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

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX .
Product: Mortgage

In XX/XX/2019 I received escrow refund for over payment of escrow in the amount of {$780.00} meaning that I overpaid on my escrow, it is customary that each year I would received an escrow analysis in on or around XX/XX/XXXX when I didnt receive the analysis I contacted Wells Fargo who stated they were working on the document and the document would be ready by the end of XXXX, a document was emailed however it was encrypted with no instructions or password to open again I contacted Wells Fargo and ask for a hard copy at that time I was told theres was no changes in the payment. in XX/XX/XXXX I received the payment and noted an increase in the amount of {$53.00} I spoke with a representative who state although there were no shortage the increase was in anticipation of next year escrow, I asked the rationale for the increase when I received an refund with an overage. I contacted the insurance company as well as local tax office both stated they could not project next year tax bill or insurance bill! So I am not sure the reason I am charge ahead when they dont know what will be coming from the escrow plus they sent a refund
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this CFPB complaint so that I may monitor the Credit Bureaus ' response after the 30-day investigation period. I discovered that the previously challenged Accounts are reporting with wrong and lacking information as I revived my credit file. Send me notification that the disputed items have been updated or removed after conducting another investigation into the following data. I formally request the following accounts be updated or removed from my credit profile because they seem to be somewhat misleading and inaccurate. You have 30 days to complete your investigation in accordance with the Fair Credit Reporting Act 's requirements ( 15 USC section 1681i ) ; if you don't, you'll be in breach of the law and could face a Federal Trade Commission investigation. 

XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019 XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Product: Mortgage

At the end of XXXX, I called freedom mortgage and informed then that I need it a 90 day forbearance because i was in the process of retirement from the federal government. 

Since then I provided all documents that they are requested but every time we speak with a customer service representative seems that each one of them have a different requirement for the request.

At this point they went to danage my credit and added fees stating that they will continue to do so until the protection get approved.

In oder word the going to hold it the most the can to add more fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 reported on my profile for a medical debt that I have or had no idea about. I have disputed and had investigated by XXXX   and XXXX which ended up not finding the valid so it was deleted from my profile, however Equifax has yet to remove/delete. They are still listing the debt which is impacting my profile after it has been found not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Mortgage

I have been working with the XXXX XXXX regarding options to save my home for the last few months. I have provided all the information they requested and am being told there is nothing that can be offered to me. I have never been assigned a point of contact and when calling I am always getting different answers from the representatives there. I am facing a foreclosure sale date and they are treating me as though I have no options and are proceeding with the foreclosure. I feel my rights have been violated and that I am one of the the many other homeowners who are facing this exact predicament. The people who can help me save my home are in fact not trying to help me at all.
Product: Credit reporting or other personal consumer reports

BECU has not updated my account since XX/XX/year> for a personal loan that was paid off more than a month ago. I request 3x via mail with receipts for them to update and I've called multiple times and still have received no updated. I am needing this account updated to apply for a mortgage and have been waiting
Product: Debt collection

most of my medical bills was in my bankruptcy and was discharged its hurting my credit score
Product: Checking or savings account

I opened an account with KeyBank on XX/XX/2017. It came with {$300.00} in bonus for making {$1000.00} in direct deposits and five billpay or debit transactions in the first 60 days. I made {$1000.00} in direct deposits, but now they are claiming that it had to be in a single transaction. That would be very misleading, since that has never been how any bank bonus has worked in my experience. So they are basically telling me if I made a million direct deposits in the first 60 days of {$990.00} I wouldn't get their checking bonus. That is very deceptive wording and very misleading to customers who expect deposit amounts to be cumulative and not transaction based. I contacted KeyBank Corporate and they said I had to contact the branch and when I contacted the branch they said I had to talk to corporate so I got nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number is XXXX XXXX my complaint on XXXX credit reporting agency there's a charge off from XXXX XXXX  it's fraud and supposed to be removed please have XXXX removed that XXXX XXXX  account. And regarding XXXX XXXX there are XXXX charge off accounts that are fraud please have XXXX XXXX removed them I have a fcc report on file and regarding experian there are XXXX negative items that are fraud I have a fcc report
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from My XXXX XXXX that a hard inquiry was made by US Bank on XX/XX/2022. After contacting US Bank, I was advised that they will document the fraudulent activities. The individual tried to make a purchase at XXXX XXXX in Pennsylvania. I was also advised to contact XXXX XXXX, which I completed.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Mortgage

My home of 20+ years is scheduled for foreclosure on XX/XX/2020. 
Although my payments were behind prior to the Covid Pandemic - In XXXX of this year, I had finally resolved a discrepancy between my employers Insurance and myself and a settlement was in the works to include timeloss benefits and approval for my XXXX XXXX  XXXX. I felt certain I could keep my home and stay current on my payments, if a Modification were approved. 
Then Covid 19 shut down everything - My Lawyer, Insurance, medical and there was nothing i could do - My Attorneys office and I have just recently started talking again, but the prediction of resuming a settlement is now for sometime in XXXX. 
My Mortgage company gave me 30days written notice of foreclosure ( XX/XX/2020 ). I have tried contacting them nearly everyday but they are unreachable. 
- we set up 2 telephone conferences The first they claim they had my wrong phone number despite the many emails ive written correcting them, to include the email confirming our phone apt., and ive had this number for over a year. 
The 2nd phone apt., I waited by the phone for an hour - they never called! Finally I sent them an email asking why and never got a response. 
- The many emails i have sent, requesting a meeting so that i could explain how Covid has halted my progress along with some ideas and questions as to how i may save my home go unanswered. ( i.e. adding a family member to the note and/or modification or forebearance ). 
WHY cant I at least get some answers. 
I am trying very hard to save my home and feel as tho i am being ignored intentionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  account is reporting incorrectly. This is an ongoing and continuous violation of the Fair Credit Reporting Act. This situation is causing me undue stress and is a defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a couple old accounts on my credit report from CapitalOne. I recently noticed that one of the accounts was still showing a balance owed, and the account was being reported as derogatory. I contacted CapitalOne and filed a dispute for the information being incorrect because that account had been settled. After they investigated it they did find that the account was settled and was being reported incorrectly. I just looked at my credit report again today and now there are two other CapitalOne accounts showing on my report as derogatory even though they have been settled as well. This should be illegal to falsely report incorrect information on someone's credit report.
Product: Student loan

I have been paying on my student loan for 21 years and I owe more money now than what I originally borrowed. I borrowed approx XXXX  now I owe XXXX. Though this account has been paid off through XXXX XXXX  XXXX  I would like my account looked at for accuracy because it doesnt make sense. Before I consolidated with XXXX XXXX  I called Nelnet and was told I had another 180 payments.
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. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

I had Contacted XXXX not once more like 5 x on not one but 2 leased Vehicles, Prior to this I was a loyal XXXX Consumer for over 18 years our Daughters first Car was threw XXXX @ XXXX shes now XXXX I leased my car with a cosigner. My uncle, XXXX XXXX, and XXXX XXXX lost my whole deal.and I paid dearly buy putting that Vechile with a Balance of {$9100.00} which was incorrect as it was traded for another XXXX that I ended up paying a lot more in interest cause XXXX XXXX were on my report they stated when I called this was according to Credit Reporting XX/XX/XXXX # XXXX which only cause they were Penalized this car was taken off my Credit Report but the damage was already done. 
On the second car still on my Credit Report same thing but they tried saying the Car had a scratch on it and this time they claimed I owed {$12000.00} and claim wear and tear I traded this car as well and I had it for 3 years with XXXX miles to XXXX here in Florida I spent a lot of money because I put me on the credit agencies, not once one cop of the two cars that was unfair, because Ive always been faithful to XXXX XXXX took possession of the vehicle it was mint Upon having a discussion with XXXX the woman from Texas told me that the car again had wearing tear, as well I had to pay that {$800.00} Fee Which I was no longer responsible for the vehicle, because XXXX took the full possession of it, and I financed a car through XXXX that was through the roof, because of what XXXX did to my credit report Its not just about Wrongfully putting me in the credit Bureau. It was a trickle down effect in this particular vehicle was making up and still listed in the credit Bureau as of my last pill of my credit report is XX/XX/XXXX I feel, XXXX owes me Compensation for what they wrongfully have done when I was not in Error, XXXX was and they got fined but I Paid dearly for Their Ignorance and I am considering pursuing this Matter to an Attorney against XXXX for Not just hurting my Credit but for the Numerous times I have called and was told they would work out a payoff plan it goes much deeper, like my XXXX and non Compassion they had to a very Loyal Consumer as I stated XXXX affected Me and my Credit Score as I said the last vehicle is still on my credit report which means everything that I apply for I either get denied, or I pay higher rates, which is not fair if they had just done the Correct, Honest Way in handling all of this but their Greed Cost me a Woman who is on XXXX and on a Fixed income SSXXXXXXXX Any chance of getting a loan to allow me to move forward with my life So their being penalized got them out of their Jam, But has done Nothing to help Consumers who got hit in many different ways This is why I am Seeking an Attorney as I feel I should be Compensated for their Errors. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on XX/XX/19 that we were 30 days late for our payment. In our bank statement it shows we paid XXXX XXXX  for that payment of {$300.00} on XX/XX/XXXX. I have called kay and they refused to help me get this removed from my credit report.
Product: Checking or savings account

money never received after debit went through at Chase Bank in XXXX XXXX Ca on XX/XX/2019. Told manager XXXX XXXX and she gave me her card and told me to call my bank and made no attempt to rectify this situation and I am out {$300.00} dollars and service fee of XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter XX/XX/22 also XX/XX/22 asking XXXX, TransUnion, and XXXX to investigate my accounts. Its been over 30 days. These consumer reporting agencies are in violation. 


According to USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And, They didnt even record the current status of disputed information which is another violation. 

I have all evidence attach below
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have communicated with Midland Credit on multiple occasions to stop calling me.. They repeatedly continue to call multiple times in a row.
Product: Credit reporting or other personal consumer reports

Immediate 1099 report and removal of closed reports from my account
Product: Vehicle loan or lease

On last year my son took sick which he was playing half of the bills with me so once he took sick and i had to take over i got behind and one thing after another he passed and i literally lost my mind, and during that time i i didnt know where i were, they came and pick up my car, so now that Im putting my piece together i need a car to start back working, and its hard because of the repo, i didnt hear both from the company until i seen on my credit how much they sold it for, i ask was it anything they can do i was told it was sold and they sorry for my lost, so now Im stuck with no car and repo on my credit that happen during a bad time in my life the death of my son
Product: Consumer Loan

This matter has been going on for over two years. XXXX sent various mailers to my home soliciting my business. I refinanced my Truck XXXX XXXX, XXXX through XXXX XXXX XXXX XXXX, in which I purchased GAP insurance and have provided a email confirmation from the original auto loan facility. I later found out that XXXX XXXX XXXX XXXX were n't licensed in my state to originate a loan. In which that is a state requirement. What I purchased and was quoted was n't what I received. XXXX XXXX XXXX XXXX altered The XXXX 's Gap insurance form for their own financial gains. XXXX does n't offer Optional Deficiency Waiver Addendum. Attached is XXXX 's official form vs what XXXX sent to me XXXX 's form was altered. Now a Debt buyer is trying to sue me for the deficiency balance. I surrendered my truck XXXX XXXX, XXXX in which my car was sold through auction on XXXX XXXX, XXXX within the 60 day window in which it is outlined on XXXX 's Website that the deficiency balance will be covered. The GAP insurance company paid on XXXX/XXXX/XXXX XXXX along with XXXX towards my deficiency balance. My truck was also sold for XXXX. Crown Asset Management is attempting to sue me for a deficiency balance in which that is a matter that they should be addressing with XXXX Coverage. My Credit has already been penalized regarding this car and the car is sold. I did not originate this loan through Crown Asset Management and have made attempts to get this matter resolved with Crown Asset Management and still to no luck. To add insult to injury the product that I was quoted is n't what I received. I have filed a formal complaint with the state of Wisconsin 's Consumer protection, I have previously filed a complaint with CFPB. When I refinanced my truck, my goal was to lower my interest rate and protect myself from any unforeseen incidents. ( the reason for my GAP insurance ) This transaction was a clear violation of state regulations along with Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : Account Name : USAA SVG BK Account Number : XXXX Reason : Incorrect late payment Account Name : USAA SVG BK Account Number : XXXX Reason : Incorrect late payment I keep immaculate records of payment history a crossed all my bills and accounts, and there should be no late payments showing here. 
Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 
I take this very seriously and I would appreciate it if you remove the late payment marks off this
Product: Money transfer, virtual currency, or money service

I made a transfer from Bank to Bank for XXXX and I never received the money, then I saw that they had hacked my account and they changed my information and the Chase bank did not respond to me ; They just tell me to talk to XXXX and I contact them and they send me to Chase again and I can't get out of there.
Product: Debt collection

I got a letter in the mail from XXXX XXXX XXXX  regarding a debt that they say i owe LVNV but i do not recongize this company and they are reporting on my credit report without providing me the original purchase agreement. or any type of contract bearing my signature that i owe this money. They are in violation of the fair debt collection act by reporting this unverified account on my credit report. I ask that i am provided the purchase agreement by this company i refuse to pay a debt to someone i do not owe. XXXX and XXXX and XXXX  are also reporting this on my credit report also.