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

I made a complaint to Experian about a hard inquiry by the name of XXXX XXXX XXXX XXXX XXXX I do not recognize this and certainly did not give them the ok to do a inquiry for my file. I never did business with them or a application. This is Identity theft and Experian never confirmed the inquiry with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is reporting inaccurate information on my credit report in reference to a student loan balance. Loan has been paid as agreed. See attachment with document from Irs
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which was causing a lot XXXX XXXXXXXX, I contacted all companies multiple times theres invalid and in-accurate and questionable items the agency didnt make sure it was reporting 100 % correctly. 
and according with the fair credit reporting act everything has to be 100 % accurate on my credit report and under 15 u.s code 1681 ( e ) and 15 u.s code 1681 ( 5 ) these accounts are in violation of reporting inaccurate information and not 100 % accurate, and Ive received no response from Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the process of consolidating all of my student loans in XXXX XXXX - the process was completed at the end of XXXX XXXX. My credit report is showing that my XXXX XXXX  are late 90 days XXXX XXXX. I have question as to how this could be when in XXXX XXXX the accounts are being reported OK no late account indicated, then XXXX accounts where transferred/closed. 

I have requested XXXX XXXX XXXX to look into the matter on XXXX XXXX, XXXX and then again on XXXX XXXX, XXXX. No response - I have also asked all 3 credit bureaus to validated the information and XXXX is the only one that updated the information to reflect the removal of the 90 day late. XXXX & Experian come back with account is verified accurately.
Product: Mortgage

Ditech reported my account as " Bankruptcy '' rather than " Cash for Keys '' settlement. On XX/XX/XXXX, in the XXXX XXXX XXXX XXXX Court in FL, CASE No. XXXX, Ditech-Green Tree agreed to pay me {$4000.00} upon vacate the property and waive the deficiency. Ditech has neglected correcting my correct account status to the XXXX consumer credit agencies despite my several calls and formal request via certified mail on XX/XX/XXXX. Ditech also has neglected to close my account and provide the XXXX form for XX/XX/XXXX taxes. On XX/XX/XXXX XX/XX/XXXX, I took Ditech to the XXXX XXXX Court to enforce the court order payment of {$4000.00}. Judge granted me the payment and filed a sanction against Ditech in my favor of {$500.00} for my expenses. I am asking for your help. Ditech needs to be more responsible and accountable providing timely and accurate information to their customer, public, and consumer credit agencies.
Product: Debt collection

VALIDATION AND CEASE AND DESIST LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX, SC XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX Dear LVNV I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Debt collection

Ad astra keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account number XXXX. 
When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

About XXXX  months ago ( XX/XX/XXXX ), I was started the process of trying to obtain a loan. Because of XXXX XXXX, I'm still in that process and have not been able to secure this loan.

The reason my loan is taking so long is because I have two XXXX  day lates on my credit from a XXXX XXXX credit card that I've had in my name for over XXXX  years. These allegedly occurred in XX/XX/XXXX and XX/XX/XXXX, while the world was in the midst of the pandemic. I was never notified of these lates and to my knowledge have always paid my credit card on time.

Over the last XXXX  months, I've tried all the normal avenues to get this incorrect payment reporting rectified. I've called XXXX XXXX probably XXXX  to XXXX  times and repeatedly was assured they would correct the XXXX-day late reporting. On multiple occasions, they told me that the reporting was corrected and to just wait for the next credit bureau reporting cycle, which can take XXXX  days. I've waited XXXX  for that to happen and still nothing has been fixed.

I've also reached out to the credit bureaus a handful of times and filed countless disputes to no avail.

I'm simply trying to get these two incorrect XXXX-day late payments ( from XX/XX/XXXX and XX/XX/XXXX ) removed from my credit. 

I'm currently XXXX  and this incorrect information from XXXX XXXX is causing me undue stress during my XXXX, not to mention completely delaying me from obtaining my necessary loan for almost a year. I've experienced stress that has both directly impacted my XXXX and my financial situation and I just want XXXX XXXX to correct this.
Product: Debt collection

XX/XX/2018 I was contacted in reference to this debt. I was told that the account was transferred to them on XX/XX/2018. 

We filed bankruptcy on XX/XX/2018. We had went to the Federal Bankruptcy Court XX/XX/2018. We received notification that the case was DISCHARGEd at the end of XX/XX/2018. The Federal Student loans that company was referring was in the Bankruptcy, the name that the account was under was also added to the file.
Product: Credit reporting or other personal consumer reports

I never gave anyone permissible purpose to pull my credit report these inquiries are a result of identity thief and these inquiries need to be blocked immediately XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the equifax data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX transunion and XXXX  credit report XXXX. I had. Cc and I'd. Theft. Keep calling and they keep saying that Has been over 90 days
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$680.00} / XX/XX/2022
Product: Debt collection

I asked a representative if I paid the debt in full will they remove it from my credit report he said yes and he will send me an email stating that the debt was paid in full and it will get reported and removed from my credit report. I have not received the letter and is still on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of great concern regarding a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which outlines the permissible purposes for obtaining consumer reports. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent could be considered Identity theft On the dates of XX/XX/2023 through XX/XX/2023, I became aware that XXXX XXXX accessed my consumer report without a valid permissible purpose as defined under the law. This action raises serious concerns about my privacy rights and compliance with federal regulations designed to protect consumers like me. 

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian XXXX a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment within Grace Period : The reported XXXX late payment is inaccurate because my records show that the payment was made on time, well within the creditors XXXX grace period. Therefore, reporting a XXXX late payment is incorrect. 
Clerical Error : Upon review of my account, I identified a clerical error where a payment was incorrectly applied to a different due date, causing the late payment report. Documentation from my financial institution shows the payment was processed on time. 
Evidence Provided : I have attached bank statements and transaction records confirming the timely payments, which prove that no late payment occurred. Additionally, the creditor failed to notify me of any delinquency, which is a required step before reporting a late payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Beginning of this month, someone opened a credit card ( last XXXX # : XXXX ) through my bank, BOA under my old last name ( XXXX ) & had sent to my old address. Filed a report with BOA fraud department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the letter to dispute the accounts listed on XX/XX/2020 and delivered on XX/XX/2020 and asked to respond within 30 days but the credit reporting agency Experian never responded or opened any investigation regarding the accounts disputed.
Product: Mortgage

Good day. I recently found out that I would need to have flood insurance. A few days prior to hurricane Helene on XXXX ; I reviewed my mortgage statement online and noticed an increase in payments that would apply to my next statement ; I pay my mortgage directly from my account biweekly. I called my lender to ask about the increase and they told me it was due to not having flood insurance. I explained that I was not required to have flood insurance and they stated that this is a new requirement ; I was rezoned and now fall under " special flood insurance ''. I told them that I was unaware and that I did not receive any communication in regards to this ; they claimed they had sent it out to me via mail. I checked my email, texts, bank account and mail and the communication was not there. I asked them to send me a copy of the communication and they have yet to do this ; In short I acquired my own flood insurance that is {$500.00} annual but they acquired there own flood insurance and have subsequently added XXXX XXXX monthly to my mortgage which is burdensome and unnecessary since I purchased 1 year of flood insurance ; I had spoken to an agent of Wellfargo and they had told me that as soon as I purchased my own they would remove their policy and I may have a gap between insurance that would need to be covered ; I have had no flood damages or made no claims for flood damage ; I immediately got insurance and provided this to my agent and the mortgage company ; albeit I had to wait a few days until hurricane Helene had passed for the underwriter to approve the insurance ; the gap that is owed from the time they placed it till I acquired my own I am willing to negotiate. They told me that for the life of the loan they will escrow additional fees for the flood insurance ; Their flood insurance is {$7200.00} if the math is done ; while mine is {$500.00} annual ; This is clearly an enormous burden to me. It has now been 11 days that I reached out to wellsfargo and the statement that they sent to my account is blank. I called today XXXX and the agent is unavailable ; they have already collected {$300.00} as a part of an escrow ; I have not escrowed in years due to how expensive it is ; This is a tremendous burden to me ; Your assistance would be appreciated and any resources that can be provided for me to correct this miscarriage of justice
Product: Mortgage

I have an Auto-Pay contract with PENNYMAC Mortage Loan Services, XXXX, CA XXXX, Morgage Loan # XXXX. My last monthly auto-pay of {$1300.00}, occurred on XX/XX/2016. I called customer service on XX/XX/2016 and asked about the XXXX monthly auto-pay which was not implemented. They told me they have turned off my auto-pay because the payment was less than {$1300.00}. Is this legal??? Their phone is XXXX. 

My name is XXXX, XXXX, CA XXXX. 
Email : XXXX, phone:XXXX I would like for them to honor the Auto-Pay contract I have with them. I do not see why they can not draw the final mortgage payment from my XXXX bank as they have done for the last 4-5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a member for over XXXX  years with Discover Bank and have never been delinquent. Per 15 USC 1681 623a7, line item 6. Notice of negative information, Discover bank did not follow the following steps by law. 

The Federal Reserve Board ( XXXX ) was directed by XXXX to write sample notices for financial institutions. The Board has finalized the regulation, at XXXX. The sample notices adopted by the Federal Reserve Board are short and to the point : Notice before negative information is reported : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 

Notice after negative information is reported : We have told a credit bureau about a late payment, missed payment or other default on your account. This information may be reflected in your credit report. 

I was never contacted by Discover after negative information was reported to the credit bureau, and how this negatively information would impact me.
Product: Mortgage

Mortgage Servicer : Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX UT, XXXX Earlier this year, we asked for forbearance. The terms of the forbearance were not explained well, but we accepted the help and delayed payment of our mortgage by TWO MORTGAGE PAYMENTS ONLY. We decided that we could then resume payments with the unemployment insurance money. 

Our mortgage payment went up by about XXXX XXXX dollars per month. 

My husband still does not have full time employment. Our account is still in good standing. One month ago, my husband applied for forbearance again. Legally, this is allowed under the CARES act, but my husband has been asked for extraordinary amounts of information and has spoken to several people at the servicer. 

They have notified my husband that my credit ( I am not listed on the mortgage ) may be adversely affected by asking for help from them. 

Each time my husband calls, he speaks to someone who has no idea what is happening with our account, and tells him that there ARE NO NOTATIONS OF applying for forbearance on the account. Twice, two representatives have told him to remit payment, and then when he calls back, different representatives say that he should not pay. We received a notice that the information on our application was incomplete, but an additional representative directed my husband to ignore the notice. 

Two weeks ago, we were told that information on our application, notices and important messages would be communicated to us through our online portal, but we have received ZERO messages there, even though we have received phone calls from them. 

Last week ( today is XX/XX/XXXX ) have even been told on the phone by a representative that we " can not trust the emails that we receive from them '' and that it is our responsibility to keep contacting them to make sure the process is going forward. 

Immediately after that, we called back and a representative named XXXX said that person was completely wrong, we should wait to pay and everything is proceeding as it should. 

We got a phone call today XX/XX/XXXX from them. We do not know what it was about. They did not leave a message. When we called back, they said that they did not know what the phone call was about -- they did not have a record of the call. 

We restructured our mortgage in XXXX through the HARP program and have never had a late payment ( we were in good standing when we restructured as well ), but we have since been informed that our mortgage is NO LONGER a federally backed mortgage. I'm not sure how this happened.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item i am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Due to unforeseen circumstances I had to dropout of college. i received a notice of debt owed to XXXX XXXX  University I received a call from a debt collector advising me about this debt, I agreed to establish a payment plan with the agency assigned the debt by XXXX to make monthly payments and avoid bankruptcy. In doing so it was agreed that the debt would not get reported to my credit report. i have been making payments every month as agreed and have learned once access was gained to my XXXX XXXX that the company is reporting to XXXX XXXX and has been doing long before the collection company called me. This company did not notify me by mail prior to the phone call mentioned above and then reporting this to the credit beaureus not allowing me to dispute or validate the charges. This needs to come off my credit now. This debt collector is in direct violation of FCRA.
Product: Credit reporting or other personal consumer reports

I accounted XXXX XXXX XXXXXXXX in XXXX of XXXX asking for an investigation into this debt. On my credit report, it shows that account number XXXX is in a closed status and had been charged off with a balance of {$1600.00}. I have not received a XXXX form, since this is now considered income. Even though this has been written off and now income for me, there have still been collection attempts made on behalf of this company.