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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX BANK AND CONTINENTAL FINANCE IS TRYING TO COLLECT MORE THAN AGREED AND IS UNDER XXXX, ALSO IS REPORTING LATE PAYMENTS ON CLOSED, AND CHARGING FEES AFTER THE FACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was filed XX/XX/2021 and this company is still reporting closed on XXXX bureaus and open on another bureau.
Product: Mortgage

on XX/XX/2015 i call ocwen mortgage to refinance my mortgage they told me that they can not refinance my mortgage but they can restructure my loan, after going through the trial period they send me a package to fill out and get notarize which i did and send back, i then received a phone call saying that i owe {$1900.00} to ocwen when i ask why they told me that i did not send back the package i said i did, then i was told i owe {$400.00}. tlus in escrow fees i started argueing with them then they said if i pay the {$400.00}. plus in escrow fees my mortgage will go down i sent them a for $ XXXX.plus and another check for $ XXXX.plus i i call them and ask them what happen to the check i send for my escrow they told me that they put it in an account i then said that check was sentfor my escrow on the check i wrote for escrow account so i was duped like many others home owners like myself who lost their homes to ocwen mortgage co. i sent a complain to the attorney general Pam Bondi i receive a letter saying they are looking into this, every time i call ocwen and ask to speak to the person i spoke to previously i am told that he/ she is not available so you can never speak to the same person twice this mortgage co is ripping innocent AMERICAN OFF. and someone need to stop them. I AM THANKING YOUR BUREAU FOR ANY HELP FOR MYSELF AND OTHER AMERICANS THAT WAS RIPOFF BY Ocwen mortgage co. Thank you XXXX XXXX
Product: Checking or savings account

I found XXXX, XXXX in unauthorized transactions on my account activity log. I went to them and so far nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Credit Card was lost/stolen. I reported it immediately & was told that they had closed this particular card. I was told the amount charged that I was not liable for & would not be reported on my credit. However, XXXX  is still reporting this fraud charge on my credit report. I spoke with XXXX XXXX & was told that the amount in question was not on my account. XXXX needs to re-investigate and clear this up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts ( XXXX XXXX XXXX, XXXX ) that are under investigation with Equifax that have been under investigation for about two months now- please see the attachment.
Product: Debt collection

On XX/XX/XXXX, & XXXX of 2024. I contacted I.C.System INC in reference to Account # XXXX being in violation of the FCRA specifically 15 U.S. Code 1681 Congressional Findings and Statement of Purpose. I requested a Debt Validation letter with my wet signature support this account being reported on my report, all to no avail. Im requesting this fraudulent third party account be closed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good payment history with companies only one missed payment would like to have removed from credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent me a credit without my authorization place XXXX on my credit. also the inquiry cause my score to drop. I currently in the process of purchasing a home. reach out to the fraud department, The card is not active ha no charges on it I want this remove from my credit and my score updated immediately
Product: Student loan

My father co-signed my sallie mae student loan, I did not know that he agreed to pay a specific amount every month on it because he wanted it to be a surprise to me that when I graduated I would not owe as much as I would have thought. But, Unfortunately, My father has passed away and now 2 years later sallie mae won't listen to me when I tell them that I had no idea that he made those arrangements and now he is dead, How can I be responsible to repay what I never knew I had, I no longer obviously use sallie mae but I have tried to reason with them for a payment plan as I am still a XXXX XXXX XXXX. They are very Rude and Not understanding or caring at all!!!!!!!!, Actually they have been very disqusting ..... I am willing to pay my loan, But I have to work out a reasonable monthly payment due to the fact that I am still a XXXX XXXX at this time.
Product: Debt collection

Company named AFNI claims to work on behalf of XXXX and says that I owe over {$700.00} due to an accident that i was never involved in, in a vehicle i never owned, in a city I don't live or have ever visited. They say this so-called accident took place on XX/XX/2018 and I'm not sure how they have my personal information. I have already tried contacting XXXX directly and they are not aware of this company or the claim number that AFNI came up with. This company continues to send me letters of owing and calling my phone. I want it all to stop! I don't know of their legitimacy, but I have no involvement in this claim.
Product: Credit card or prepaid card

I wanted to cash out the {$1100.00} in my CashApp account using their phone app. It defaulted to the instant transfer with fee option. This is not the option I wanted - I wanted 2-3 business days with no fee. I have never used the fee option before. I accidentally tapped the transfer button while on the default instant transfer screen. There was no final step or confirmation before the transfer was completed to confirm that it was the correct selection. I had never used it before and was not aware of this fact. I immediately contacted customer support to try to reverse the action or cancel the transaction but was told it was not possible. I do not think it is fair to consumers to have no confirmation screen in between the cashout page and the execution of the transfer. It happened by mistake, and far too quickly. At the very least, if there is no final step in the process to confirm that the fee option is what the customer wants, the fee option should not be the default selection that comes up. I feel that it is an unfair business practice to not allow consumers to give a final confirmation that they are being charged unnecessary fees. An " are you sure '' type of intermediate step is the expectation when it comes to payment screens, especially online or on a touchscreen phone or tablet, where a person can easily tap a button by mistake. I would like a refund of the fee charged to me. I also feel that CashApp should be required to either default to the no fee cashout option, or else to have a final confirmation before completing the irreversible transfer. The way it is set up currently feels like a trap. It causes customers to pay fees by mistake, with no recourse to fix the problem after the transfer is completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello during COVID, it was very hard to keep up with bills throughout the pandemic. Recently I looked at my credit report and saw way more late payments than I ever missed. I disputed with the company to make sure that everything was correct and they reported back results that were accurate. However ; there are discrepancies amongst the other credit reports as well. 

On my XXXX credit report XXXX Account # XXXX, showed that I had a late payment on XXXX of XXXX. That same account on my XXXX shows that I have a late payment on XXXX of XXXX. Once again, that same account this time on my transunion report showed a late payment on XXXX of XXXX. 

I have the same situation on my XXXX report with XXXX Account XXXX XXXX, My late payment history shows two late payments, one on XX/XX/XXXX & another on XX/XX/XXXX. 
However ; on my XXXX report theres only one late payment on XX/XX/XXXX. 

I am trying to get a home and I find it really suspicious that after disputing my report with the credit bureaus all of the disputes came back correct and unchanged. I would like to receive some monetary compensation for each of these violations. I would also like to have these late payments completely removed off of my report.
Product: Credit reporting or other personal consumer reports

company is reporting fraudulent accounts on my consumer reports.
Product: Debt collection

Harris & Harris , Ltd., failed to respond to a written request for verification of a debt, for which they signed a receipt of the certified letter making the request. They proceeded to file a wage/income lien with my employer ( despite not obtaining a garnishment order from any court ), in addition to calling various family members and disclosing information about the debt to them.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Sent a letter to request debt validation, as debt was sold to third party AmeriCollect from XXXX XXXX XXXX. No response received from company confirming debt is owed and due.
Product: Credit reporting or other personal consumer reports

My Experian credit report shows an address of XXXX XXXX XXXX XXXX, TX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Ive mailed an letter asking for the address that isnt to be removed but it remains on my Experian credit report although XXXX and XXXX only shows my only address.
Product: Student loan

I have submitted my PSLF forms since XX/XX/2024 when I hit XXXX payments. After making the final XXXX payment on XX/XX/2024 I faxed one of the forms initially because my employer is not able to use the online tool. I waited and called and requested updates during this time and was repeatedly told that they XXXX. Couldn't find the fax XXXX. Couldn't tell me if they received the fax XXXX. A combination of both. On XX/XX/XXXX, I filed a complaint Case # : XXXX. I received a standard boilerplate response that was a non answer and replied to that email without a response. I continued to update my forms and found a way to upload the file on their website in XX/XX/ 2024. They apparently did not receive this form and I was given the same reply about how they could not look it up or find it. Again in XXXX I submitted the form and this time on XX/XX/2024 I received an email stating " XXXX! Your PSLF/TEPSLF document was uploaded. '' I again submitted a complaint Case # : XXXX and still have not received a response to that. I received an email " Action needed for your PSLF/TEPSLF form '' on XX/XX/2024 - there was no information on the website. On XX/XX/2024 I received an email " Public Service Loan Forgiveness ( PSLF ) [ Case # : XXXX ] '' that noted my PSLF application had a status of " closed incomplete. '' There was no further information available on the website. I called again on XX/XX/2024 and was finally informed that they were not able to open my PSLF form or that it was not readable. So, I printed it, rescanned it and uploaded it again on XX/XX/2024 and received an email " Success! Your PSLF/TEPSLF document was uploaded. '' Again I called to follow up today XX/XX/2024 and was told they can not tell me if they have actually received this form, if there are any issues with opening/reading it. So again today I submitted the same form with the same response email " Success! Your PSLF/TEPSLF document was uploaded. ''
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15

USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines SYNCB PAYPAL CREDIT ACCOUT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Mortgage

I have been on the Making Home Affordable Program for the last 6 years. I have never had a late payment. Ditech misreported that I had a late payment XX/XX/2015. I did not. I made my payment on XXXX/XXXX/15 for more than the minimum required payment. 

As a result of them reporting this false information, I was told by one of their supervisors that I no longer qualify for the incentives available to me through the Making Home Affordable Program. Because of their error, I understand that over {$6000.00} in incentives have been revoked. 

I have called and spoken to supervisors, most recently XXXX and today, XXXX. I also spoke to a CSR named XXXX who said that a supervisor, XXXX would call me back and they never did. 

I discovered this issue XX/XX/XXXX and it took over 30 days to get a letter to have the late payment removed from my credit reports. 

Now, I find out that the falsely reported late payment is costing me a lot of money.
Product: Mortgage

I am writing this in regards to my home that is in a trial payment plan. We were given a payment plan in which we have kept the payments for four months. We are on the fifth and the sixth is the final payment. Recently, we heard from a third party that we need to be careful with Rushmore Loan Management because they cheat people. We are concerned that we have been making these payments only to be XXXX in the end. Our house is up for sale on the XXXX of XXXX. I am confused to why this is happening, even though we have been making payments? There should not be any type of sale going on for our home. We've also received multiple letters in the past about our home being postponed for foreclosure. This is also a problem/confusion. 

WE DO NOT WANT TO BE CHEATED! 

Its unbelievable to me how people can be cold-hearted during a pandemic and take someone's home from them and put them on the street. 

I would like CFPB to look into this and make sure that this is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts are reporting to all three credit bureaus and they do not belong to be, I have listed them below 1 ) XXXX XXXX XXXX XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$260.00} 2 ) XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$1800.00} 3 ) XXXX XXXX XXXX Account # XXXX Amount {$200.00} '' 4 ) XXXX XXXX XXXX XXXX Account # XXXX Amount {$160.00} 5 ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount {$130.00} XXXX ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount {$120.00} XXXX ) Collection Account # XXXX Amount {$43.00}
Product: Credit reporting or other personal consumer reports

Called the company about an hard inquiry and was told they can't removed it. I informed them I've never applied to their company. I was hung up on.
Product: Debt collection

I have mailed all 3 credit bureaus certified mail an affidavit for account validation on XX/XX/2023 and mailed all 9 collection agencies below an affidavit for validation on XX/XX/2023 I asked them to provide documentation and write me back to mailing address about how I am the the debtor and show me all documentation as well as how they proceeded to verify this informations via certified mail, only 2 accounts got deleted and all the other accounts just continued to say they verified it was me and did not even contact me via letter through mail, they did it through XXXX and said they verified the debt without showing me any information or documentation on how they verified me as the debtor, I included copies of my social my license and an irs identity theft affidavit to each bureau and each collection agency and demanded paperwork or any kind of proof to show me how they verified the information and they couldnt even do that, these companies are not complying with the law and my rights nor is the credit bureaus, they decided to reach back out to me online through XXXX and just say it was validated and verified with no documentation and no mail back to my address, I have been demanding them to show me documents and how they verified me and they will not answer me nor show me any evidence of how they verified anything, I know my rights and I know that they are in the wrong by furnishing these accounts to the credit bureaus because these are not my accounts or my debt, they continue to Harass me and call me but wont do there job after I sent them certified affidavit letters of account validation, they continue to just say these debts are verified With no documentation when Im asking them thoroughly that they show me all the documents and how they proceeded to verify these accounts are mine, please help me because I am not only trying to repair my credit and do things the right and legal way and they continue to do illegal activities and not give me any type of explanation or documentation. CAPITAL ONE ( XXXX ) I have attached just the XXXX credit bureau affidavit but I did send the same affidavits to XXXX and XXXX, I am also attaching what capital sent me back via by mail with no documentation at all, Just simply says they verified the debt when I specifically asked for all the documentation and documents to show me how I am the responsible debtor, I also attached and irs fraud affidavit that I sent to the irs to them as well and capital one sent me 2 letters with no evidence or documentation as asked.