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

I am having issues with the credit bureaus, XXXX, Transunion, and XXXX. I have been submitting disputes for the past 6 months, and I have not received not even ONE letter from the bureaus. Per my investigation, the bureaus under the law have 30 days to provide results and I have yet to receive ANYTHING! 
I am requesting that the bureaus provide results to me in a timely matter and remove these erroneous items off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year, between XXXXXXXX XXXX due to extreme financial hardship, medical problems, I became a series behind on several of my bills. While I normally make a great effort to honor my bills on time and fulfill my responsibilities at this time of the late payment, I was simply financially able to make the payment on time but I made the payment. 

I have since gotten back on my feet and bought my account up-to-date with your company. 

I am now trying to buy a home, however, I am having difficulties receiving affordable ways due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing the late payment from my Credit for As a gesture of goodwill. This kind removal will sincerely be appreciated and an invaluable gift to my family and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

I havent been charged Or convicted with any felonies or misdemeanors they have wrong information on search IDs XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 


Also on XXXX I wasnt convicted of this so I shouldnt have this on my record while this one says pending This been preventing me from getting a new job
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVE BEEN FIGHTING TO CLEAR MY NAME AND THE CREDIT BUREAUS ARE NOT HELPING ME MUCH.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor did not notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late because this is clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2017 I filed an police report with an company that committed fraud. I was supposed to do a vehicle refinance. The dealer cashed the check and was suppose to pay off Navy Federal and XXXX XXXX. Dealership never paid XXXX XXXX or Navy Federal left me with XXXX loans. I filed police report and customer compliant at XXXX  XXXX. I'm still awaiting court date but XXXX XXXX closed out account on credit report. Navy Federal is still reporting account is open and high balance. I been trying to dispute with credit bureaus and had no luck at all and this is messing up my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX Dear CFPB, I am writing to formally lodge a complaint against Equifax for failing to report my credit history accurately, which has resulted in a significant reduction in my credit capacity. This situation has serious implications for my financial standing. 

I have maintained a consistent credit history for several years, with accounts reported to all three major credit bureaus : Equifax, XXXX, and XXXX. However, I have recently discovered that Equifax has stopped reporting my first credit card. In contrast, both XXXX and XXXX continue to report this account accurately, reflecting my credit usage and payment history. 

This failure to report is not only misleading but also constitutes a violation of the Fair Credit Reporting Act, as it creates inaccuracy in my credit report. As a result, my credit capacity has been unjustly reduced, which adversely affects my ability to secure loans and credit. 

I sent a detailed letter to Equifax on XX/XX/XXXX, outlining this issue and requesting a correction. Unfortunately, I have not received any response or acknowledgment in the 31 days since that correspondence. 

I am requesting your assistance in resolving this matter with Equifax to ensure that my credit report accurately reflects my credit history in accordance with the law. 

Thank you for your attention to this serious issue. I appreciate your prompt response and support in addressing this matter. 

XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Starts on XX/XX/XXXX Credit XXXX Satus Pay as Agree Last time Equifax reported was on XX/XX/XXXX Report number XXXX My present Credit Report Identity IQ Reference # XXXX Three Credit Bureaus Date XX/XX/XXXX Only equifax needs to keep reporting my age of credit. 



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

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

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the credit bureau, as they have failed to upgrade my credit score despite the fact that my bank has confirmed that a mistake was made and assured me that my score would be upgraded within three days. Despite this, my credit score has not been upgraded and I have proof from the bank to back up my claim. 

This issue is causing me a significant financial loss as I am unable to close on certain deals due to my low credit score. I am requesting your assistance in resolving this issue as soon as possible. 

Thank you for your time and consideration. 

see attached the email that i received from the bank Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again and again, this account is still here. Are you really not seeing this? This is incomplete account and I did not have any transaction with this company.Please remove this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CLOSE MY COMPLAINT BY SAYING IT WAS A CREDIT REPAIR COMPANY THAT FILE MY COMPLAINT THEY KEEP BREAKING THE LAW THESE ACCOUNTS ARE NOT MY ACCOUNTS AND NEED TO BE REMOVE ASAP BECAUSE MY CREDIT IS A BIG PART OF MY LIFE
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$780.00} XXXX disputed multiple times last year and the collections stayed on my account
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Section 602 ( a ), Congress mandates that consumer reporting agencies ( such as XXXX and Experian ) fulfill their roles with " fairness, impartiality, and respect for the consumer 's right to privacy. '' As a consumer, I have a legal right to ensure my private information remains confidential. In support of this, 15 U.S.C. 6801 specifies that every financial institution is obligated to uphold the security and confidentiality of its clients ' nonpublic personal information.

Per 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies may only disclose a consumer report with the written consent of the consumer. Neither XXXX, Experian, nor any data furnishers have my explicit consent to share my information, whether the consent is written, implied, verbal, or otherwise ; therefore, any previously assumed consent is now formally revoked. Moreover, 15 U.S.C. 6802 ( b ) ( c ) asserts that no financial institution may disclose nonpublic personal information to third parties without providing the consumer a clear option to opt-outa right which I have not been informed of, nor have I been given the opportunity to exercise this option.

Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), it is prohibited for any consumer reporting agency to report adverse information older than seven years, except for criminal convictions. Reporting any adverse information that does not meet these criteria, particularly without my authorization, is a violation of federal law. Additionally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) holds that a person must not furnish information to a consumer reporting agency if they know, or should reasonably know, the information is inaccurate.

Under these protections and regulations, including 12 CFR 1016.7, I am formally exercising my right to opt-out of all reporting services and any further disclosure of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consistent on time payments with Capital One Auto Finance. This account was opened XXXX closed in XXXX as PAID as agreed. Now they have updated my credit report with this SAME account that was closed and attached late payments to it. I disputed it with the credit agencies and the error remains on my credit report
Product: Vehicle loan or lease

I bought the car in XXXX. I had to get it because my car broke down the XXXX I was at the dealership. Santander consumer was the only place that would help me finance. I needed a car to leave so I had to. They also charged me XXXX $ a month which is extremely unreasonable for a single mother of XXXX XXXX I have tried to work with them on the issues im facing, and they just won't budge. I became homeless and lost my job in XXXX. I live in my car. If they finalize repossession and take my car I will have nothing for me and my kids. I know they do a loan forgiveness program, but they just won't budge. This had made me XXXX XXXX and aXXXX. I live daily knowing they could take my car. And I just feel like I'm not worth it as a person. I see how Santander consumer helps the community and offers a loan forgiveness program. But they just don't want to help me and my kids and I desperately need the help. I live in maine and the state just isn't helping me either. I am homeless and XXXX, and I'm a XXXX XXXX XXXX XXXX XXXX. I honestly feel like I deserve at least one break in my life. Especially from a company that doesn't want to work with me on my loan knowing I lost my job due to my XXXX and i dont work at all so no income coming in.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Re ; Credit pull On or about XX/XX/2021 & XX/XX/2021 I made a credit inquiry into a dealership concerning a purchase of a vehicle in XXXX, PA [ the name of the auto dealer is ] XXXX XXXX XXXX. I authorized the car dealer to make a credit pull but also informed them I was already pre-approved by XXXX financial for the deal to finance the vehicle. The account while I was there ran my credit at lease 5-9 times within a span of 3-4 hours I received that day on XX/XX/2021 XXXX alerts of hard credit pulls on my credit report. I informed the company and a sales man that I used to purchase the vehicle XXXX and asked politely to remove write in consignment and alluding to the conversation I had with a representative from XXXX. Send in a letter on my behalf stating these inquiries to be deleted and also I did my part. While at the dealer we concluded and ended by using XXXX financial to finance the vehicle and I really found those credit checks to be unnecessary since I had informed the dealer of my credit score and knowing that XXXX would be the only company to approve me. I would request that these hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX To be removed of my credit report due to the unnecessary expense and irreconcilable damage its done. 


XXXX. 
( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, several accounts and inquiries listed below were opened or made without my authorization. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the accounts and inquiries listed be blocked and deleted from my credit report. 
Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Pioneer Credit Services obtained a debt in XXXX and sent notice to an address last reported by my credit report in XX/XX/XXXX. When I received the first notice from them postmarkedXXXX/XXXX to my current address ( as reported on my credit report starting XXXX ) it was a notice for XXXX and an opportunity to request a hearing. I contacted them immediately and asked for proof of debt. The requested for records, but threatened to continue to advance in garnishing my wages as the 30 day window after they obtained my debt, was the window I had for requesting validation. Had they not sent the notice of debt accrual to a known 4 year old address I would have responded requesting validation of debt within Pioneer Credit Services time frame. Now since they are threatening to garnish my wages, I have to request a hearing in court. I have filed disputes with the credit agencies.
Product: Credit reporting or other personal consumer reports

RECENTLY . I DID AN INVESTIGATION ON MY CREDIT REPORT AND  FOUND ITEMS ON THERE TO BE INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE  PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES .
 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT IMMEDIATELY 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX XXXX XXXX  ACCOUNT NUMBER:XXXX

2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX CO, XXXX XXXX XXXX
ACCOUNT NUMBER: XXXX  
3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT, XXXXXXXX XXXX XXXX
ACCOUNT NUMBER: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX XXXX XXXX
ACCOUNT NUMBER XXXX
Product: Checking or savings account

On XX/XX/2019 Santander allowed an erroneous and unauthorized charge of {$270.00} to my checking account through my debit card. I learned of this after this unauthorized charge caused a series of small items that I knew about to have non-sufficient funds resulting in a cascading effect of charges. This is the detail on the erroneous charge : Date : XX/XX/2019 Amount : - {$270.00} Type : Posted products_Acc_mail_description : XXXX XXXX XXXX /GA US CARD PURCHASE I immediately cancelled my debit card and have been playing phone tag with Santander for five days now trying to get them to fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive contact XXXX about 10 times to have these injuries removed and for some reason they haven't, not there is a new injuries on my account not understanding why they will allow if I and fraud alert on my account. please remove these injuries off my report XXXX XXXX XXXX TD bank XXXXXXXX
Product: Checking or savings account

My card was skimmed and was used to make fraudulent charges, USAA closed my bank account which I had no problem with and they told me I would receive the funds in my bank account within XXXX days, and it has been longer than XXXX days and they havent sent me my check. The check being my XXXX XXXX XXXX XXXX because I am XXXX XXXX XXXX and I rely on that money to live my life and take care of my minor child. I couldnt even pay rent last month due to them taking my direct deposit from the XXXX
Product: Credit card or prepaid card

I recently sustained an unforeseen injury that has affected my vision and I'm currently on XXXX, receiving only portion of my regular salary. According to my physicians, it can be months before my vision has improved enough for me to be cleared to go back to work. With my return to work being months away, me taking a hit in my take-home wages and having now additional obligations compounding in the form of medical bills, I reached out to Capital One about my credit card balance, which is current and in good standing at the moment, to see if they could assist me in anyway with my monthly payments and interest rates during this financial hardship. I attempted to convey this request twice to their customer care team. Both times they denied my request for an adjustment on the interest rate, stating my acct " doesn't qualify for an interest rate promotion this month, but call again next month to see if you do '' as if I was in some sort of sweepstakes. I came to Capital One in good faith based on the unfortunate hardship and situation that I am enduring and I did not expect this lack of empathy and customer service. When I reach out to my other creditors, XXXX and XXXX XXXX, they were more than empathetic and understanding to my situation, assisting me with 0 % APR for an extended period of time and worked with me to get my monthly payments in a range where I would be comfortable while I weather this storm. That is why I am very disappointed and applaud that Capital One would treat their customers this way. They seem to care more about their bottom line, rather than taking care of their members.
Product: Mortgage

Our mortgage was sold to Nationstar Mortgage LLC d/ba Mr. Cooper late last year, 2022, and they have force placed insurance on our mortgage. We have attempted to upload more than six times our updated flood insurance information only to receive every time an error message " Email input error. '' Their website address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX We have tried to upload the documentation in .pdf regular and compressed format in addition to .jpg format all receiving the same error on multiple different dates from multiple computers only to receive the same error message. I emailed the policy documentation to Mr. Cooper at XXXX and also to XXXX and have never received an acknowledgment of receipt or any type of response. Our insurance company, XXXX XXXX XXXX, advised me that they faxed the updated flood insurance policy information requested to Mr. Cooper as well. I have called Mr. Cooper. I have chatted with Mr. Cooper. I have emailed Mr. Cooper. There is absolutely no assistance or resolution for this. I was simply told that they would research this and get back to me within 5 to 7 business days. I filed a complaint with the Better Business Bureau and attached to the complaint the requested proof of flood insurance. Mr. Cooper simply recently responded with a letter asking me for the email address of where I sent the proof of flood insurance as they have not received it and they still will not remove the force placed insurance. The complaint filed with the Better Business Bureau against Mr. Cooper had the proof of flood insurance attached to it so they do absolutely have the necessary documentation to resolve the problem and cancel the force-placed insurance policy placed on our mortgage. They are denying that they do not have the documentation by simply asking me for the email address that I sent it to and saying they have not received it. They have taken money from our escrow account and used it to purchase a policy of insurance that we do not need and did not authorize them to purchase. It is unethical. I can not believe they are doing this sort of thing to their customers. Back in 2014, there was a class action suit against Nationstar for force placing insurance on their customers. Unbelievable that Nationstar is now doing it to their customers again under a new name, Mr. Cooper.. I have NEVER had an insurance company conduct business in this manner. I posted on their XXXX page about the problem earlier this week and they advised to call them for help. I decided to call to give them another opportunity to fix the problem and all I got was we are researching the issue and can not help you at this time. No customer service whatsoever. Worst company I have ever had the pleasure of dealing with on our home mortgage and we can not do anything about this because they bought our mortgage so we are stuck with them.