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

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX  Has a delinquent account on my credit reports. I have never received any services and or goods from this company and is not responsible for this account because it was opened fraudulently without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit card or prepaid card

I made a payment via ach Monday XX/XX/XXXX. The money left my bank and was processed the following day. Capital One refuses to apply the payment and is requiring a 7 day hold. This is unacceptable they are earning interest on my payment while screwing me out of the benefit of the payment. This was a cash payment and absolutely no reason OTHER THAN FRAUDULENT MISREPRESENTATION AND COSPIRACY TO DEFRAUD CUSTOMERS. I have advanced degrees in econ and banking and have ran warehouse banks. This is completely illegal and unacceptable. I want to be reimbursed for interest. They are using the coronavirus as an excuse to continue to defraud customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to the credit bureaus in regards to several fraudulent accounts being reported on my credit file. I completed and submitted an identity theft report which included XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX for some reason still remain on my credit file. I have yet to receive and correspondence or documentation since from Transunion, XXXX, XXXX XXXX, XXXX XXXX XXXX, or XXXX. Report # XXXX also included addresses, names, and inquiries that were never initiated by me as well. Under the Fair Credit Reporting Act neither Transunion, XXXX, or XXXX  has provided accurate verification and should remove the fraudulent accounts immediately. Neither XXXX XXXX   XXXX  or XXXX XXXX has provided any initial 5 day communication has violates the Fair Debt Collection Practice by continuing to report fraud related accounts.
Product: Credit reporting or other personal consumer reports

I paid off my XXXX credit card bill of {$12000.00} this past summer in a lump sum payment. I was under the impression that the balance was at XXXX. A couple of weeks later I had an XXXX XXXX XXXX and then contracted XXXX. I was recovering and wasnt on my phone. I then finally started using my phone and was shocked when my credit score dropped over 100 points. I investigated and contacted XXXX immediately. They then reassured me that since Ive been a customer and Ive never had any late payment on my credit history they would remove the late payment and nothing would be reported to the credit bureaus. To my surprise this did not happen. They lied and thats the issue here, I was completely misled by the people who work for this company. I am still disputing this case. I have attached a copy of the letter that I sent out to them after speaking to a representative named XXXX. I just want to know why they lied and werent truthful about the process. They removed the ding on my credit score and then put it right back in XXXX? So many months after the incident in XXXX. I want them to provide the chat history and answers that the employee provided because that is the issue, I was misled.
Product: Checking or savings account

Excessive overdraft fees I tried to pay back the fee Navy Fed credit union closed my account before I could pay the entire balance
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : REMAINING ITEMS : Late Payment 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and i need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.
Product: Mortgage

In XX/XX/year>, I contacted Longbridge Financial about a reverse mortgage on my property located at XXXX XXXX XXXX XXXX, XXXX, MO XXXX. I had already talked to a XXXX XXXX, and submitted all the paperwork requested to Longbridge Financial on XX/XX/year>. I then had an FHA appraiser come to my property on XX/XX/year>, at which time he appraised the XXXX acres. Then he submitted an appraisal to Longbridge Financial on XX/XX/year> for {$370000.00}. On XX/XX/year> the appraiser submitted a revised appraisal for {$370000.00}. Then on XX/XX/year> he submitted another appraisal of {$290000.00} for only XXXX acres. I spoke with XXXX XXXX at the XXXX office of HUD about the appraisal on XXXX acres, and she said the third appraisal for {$290000.00} was not valid. The second revised appraisal for {$370000.00} was correct. Yet XXXX XXXX of Longbridge Financial appraisal management company disagreed. XXXX XXXX 's Branch Chief said she was correct, and the {$370000.00} revised appraisal was satisfactory to close the reverse mortgage. But Longbridge Financial would not communicate with me, and I can not close this reverse mortgage.. The closing should have been completed three or four weeks ago if Longbridge had not caused this unnecessary delay. I'm an XXXX-year old woman living on Social Security , and I should have my money now from this reverse mortgage. I asked your assistance so I can close and complete this mortgage process.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data.

Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX XXXX Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a closed, chargeoff account with credit acceptance corp. it has been showing a closed status since XXXX. In XXXX of XXXX, it now is open with two recent missed payments showing. This is trying to re-age this account, and that can not happen.I sent the company a letter about this over 60 days ago, but have not heard from them.
Product: Money transfer, virtual currency, or money service

my bank account with XXXX XXXX was fraudulently used to XXXX  contacts that were not mine. My XXXX account, my savings account, and my cash app accounts were accessed by someone other than myself. 

My bank replaced my debit card and checks. This is the second time in two months. Cash app refuses to refund my money of XXXX transfer to XXXX XXXX. I have never used XXXX XXXX and would not transfer my money to that. I tried the week before to transfer the XXXX to my bank account with no success. 

Anyone could have hacked my account, my checking account with XXXX XXXX proves that. But cash app is insisting I did not cancel the transaction in time. Sorry but I was dealing with new cards, new checks new number on two savings and one checking account XXXX XXXX XXXX  and cash app. 

They have no evidence that I personally initiated such a transfer to XXXX, I reported the phising email I received from XXXX that started all of this to my bank, to the Attorney General 's office. and the XXXX XXXX XXXX XXXX.
Product: Mortgage

I AM REQUESTING THE OMBUDSMAN DEPARTMENT TO AUDIT MY ACCOUNT. SINCE XXXX RUSHMORE LOAN MANAGEMENT SERVICES HAS REFUSE TO REFUND OR CREDIT MY PRINCIPAL ACCOUNT, TOTAL OF {$7500.00} ILLEGAL UNJUSTIFIABLE OVERCHARGES VALUE/XXXX COST, LATE FEES, ATTORNEY FEES, FLOOD INSURANCE FEES AND HOMEOWNERS FORCED PLACED INSURANCE FEES. 
THESE FEES ARE NOT SUPPOSE TO BE CHARGED DURING TRIAL MODIFICATION PROCESS STEMMING FROM XXXX XXXX NATIONAL DISASTER. SEE ORIGINAL ENCLOSED XXXX XXXXXXXX XXXX XXXX NOTE COPY DOC TYPE XXXX WHICH DOES NOT REQUIRE INTERIOR FIRE INSURANCE COVERAGE FOR A TOP FLOOR CONDO PENTHOUSE NEW HIGH RISE BUILDING WIRED WITH SPRINKLER SMOKE CARBON DETECTOR ALARM SYSTEM COMPLETED XXXX BASED ON FLORIDA STATE LAWS.
Product: Debt collection

Central Portfolio harassed me into paying medical bills I could not afford and should have been covered under insurance. They then placed the debt onto my XXXX credit file which has harmed my credit and prevented me from purchasing a home. This is a direction violation of the FCRA.
Product: Mortgage

We have paid our mortgage in full and on time since its inception in XX/XX/XXXX. We have no escrow account and have always paid our insurance and property taxes on time and in full. In the summer of XX/XX/XXXX OCWEN charged us for forced place insurance even though we had insurance. They never sent us notification of this or the reason why it was necessary. We had insurance thru XXXX XXXX at the time. I didn't realize they had done this until I got a collection call from them stating that we were 90 days past due on our loan. During that conversation I was also told that forced place insurance had been applied in early XX/XX/XXXX as well. I pulled our credit report and found that OCWEN had indeed reported our loan 90 days past due. Over a six ( 6 )  week period I spoke with numerous OCWEN customer service agents, XXXX xXXXX, XXXX XXXX x XXXX, XXXX XXXX, XXXX XXXX, XXXX xXXXX, and was told that XXXX  had not provided them with a copy of the policy. XXXX  provided proof that insurance was in place and never lapsed, and provided me with a copy of the fax transmittance. OCWEN promised that once they received the documentation from XXXX they would ( 1 ) removed the forced place insurance, ( 2 ) credit the charges associated with the forced place insurance, ( 3 ) issue a letter to us showing that we were not at fault and had never been late on our mortgage, and ( 4 ) correct our credit report. As of this date, OCWEN has ONLY removed the forced place insurance for XX/XX/XXXX and credited the charges associated with XX/XX/XXXX. I have made over 20 calls and spent over 6 hours with OCWEN customer service trying to correct this -- the last of which was with XXXX x XXXX on XX/XX/XXXX. Due to OCWEN 's incompetence and careless regard for our credit standing, our three ( 3 ) credit reports have shown us 90 days past due since XX/XX/XXXX. Nothing seems to get them to correct their error and nobody seems interested in getting this fixed. 

My first attempt at correcting this error ended with OCWEN stating that they did not have proof of insurance for the dates they show as lapsed. I found this strange as when I contacted them on XX/XX/XXXX at XXXX CST their XXXX XXXX at extension XXXX told me that he could see them in the system. 

I am including them with this complaint. 

Any attempt you could provide would be greatly appreciated.
Product: Debt collection

third party collection agency garnish my wages with verifying the debt after I sent them a debt verification notice several times
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Vehicle loan or lease

I made a monthly Payment of principal, interest, and additional principle prior to the monthly due date. Instead of applying the additional amount as additional principal to reduce the loan balance, the bank held the funds overnight and applied the additional sum paid as an extra monthly payment. As this was misclassified as an additional payment instead of additional principal, the bank charged me interest for the night they held the funds. I have attempted to resolve this with XXXX XXXX, a supervisor at Bank of America, and he has refused to address my concerns.
Product: Debt collection

CFPB Complaint Letter Regarding IQ International XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( Email : XXXX ) Date : XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX RE : Complaint Against IQ International XXXX XXXX Dear CFPB, This letter is to formally file a complaint against IQ International XXXX XXXX ( " IQ '' ) for violating my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ). 
Dispute of Debt I am writing to dispute any and all debt that IQ claims I owe. I have no knowledge of this debt and believe it is in error. 
Revocation of Communication Methods I hereby revoke IQ 's right to communicate with me via email, text message, or phone calls. All future communication must be done in writing and sent to the address listed above. 
Request for Validation and Documentation I am requesting debt validation from IQ in accordance with 15 USC 1692g. This validation should include : The amount of the debt The name of the original creditor The date the debt was incurred Additionally, I request a copy of the purchase agreement between IQ and the original creditor. 
Furthermo, I request proof that IQ is licensed and bonded to collect debt in my state. Please funish copies of these licenses and bonds. 
Unlawful Debt Collection Practices I believe IQ is using unlawful extortion tactics to collect a debt I do not owe. These tactis include threats to damage my credit report and reputation. I have not had a fair opportunity to dispute this debt, nor have I received any proper notification of its existence. 
Request for Proof of Notification If IQ believes I received proper notification of this debt, I request a copy of the notification with a certified receipt showing my signature for delivery. 
Response Time I request a written response from IQ within 15 days of receiving this letter. Your silence on this matter will be considered an admission of guilt according to 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), 15 USC 1681s-2 ( 7 ) ( a ), and UCC 1-202f . 
Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Enclosed ( ID AND PROOF OF ADDRESS )
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had four late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023 ) XX/XX/2023 XX/XX/2023 XX/XX/2023 Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Product: Credit reporting or other personal consumer reports

Im aware that a charge off is considered a certificate of indebtedness which means it is income and therefore, eligible for removal from the records.. In light of this information and seeing as in multiple credit reporting agencies are reporting this under my account, I would like to kindly request assistance in reviewing this information due to the implications of a charge off under the Internal Revenue Services ( IRS ) IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. Im requesting an investigation based on my XXXX and Equifax credit report information showing a charged off debt from XXXX XXXX XXXX reported on XXXX XXXX for the amount of {$23000.00}.
Product: Debt collection

I was with XXXX for XXXX+ years. I decided to not renew because I was not satisfied with them. I was on a month to month contract, but, to simplify my life I just paid it annually in advance each year. The last renewal bill I did not pay. I switched alarm companies in XXXX. That same month I got a call from XXXX XXXX asking why I did not renew. I told the supervisor why and he stated he was sorry and asked what he could do to keep me as a customer. I told him I already switched XXXX and there was nothing. He said he would get back to me with a proposal anyway, I said fine, just email it to me. 
I never got that email and therefore did not even think about it. Sine that phone call I sold my home, purchased another and never gave this issue another thought until early this year, I noticed a collections on my credit report. They are claiming I owe {$330.00} for alarm services. Then I got to thinking about what happened. I had some questions. 1 ) Why are they charging me for almost a full year of service? 2 ) Why did n't the supervisor tell me this on the phone in XXXX when he knew I was with another company? 3 ) How long does it take to cancel a service for non payment? 
I called XXXX XXXX and they said they do not have the records anymore I have to deal with the collections company. 
I sent certified letters to the collection agency ( attached ) trying to resolve this and they are refusing my offer. I offered paying up to the time in XXXX that I spoke with the supervisor even though I feel I owe nothing. I think it is more than fair. I now understand that they require an advanced written notice to cancel. I think the supervisor had an obligation to notify me of this when I spoke to him on the phone. There was no way for me to know or remember this procedure from XXXX years ago.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE EQUIFAX, XXXX, AND XXXX XXXX BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND DEPRESSED AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX