, I would like to let you know that BofA is NOT handling my second draw of XXXX submission in a timely, professional and COMPETENT way. Not only the wait to get to talk with a reviewer are off the charts, but the INCOMPETENCE OF THE PEOPLE handling it is bigger than the beautiful moon we see every night! I submitted the application on XX/XX/2021, and as of today I have received and made countless phone calls that until today got me NOWHERE!! 
It seems nobody gives the right amount of care to this issue! thank you for reading my complaint.. 
XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I am writing this complaint to dispute inaccuracies on my credit report related to account XXXX XXXX XXXX XXXX XXXX XXXXXXXXRemove this account for inaccuracy & false reporting because the payment history reflects. XXXX through XXXX ( 120 days ) late on XXXX. ok payments XXXX through XXXX for XXXX & Ok payments for Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for inaccuracy because the payment history reflects continue reporting after this account closed on XXXX. Delete this account because the notice of dispute as required within 30 days time-frame from the date of my XXXX dispute was received, pursuant to section 623 of the FCRA. Delete this account for inaccuracy because the date last paid on XXXXXXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete for inaccuracy because the payment history reflects last payment XXXX on XXXX. XXXX reports it charged off 60 days late. Transunion reflects nothing. 
XXXX XXXX XXXX XXXX Delete this account for inaccuracy reporting. XXXX is reporting it as a collection past due as of XXXX. XXXX has it reporting as {$0.00} payment history. Transunion has no payment history reporting. 

I want to bring to your attention that any addresses, phone numbers, email addresses, variations in my name, spelling, initials, and suffixes that differ from the information I am providing are incorrect and should be removed immediately. I do not recognize these discrepancies as accurate. My correct personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Email : XXXX I am aware of the Fair Credit Reporting Act ( FCRA ), particularly Sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( C ), which prohibit furnishers from reporting data they know or believe to be inaccurate to a Credit Reporting Agency ( CRA ). As per the FCRA, if a consumer notifies a furnisher of incorrect information, the furnisher is obligated to cease reporting this misinformation. 

Non-compliance with the FCRA can lead to legal action from the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), state governments, or directly from consumers. The FCRA specifies maximum penalties of {$4700.00} per violation for lawsuits initiated by the FTC. 

The incorrect listings on my credit report have a negative impact on my credit. I am concerned that I may be mistaken for someone else with a similar name in my city or state. It is important to note that these inaccuracies are not reported by other credit bureaus.

I prefer to be contacted only via mail or email for any correspondence regarding this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Ocwen is engaging in dual tracking and not in compliance with Loss Mitigation Procedures. Federal Law Restricts Dual Tracking I'm attaching Ocwen 's denial letter dated XX/XX/XXXX. I have appealed the denial within the required 30-day time frame. Therefore, I have not exhausted the appeal process. 

I also fully submitted documents again for mortgage assistance. Ocwen has not stopped the foreclosure sale scheduled for XX/XX/XXXX. 

The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking. 

The servicer can't start the foreclosure process if a borrower submits a complete loss mitigation application and the application is pending. 

This means that if you submit all of the required paperwork, the foreclosure can't start until : the servicer informs you that you're not eligible for any loss mitigation option ( and any appeal you make has been exhausted ) you reject the workout option that the servicer offers to you, or you accept a workout but fail to comply with the terms of the deal ( like not making payments during a trial modification ).

12 C.F.R. 1024.41 governs a servicer 's response to a loss mitigation application. 12 C.F.R.1024.41 ( c ) ( 3 ) ( I ) ( D ) ( 2 ) provides that where a borrower makes application and a judicial foreclosure has already been commenced, " the servicer can not conduct a foreclosure sale before evaluating the borrower 's complete application. '' Further, 12 C.F.R.1024.41 ( g ) prohibits a servicer from either holding a foreclosure sale or moving for a sale if a borrower makes a loan mitigation application within certain time constraints.
Product: Debt collection

received letter from Midland Credit Management which states that an account was open on XX/XX/XXXX and it was charged off on XX/XX/XXXX with a balance of XXXX this company has placed this information against my credit and I did not open this account. 

I have completed a police report as well. Please remove this from my credit report as soon as possible. I'm currently in the middle of closing on a home and this infraction is counting against me and it's not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some negatives items in my credit report and dont belong to me XXXX BANK XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally dispute multiple unauthorized and fraudulent Zelle transactions that have occurred on my bank account over the years. Despite my repeated efforts to report these issues to my bank, I have consistently been denied reimbursement, with the justification that Zelle transactions are final. However, I believe this stance is unfair, as these transactions were either unauthorized or resulted from fraudulent activity that I reported in a timely manner. 

There have been several instances where Zelle transactions were processed from my account without my knowledge or consent. In other cases, I was misled into sending money under false pretenses, with the recipient failing to deliver the agreed-upon goods or services. Each time I discovered an issue, I promptly contacted my bank to dispute the charges and request reimbursement, only to be informed that because Zelle is a peer-to-peer payment service, the transactions could not be reversed or refunded. This has resulted in significant financial loss and ongoing frustration, as my financial institution has refused to provide assistance despite my repeated reports of unauthorized access and fraud. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and hold my financial institution accountable for its failure to protect consumers from fraudulent and unauthorized transactions. Additionally, I would like guidance on what further steps I can take to recover my lost funds and prevent future incidents from occurring. I appreciate your time and attention to this issue and look forward to your response. Please let me know if any additional information is needed.
Product: Credit reporting or other personal consumer reports

I made a dispute and they did not remove all inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Employers : XXXX XXXX  Employers : XXXX XXXX XXXX Employers : XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXXXX/XX/XXXX {$2300.00} Late Payment : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Equifax and XXXX  credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX  XXXX, XX/XX/XXXX and XXXX, XXXX/XXXX, XX/XX/XXXX.
Product: Debt collection

The deck collection agency resurgent is asking me to verify my identity theft report and to give them proof of my identity theft report. So they can further investigate this dispute.
Product: Credit reporting or other personal consumer reports

15 USC 1681b : ( a ) In general : Consumer reporting agencies may furnish consumer reports under the following circumstances : In response to a court order or federal grand jury subpoena. 
In accordance with the written instructions of the consumer to whom it relates. 
To a person that the agency has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. 
To a person that the agency has reason to believe intends to use the information for employment purposes. 
In connection with the underwriting of insurance involving the consumer. 
In connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. 
For a legitimate business need in connection with a business transaction that is initiated by the consumer. 
To review an account to determine whether the consumer continues to meet the terms of the account. 
To determine a consumer 's eligibility for a pre-screened offer of credit. 
Practical Implications : Permissible Purposes : Consumer reports can be obtained and used only for specific and permissible purposes as outlined in the statute.

Written Consent : Consumer reporting agencies can provide a consumer report if they have the written instructions or consent of the consumer. 

Credit Transactions : Information may be furnished to persons involved in credit transactions, including the extension of credit, review, or collection of an account. 

Employment Purposes : Consumer reports may be used for employment purposes, such as in the hiring process, with the consent of the consumer. 

Insurance Underwriting : Information may be used in connection with the underwriting of insurance involving the consumer. 

Governmental Benefits : Consumer reports may be used to determine eligibility for licenses or other benefits granted by a governmental instrumentality.

Legitimate Business Need : Reports can be obtained for a legitimate business need in connection with a business transaction initiated by the consumer. 

Account Review : Consumer reports may be used to review an account to determine if the consumer continues to meet the terms of the account. 

Pre-Screened Offers : Reports can be accessed to determine a consumer 's eligibility for pre-screened offers of credit. 

It's important for businesses and entities that request consumer reports to ensure they have a permissible purpose under the FCRA and comply with the law 's requirements. Consumers also have rights under the FCRA, including the right to know who has accessed their credit report and for what purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I responded on XXXX/XXXX/XXXX @ around XXXX XXXX ET to # XXXX to a message left on my cell phone and my mothers ' answering machine. When I called the young man threatened to have my drivers license suspended unless I settled out of court for a credit card debt I think was settled in XXXX. He also said I would have to drive out to XXXX, VA ( XXXX hours away ) to deal, and had a 6 year old address.I had been in a head on collision in XXXX and had settled all of my debts afterwards to the best of my knowledge. I also wonder if this may have been a scam attempt due to the clear violations/threats issued by the representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act FORD MOTOR CREDIT COMP Account # 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
Product: Checking or savings account

On XX/XX/2023 - XX/XX/2023 over {$5300.00} was charged to my Santander checking account From XXXX, I called Santander immediately to report my card stolen/ compromised. Unfortunately during the time my card was charged I noticed my sim card in my phone wasnt working working but I didnt think it was a big deal, just to find out during that time someone stole my information got hold of my sim information and used that to authorized the transaction from Santander I also had a XXXX  account of my own but that account wasnt used to use XXXX  I contacted XXXX gave them the information and they advised that the XXXX  account that was used to charge my Santander debit card was flagged for fraud prior to me contacting them, they advised me to work with my bank to file a dispute The XXXX account was not under my name Unfortunately Santander denied my claim on multiple occasions and its been over a year now and I still havent been able to retrieve my money, the lost of that {$5000.00} changed my live drastically and Im yet to recover from it, it was my savings to go to XXXX XXXXl now its gone. 

I gave up a few months ago because I thought there was nothing else that could be done until I found this website.
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 XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrect payment history for my XXXX  account Account # XXXX. They are reporting late payments, they must be corrected to reflect a 100 % on time payment. I have attached documentation of how it is actually reporting to other bureaus. With perfect payment history. Transunion must correct the incorrect payment history because I have provided proof that the history of payment on the account is perfect.
Product: Checking or savings account

I made a Bank of America ATM deposit of a XXXX XXXX check in the amount of {$1500.00} on XX/XX/XXXX. XXXX XXXX cleard/paid the check in the full amount on XX/XX/XXXX. Bank of America refuses to release the hold or make any effort to help me expedite or resolve this issue. Furthermore, they will not make funds available until XX/XX/XXXX. I have accured NSF fees because of this poor decision.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$3800.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

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

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.