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

I had two different collections agencies reporting on my credit report at the same time. The 2 collection agencies were XXXX XXXX XXXX and XXXX XXXX XXXX. Both claimed they were contracted by XXXX XXXX. I have never had service with XXXX XXXX. I contacted XXXX who in turned advised me to submit a dispute especially since both collections agencies reported they were collecting from XXXX. I filed a dispute with XXXX  regarding XXXX XXXX XXXX and XXXX XXXX XXXX and they both were removed. Equifax  removed XXXX but not XXXX XXXX XXXX. I sent a certified letter to XXXX XXXX XXXX asking for verification and they sent me back a billing statement with my name and a XXXX XXXX as the address. This account is fraudulent and XXXX XXXX XXXX lack the burden of proof for it to remain reporting. I asked for ownership paperwork or an original contract which has yet to be sent to me. Equifax  is the only. bureau reporting this bogus collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I missed a mortgage payment in XX/XX/XXXX, but paid the account in full on XX/XX/XXXX. 
Transunion is reporting that the information was changed and the late payment is now showing up on my credit report in XX/XX/XXXX ( instead of XX/XX/XXXX where it was originally ). 
I have spoken to XXXX XXXX and they claim they never made the change, and I tired to dispute the error with transunion, but they say it will be resolve within 30 days. 

I have been waiting to purchase a new property with the intention that on XX/XX/XXXX, this XXXX late payment would no longer impact my ability to get a mortgage. As it turns out, I am afraid to apply for a mortgage now until this matter is resolved since I was told that I will not qualify for 1 year after a missed mortgage payment. 

Can you help me get this resolved quickly? I was hoping to purchase a property in XXXX.
Product: Mortgage

I am attempting to transfer the title of my mortgage into a trust for estate planning purposes. I have called in 5 times asking if its possible with my mortgage loan type, each time I was advised they can not answer my question and that I need to send a written request to their Assumptions department. I was given an email address to email my written request to. I have sent emails on XXXX, XX/XX/XXXX and XXXX with a new written request for steps on transferring the title. At this point in time I have received no response to any of the written requests sent. When I call into customer service I am being told they have a follow up call set for XX/XX/XXXX. It at this point in time they have clearly missed that time line. Since they have not even acknowledged my written request they have clearly missed the RESPA guidelines for written requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SUN XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit card

I have a problem receiving monthly statements to reflect my payments made and balance history. I am requesting a monthly statement to reflect my history because payments are being made as required but I have not received statements in over XXXX months.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Information on XXXX Card Account Dear CFPB Team, I am writing to formally request your assistance in resolving an ongoing issue with inaccurate information being reported on my XXXX card account by Experian. Despite disputing this information and providing all supporting documents to demonstrate that my account has been paid in full, Experian has failed to properly update my credit report. 
My concerns align with the CFPB 's previous allegations against Experian regarding violations of the Fair Credit Reporting Act ( FCRA ). These include : Sham Investigations : Experian has conducted a superficial investigation of my dispute, failing to address the documentation I submitted. They have accepted inaccurate responses from the original furnisher without critical review, leaving me with a credit report that remains incorrect and misleading. 


Reinsertion of Inaccurate Information : Despite correcting certain inaccuracies in the past, Experian has allowed the same incorrect information to reappear under a different furnishers name. This suggests a lack of adequate safeguards against the reinsertion of previously deleted information. 


These practices not only violate the FCRA but also constitute unfair acts or practices under the Consumer Financial Protection Act ( CFPA ). Experian 's actions have caused undue stress, harmed my credit profile, and undermined my ability to maintain an accurate credit record. 
I have enclosed all supporting documents for your review, including evidence that my XXXX card account has been paid in full. I urge the CFPB to take action to : Compel Experian to correct my credit report and ensure the accurate reporting of my account status. 
Implement stricter oversight of Experians dispute-handling practices to prevent harm to other consumers. 
Provide redress for the harm I have suffered due to Experians negligence. The sooner this is corrected, the complaints will stop. 
Thank you for your time and attention to this matter. 
Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan on XX/XX/2020 and was denied from XXXX credit XXXX XX/XX/2020, I received a denial letter from XXXX XXXX XXXX with explaination.One key factors that adversely affected my credit score that's on the Denial letter is '' Derogatory Public Record '' which generally means Bankruptcy.I did have Bankruptcy and it was removed in early XX/XX/2020 from Equifax.Also in the denial letter it states '' our decision was based in whole or in part on the information obtained in a report from the consumer reporting agency listed below ( Equifax ) '' .I have disputed a few times to have bankruptcy removed because the 10 years is up.Equifax said it is not on my credit report and not reporting on my credit report.Because of this denial letter, its clearly on my credit report and was never removed.This is a violation of the fair credit act.Also, Equifax is not reporting my credit score correctly.My current report says XXXX and on this denial letter it states XXXX.On a current CFPB complaint ( s ) No.  XXXX and XXXX, Im having the same problem with bankruptcy not removed from credit report and a difference in credit scores.
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ Creditor 's equifax ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history. 
Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 

XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENT XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter. 
This account was closed on XX/XX/XXXX. Why are their late payments XXXX of XXXX XXXX XXXX and XXXX of XXXX
Product: Mortgage

This is follow up to the complaints XXXX XXXX & XXXX ) from XXXX. I am attaching the last responses XXXX XXXX XXXX from Mr. Cooper had sent to my complaint where they had assured that the escrow was wrongly put into my account and that they had credited the amount that was being reflected. 

Things worked well for a couple of months - however, I just received another letter in the mail asking me to pay up the exact amount and showing that as a negative escrow balance. The reason being provided that those funds were used to pay for property taxes. As far as I am concerned, my property taxes ( both installments ) have been paid by me - the 2 dates as XX/XX/XXXX and XX/XX/XXXX for the 2 installments ( which correspond to the dates the checks cleared my bank ). 

It is possible that Mr Cooper sent the tax payments to the county - however, that is not reflected on my property account and it is between MrCooper and the county to work out how to resolve that payment. In the meantime, I want my escrow balance to be zero and this matter closed. 

I reached out directly via email to Mt XXXX XXXX and also left him a voicemail - I have had no responses at all. This is very typical of the customer service of Mr Cooper - no response and absolute silence. 

I have attached the 2 responses that were sent to me in early XXXX as well as the copy of the letter I received and my property tax records directly from the county at XXXX : XXXX XXXX : XXXX Thanks XXXX XXXX
Product: Debt collection

ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX This Above listed Accounts has violated my rights. THE CREDIT BUREAUS KEEP DISRESPECTING THE LAWS I SHOWED THEM MULTIPLES TIME OF HOW THEY ARE VIOLATING THE FAIR CREDIT REPORTING ACT. 

ACCORDING TO 15 USC 1681 i ( 5 ) the credit bureaus have to modify or delete account that are not reporting accurately.

ACCORDING TO 15 USC 1681B ( 1 ) THE CREDIT BUREAUS DONT HAVE NO WRITTEN PERMISSION ACCORDING TO 15 USC 1681 I HAVE THE RIGHT TO PRVACY.

ACCORDING TO 15 USC 1681S-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of error A person shall not furnish information relating to a consumer to any consumer reporting agency if -- -- - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate : and ( ii ) the information is, in fact, inaccurate. I can go on and on the credit bureaus have no respect for the laws. someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

In response to the recent investigation, I hereby express my disagreement with the findings and request the utmost accuracy. I am dissatisfied with the efforts made to contact the creditors responsible for the information reported on my credit file. Therefore, I seek further clarification regarding the following items under question : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I hereby request a reinvestigation and update of these disputed accounts. You are allotted fifteen ( XXXX ) days from the receipt of this communication to complete these actions, unless otherwise notified, in accordance with 15 U.S.C. Section 1681i ( XXXX ) ( A ). Failure to verify within this timeframe constitutes non-verification, mandating prompt updating of the accounts as per Section 1681i ( a ). Pursuant to XXXX U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I request notification upon the completion of updates to the items.
Product: Debt collection

Caine & Weiner put a debt collection on my credit report from XXXX XXXX XXXX now I cancel my policy with XXXX XXXX XXXX and went to XXXX XXXX. Now. You pay from the month ahead with auto insurance. So I cancel my policy with XXXX so I do not own them anything! Again you pay for auto insurance for the month ahead!! So I own them nothing. Thank you for any help to resolve this matter!
Product: Credit reporting or other personal consumer reports

The XXXX major credit bureaus Equifax, XXXX XXXX, and XXXX failure to report correct payment history for XX/XX/year> with XXXX balances for XXXX XXXX XXXX XXXX XXXX with XXXX balances with no lates.was told information was sent to bureaus but there is no proof on record.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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. 

XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INACCURATE 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 XXXX XXXX XXXX XXXX EQUIFAX INACCURATE 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INACCURATE 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX SS XXXX XXXX I am trying to get my address and personal information all correct and together. I was in contact with XXXX XXXX and I was told that I had to send in proof of address my information is being confused with another XXXX XXXX XXXX and I have never lived at these address listed below. I do not wish to file a police report unless I have to. Please delete these following addresses the are no a previous address or current address : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to formally dispute an unauthorized hard inquiry on my credit report. Upon reviewing my credit report, I identified a hard inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that I did not authorize. This inquiry has potentially impacted my credit score, and I believe it to be incorrect or fraudulent. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that TransUnion investigate this inquiry and remove it from my credit report if it is found to be unauthorized or inaccurately reported. 

Details of the Disputed Inquiry : Inquiring Organization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recall authorizing this inquiry and have not engaged in any financial transactions that would warrant a hard credit pull from the aforementioned organization. To the best of my knowledge, this inquiry is a mistake or a result of fraudulent activity. 

Enclosed, please find copies of documents that support my claim. 

I kindly request a prompt investigation into this matter. According to the FCRA, you are obligated to complete this investigation within 30 days of receiving my letter. If this inquiry can not be verified as authorized by me, please remove it from my credit report and send me a written confirmation of the removal. 

Thank you for your immediate attention to this matter. Please do not hesitate to contact me if you require further information or clarification that may assist in the resolution of this dispute. 

Sincerely,
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that was incurred on my account. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. As a result, Navy Federal has closed my account with them, due to stacking several overdraft fees on the account. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I contact them numerous time to correct the inaccuracies that are on my credit report. 

I contacted the 3 major credit bureaus to dispute these inaccuracies. 

They keep placing new negative notations on this account monthly. 

This account is actively being disputed and had been being disputed nonstop since XX/XX/XXXX. 

They failed to provide me any verification documents. 

They keep ignoring my requests.