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

I am constantly at odds with my mortgage company about accurately and timely reporting to the credit agencies. My mortgage company is adversely effecting my credit score by not reporting in a time manner. They consistently wait up to 90 days or more to report. I am currently missing entries for the month of XX/XX/XXXX ( no data ), XX/XX/XXXX ( no data ), XX/XX/XXXX ( Incorrect data ), XX/XX/XXXX, and XX/XX/XXXX are missing. I have filed so many disputes with the credit entities about this situation they have stop accepting my disputes.
Product: Credit reporting or other personal consumer reports

I have asked you to validate the alleged debt that you claim that I owe, and you have not provided me MASTER BILL OF SALE. In addition to that any statements and signatures to an alleged account that you blatantly mis-represent the material facts that this alleged account is mine. You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt.
Product: Payday loan, title loan, personal loan, or advance loan

This company MQW calls my place of work at least ten times per day requesting to verify my personal info. I did not apply for a line of credit with this company. They will not leave me alone.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my Experian credit report.
Product: Mortgage

Ocwen has not responded to us regarding a payment that they incorrectly input into their system. They have not confirmed that they corrected the XXXX payment and made the adjustment to {$2400.00}. I got an email saying that you and ocwen had closed my complaint because it was a duplicate. BUT it is not a duplicate complaint. They incorrectly processed my payment and have not fixed it. Also, they said that they would send me an email with confirmation that they incorrectly made a mistake so I can provide it to our bank but they did not do that either.
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 XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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

I am a victim of transunions injury issue.   I have :  XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  These hard inquiries were already off my credit and now they are back on. Please fix this issue, thanks.
Product: Student loan

I have called many many times to find out what I needed to do about the loan I cosigned for my daughter. I am XXXX, I live on XXXX  and do not work. I will never work for the rest of my short life. I receive 100 % SSXXXX. I do not drive and Im on so much medication someone had to help type this. I have called there office 8 to 10 times each time they tell me they will mail me out my paperwork, but I never get an mail. All they do is transfer me to another dept and I was told a form will be sent to me I never got anything from Ed financial this is causing many issues with my credit. I have also written to them a few times with no response.
Product: Credit reporting or other personal consumer reports

I have disputed the same accounts over inaccurate and incomplete information. I demand that this agency complies with section XXXX ( XXXX ) ( A ) and DELETE the items listed in the attached dispute letter.
Product: Debt collection

They are saying we owe this money back from XXXX. It just appeared on my credit last year. 
I challenged it inXX/XX/XXXX with a letter requesting verification. They sent me an AR report. I replied to them that this is not evidence. I requested an actual bill for those months with the meter reading to prove for those months. 
We moved out in XX/XX/XXXX. We made payments for the last bill. 
We knew nothing of this. 
Now 3 years later they are saying we owe {$570.00}. Our electric bill has never been {$570.00}. 
We paid the final bill after we moved We paid 2 payments and then it looks like they just takes on {$570.00} out of nowhere. 
We moved out in XX/XX/XXXX and they tack this on in XX/XX/XXXX. 
I did not find out about this until last year. 3 years later. I disputed it requested to have it removed, they have not done it. 
We are moving and trying to get a mortgage for a house and this pops up again on my credit report. 
They have not been helpful They refuse to provide proof, saying the AR report is sufficient. 
I requested an actually bill that proved the meter usage. They said they do not have to provide that and this was sufficient. 
I told them that anyone can write this, it is not proof. We did not live there XXXX -XX/XX/XXXX 
And Accounts receivable report is no evidence. 
I requested a bill for those dates proving meter usage. 
They would not even negotiate or try and settle. 
And they would not remove it or even if i paid it they would not verify giving me a letter to remove it from my credit score. 
How can they not provide the bill proving the meter usage for those months. 
Which by the way, we did n't even live there Between XXXX and XXXX. 
We made the last payments from when we lived there. How can they tack on {$570.00} on it. 
It has never been that. Also common sense would say that if I was not paying my bill they would turn my power off, right??? And Again, we never received a bill for that.l once we moved out. This came out of nowhere last year. And we have been fighting them. They have been horrible, not willing to do anything. 
I do not owe this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to my 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: Vehicle loan or lease

I was sold GAP coverage at the time of purchase through XXXX and Bridgecrest ( their lender ). 

During the time I had Bridgecrest my app would not work and my balances would not reflect what was in there internal system. One time it said I had paid everything and then suddenly it pops up as late. I immediately pay the difference when it came through on the app and notified them. They told me " it does that sometimes. '' I expressed concern about my credit as I ALWAYS pay early and the full amount. 

As of XXXX, all my car payments were made and everything was caught up. That day I was in a wreck that totaled the car. Immediately notified the lender and insurance companies ( to include the GAP ). After MONTHS of Bridgecrest not sending information to the insurance company, I have several remarks claiming I had been late. I have NEVER been late. Now my credit is dropped over XXXX points because it reflects that I had late payments. Bridgecrest has been paid in full by my primary insurance and then the GAP coverage that THEY SOLD ME! In addition, there is some magical new balance that did not exist and they are forcing me to pay it. They are completely out of control and need regulated. I have been told this was resolved. I was told it wouldn't hurt my credit. I was told it would be covered. This is unacceptable. I have a XXXX and XXXX XXXX has been paid to call them at least 10 times and they refuse to email confirmations or give us anything we can use for accountability. I request that you pull the recordings and correct this immediately. I am a single mom and XXXX XXXX owner. I need my credit to be accurate and the businesses to be fair and honest.
Product: Credit reporting 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I am submitting a complaint to Navy Federal Credit Union about overdraft fees. I have asked NFCU to stop ACH withdrawals on my checking account, multiple times. Initially, the ACH will be canceled for a limited amount of time and then the ACH will initiate again. To request the ACH be stopped is a fee. this is a problem when I have to keep calling customer service to ask them to help me keep my money safe. 

I am also submitting a complaint with Navy Federal Credit Union about the charge off my credit card. I called NFCU to multiple times asking a customer service rep to set up an automatic transfer from my checking or savings account to pay my credit card bill each month. Phone records will prove such a request. Unfortunately, this request is not permanent. I can request and a monthly transfer from my accounts, then the transfers will stop, which would cause the credit card payment to be late and incur fees. 

I also did not authorize NCFU to release my information to the credit bureau. This is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Onn  XX/XX/XXXX and then again on XX/XX/XXXX I mailed letters to all three credit bureaus. Today is XX/XX/XXXX and I have yet to hear anything from the bureaus pertaining to my disputes. I believe they are conspiring together to purposely deny me my lawful rights to a true and accurate credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the XXXX  you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions. I want these accounts to be removed as they were removed before and now are re-appearing on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just became aware that this debt with XXXX XXXX is still showing as a " collection '' item in my Experian report. I am trying to purchase a house and this reporting on my credit report is drastically affecting my rate. I never received a notice that the account with this creditor was in default nor that I had a missing payment. I never admitted that this collection account was mine, nor am I admitting that here, but I did however pay this collection account in full in XX/XX/2019. The creditor/and collection company agreed to remove the collection account off of all my credit reports ( Experian, XXXX, and XXXX  ) if I paid them the full amount they were asking. I did pay them the full amount they were asking, but they never followed through on their end to remove the account from  being marked as a collection account.
Product: Credit card or prepaid card

On XX/XX/2019 I tried using my card on my trip to XXXX. The account was suspended and when I called Fraud protection, who stated that there were suspicious charges and that the account is suspended and needs to be reviewed. They did not give me any answers as to why it was suspended and informed me there was no one else I could talk to. I could not confirm the charges with them and was given no other options. Ive been stuck in a foreign country with no access to my only means of money and the company wont help.
Product: Debt collection

My problem is the opposite. I am trying to get ahold of this debt collector, but I can not find a number for them. I searched for the office and it said that it was permanently closed. Only my credit report it says that I owe them {$800.00}. It is effecting my credit score so I dont know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX ( CLOSED ), 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I am interested in disputing all inaccuracies in my credit report with Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a new report of a delinquent account on my credit report. I have never been late or delinquent. I contacted the creditor and verified that they made no such report, and I should contact the credit reporting companies. I contacted Equifax through their website to file a dispute and start an investigation. After putting in all the information, the website said it was temporarily unavailable and to call a number. I attach the message. I called the number and told me to it use the website - and endless bureaucratic loop. I did this three times over three separate days, each time with the same result. Same 20 mins wasted putting info in, same temporarily unavailable message at the finish, same use the website message. There appears to be no way to dispute a matter on my credit report and now way to speak with a person or file a report online with Equifax. This is my information, not theirs. They ought to at least follow the law and allow people to dispute.
Product: Vehicle loan or lease

I have a loan with PENTAGON FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and PENTAGON FCU with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2018.
Product: Credit reporting or other personal consumer reports

Contacted XXXX XXXX over a period of XXXX weeks due to all credit bureaus reporting mortgage as late. Was denied a loan and all credit card accounts closed due to this. XXXXXXXX XXXX stated they would start an investigation because they are showing in their end they have not reported any lates. Was told investigation would be completed XX/XX/2023. Contacted XXXX on XX/XX/2023 and was told it could take up to 30 days. Requested to speak with leadership as agent was communicating back and forth for advisement with leadership. Was then hung up on and no return call made back to me. I have requested they contact all credit bureaus directly and fix this, but they are refusing to do so and continue to state they arent showing theyve reported any lates. Lates show on all credit reporting bureaus since XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I submitted this complaint again to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 XXXX XXXX XXXX I want this removed for reporting incorrect information and not providing any information prove who and why this is on my credit report. 
XXXX XXXX XXXX  XXXX XXXX I want this removed for reporting incorrect information and not providing any information prove who and why this is on my credit report.
Product: Credit card or prepaid card

I ordered XXXX XXXX XXXX XXXX XXXX from XXXX  and they sent out the package with XXXX. My shipping address is XXXX XXXX XXXX XXXX, XXXX, Washington. The tracking number is XXXX. On XX/XX/XXXX, the package is marked as delivered to XXXX, Washington. I contacted XXXX and they said they will start an investigation with UPS. On XX/XX/XXXX, XXXX said that they contacted the shipping carrier. XXXX said the shipping carrier said the package is delivered to my XXXX address successfully. However, UPS told me and also my renter 's insurance company that they located the package on XXXX where it was then held at a holding facility for 5 days and sent back to the merchant, XXXX. XXXX lied about the ups investigation result and refuse to refund. 

I uploaded all the information including UPS 's response, the investigation from my insurance company, etc to credit card company and they still insist in the favor of the merchant.
Product: Credit reporting 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 Account XXXX Account Name : XXXX  XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Bankruptcy Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX & XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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.