23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After Hurricane Irma hit Florida, my mortgage servicer Home Point Financial offered me a three month deferment on my loan to allow me to ensure sufficient finances were available for any home repairs that were needed. This period covered my XXXX - XXXX payments. In XXXX, I was contacted with an offer to roll up the three payments in deferment into a loan modification which I accepted. The terms were I would make three trial payments covering the XXXX - XX/XX/2018 payment, then a loan modification would be put in place. I made each payment. In XXXX I was told I had been successful and the process began. In XXXX Home Point Financial accidentally reported me three months past due and while they fixed it, the resulting error led to several of my credit cards dropping my balance by a total of approximately {$8000.00}. In XXXX I was sent and returned the loan modification documents and this was accepted. Then in XXXX my loan was transferred from between two Home Point Financial related company 's and in the process, one of my previous payments from XXXX - XXXX was removed from my loan modification profile meaning as of XX/XX/XXXX, instead of being up to date on payments, I'm now showing a month behind. I spoke to a Loan Modification Officer at the beginning of XXXX who told me not to worry and it would be addressed. Furthermore, on XX/XX/XXXX, an unauthorized attempt to debt my account occurred leading to fees being assessed on my Home Point Financial Loan. I called into Home Point Financial on XX/XX/XXXX and was told I had authorized the debt for the payment which I have not.
Product: Credit reporting or other personal consumer reports

The information reported on my consumer report is not accurate, complete, true and accurate. Reporting such information is misleading and a direct violation under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have made several attempts Im trying to get these fraudulent accounts off of my credit report. I have never even applied for credit anywhere. I didnt push as hard as I should have push to get them off however, I just had a baby and now my future is more important to me. I am asking that you really take a serious look really really do some serious investigation in these portal in accounts because they are definitely not mine, which includesXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Even though this one is a XXXX balance, it still does not belong to me, XXXX This one also has a XXXX balance, but it also does not belong to me I am really trying to get my life together and this I mean these fraudulent accounts are really holding me back and I am in dire need of help
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX, and the information listed below, which appears on my credit report, is a result of that XXXX. 

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

Accounts to Be Blocked : 1. XXXX XXXX ( Account number : XXXX ) 2. XXXX XXXX  ( Account number : XXXX ) 3. XXXX XXXX ( Account number : XXXX ) 4. XXXX XXXX XXXX ( Account number : XXXX ) Inquiries to Be Blocked : XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year>XXXX  ) Thank you for your prompt attention to this matter. Please find my proof of identity and XXXX  documentation enclosed. 

Sincerely, XXXX XXXX Enclosures : Proof of identity Trafficking documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with these credit reporting companies 7 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX  and Experian demanding for the rightful deletion by law. I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by  XXXX  because it was deemed fraudulent. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies. This is not a debt validation or account validation request. THIS IS A FINAL notice to delete the account that has been verified and validated fraudulent by the FTC. See attached reports cerifying ID Theft and specific account in question that SHOULD NOT be reporting in   XXXX   and Experian.     I am attaching my Official FTC ID Theft Report certifying the account is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act.The list includes f the accounts below has violated my federally protected consumer rights privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. U.S.C. 1681 section 602 A. Staes I have the right to privacy.

15. U.S.C. 1681 section 604 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

15. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act - XXXX XXXX XXXX Acct # XXXX - Experian XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I noticed some errors in my credit report during my review. The late payments listed are not consistent with my payment history. I request that these inaccuracies be corrected and my account updated accordingly.
Product: Mortgage

Planet Home Lending began servicing our mortgage in XX/XX/XXXX. The company offered budget payments ( bimonthly ). This seemed like a good idea since it would provide us more funds at the beginning of the month. In XX/XX/XXXX, the company mailed me a letter with the form to complete. On XX/XX/XXXX, I faxed the completed form and voided check to the company from the local XXXX store. The letter dated XX/XX/XXXX stated that I would be notified of the date the budget payment plan would take effect. The letter did state that the mortgage must be current, which it was, and to include a payment with the budget drafting setup form. I paid the XX/XX/XXXX payment online as I always do. It was withdrawn from our checking account on XX/XX/XXXX. Since the mortgage was current ( and has always been ) and the XXXX payment made, I awaited a letter to inform me of the effective date. 
On XX/XX/XXXX, I went to the store to purchase groceries and my account was overdrawn due to a {$1100.00} withdrawal from Planet Home Lending. I had not received notification that the withdrawal was to begin. I received two letters in the mail on Friday, XX/XX/XXXX, from Planet Home Lending notifying us that the payment would be drafted on XX/XX/XXXX in the amount of {$1100.00}. I called the mortgage company because this would result in them receiving TWO full payments in XXXX to the tune of over {$4400.00}. They said I should seen this information in the application provided. The application did not contain any information that the budget program would start immediately and take a full mortgage payment out after you had already made a mortgage payment that month. The representative said that payments are scheduled ahead of time every 14 days and drafted on XXXX. She would not refund the amount withdrawn. Before I completed and returned the budget pay forms, I read the information they provided and even checked their website for more information about how the program would work. There was no information provided. This is unbelievable that a mortgage servicing company can do this to people. Luckily, it will not bankrupt us, but it does cause a hardship when I make two mortgage payments in one month without my consent and without the company informing me. 
The letter received on XX/XX/XXXX to inform me that the draft would start on XX/XX/XXXX was dated XX/XX/XXXX. It was mailed on XX/XX/XXXX as is evidenced by the XXXX XXXX meter stamp. I have all the documents including the original form I completed and faxed to Planet Home Lending, the XX/XX/XXXX letter, the XXXX XX/XX/XXXX letters along with the envelope that is postmarked. Also, I have Informed Delivery from the USPS. I have saved and printed the email showing the arrival of the two letters from Planet Home Lending today.
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 Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Equifax disputing 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 : Timely Payments Made : I submitted my payments and prior payments on the due dates, with confirmations showing the payments were processed before the due dates. 
Clerical or XXXX XXXX : There appears to have been a clerical error or delay in processing my payments on XXXX 's side, which resulted in the account being marked as XXXX and XXXX days late. Despite providing bank statements and payment confirmations as evidence, this incorrect late payment entry remains on my report. 
No Notification Received : I never received any notices or warnings from XXXX regarding these supposed late payments. This lack of communication further supports the claim that the late payment entries are erroneous and should be removed. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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 credit score 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
Product: Credit reporting or other personal consumer reports

The FCRA is pretty clear in its language when it states that consumer reports can only be released with the written consent of the consumer and that consumers have the right to privacy. The FCRA also states that a consumer has the right to have privacy and that inaccurate information and unauthorized credit checks harm consumers. There is no room for misinterpretation of the FCRA, yet Experian decides to blatantly disregard the law because they clearly believe consumers are stupid and will not enforce their rights. Upon receiving my XX/XX/XXXX Experian report # XXXX in the mail, I am still seeing various inaccurate accounts that I asked Experian to validate via Sections 609 and 611 of the FCRA . At the end of the report on page 13, I was further shocked and harmed to see a plethora of unauthorized " soft inquiries ''. Page 13 is attached as a JPG. 

Furthermore, a security freeze was placed on my consumer file on or about XX/XX/XXXX as I was impacted by identity theft. However some of these unauthorized checks occurred after the security freeze. 

I am requesting the copies of the written consents Experian should have received from me or from the companies for the following inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX, XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus have statements of serious delinquency however there is no evidence on my report that supports this statement. I have no missed payments reported on any account in over two calendar years. 

This statement has lead to multiple denials. Additionally, I have asked for erroneous inquiries to be removed from my credit. I have asked both the credit reporting companies and the companies with who the inquiry was made. My personal information has been compromised through XX/XX/XXXX data breach and stolen identity. yet my credit is constantly running without any alert of this or calls
Product: Credit reporting or other personal consumer reports

As a victim of Equifax data breach and upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are mine and negatively impacted. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this information from my credit file upon receipt of notice and supporting documentation. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all fraudulent negative and critical accounts. 
Accounts to be removed and blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was also refused credit by the lenders listed below. Adverse action against a consumer is prohibited by 15 USC 1691c and 15 USC XXXX and is punishable by civil liability. These businesses are in violation of 15 USC 1691 because I have proof that I was the victim of discrimination due to the reaction I received. My social Security ( my credit card ) was used but I received nothing in return. Please remove the and incorrect personal information from my consumer report. 
Personal Information information to be removed and blocked : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employment Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To facilitate your investigation, I am providing the following documents : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g. You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and XXXX. 
Let me remind you that any negative accounts/remarks on my credit report are illegal under the FCRA and FDCPA if you can not provide evidence to support them. I never gave my official consent for this information to be disclosed. You must block and remove these accounts off my credit report if you can't give detailed documentation about your validation, verification, and compliance procedures. 
Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Equifax. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report. 

Pursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity. 

Immediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. 

Written confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. 

The FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Equifax will handle this matter with due diligence and compliance with federal regulations. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. 

If the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. 

The consumer must be informed of the results of the reinvestigation within the required timeframe. 

Failure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.
Product: Bank account or service

SunTrust has now processed XXXX checks from a business located in XXXX through my personal checking account in XXXX Florida. They were made aware of the situation in XXXX and did nothing to protect my account. It happened again in XXXX ( twice within a couple of days ). No one can say what happened as the source of the error. They supposedly put a block on my account for any checks greater than the # XXXX but that did not prevent the situation from happening a XXXX time last Saturday. Their comments have included well the other account number is similar to yours and we can not tell when or where this transaction took place. Someone was supposed to have called me yesterday with an update regarding the safety of my account and I received NO phone call with regards to the ongoing negligence of SunTrust. Since no one can pinpoint what the problem is or why it keeps happening clearly my money is not safe with SunTrust. I have been a customer with them for over 18 years and now this. There is no way checks from the same company should continue to be processed through my personal account. Luckily I do not live paycheck to paycheck as the amounts of the checks approximately {$880.00}, {$470.00}, {$650.00} and {$740.00} could have been a huge problem for me. This could have caused a huge burden for me financially and SunTrust has not interest in researching the issue to prevent this from ever happening again. Not to mention they charged me a stop payment fee for a check that was not mine that they processed through my account. Something very wrong is going on at SunTrust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My Date of birth is XX/XX/1967. 
I have addresses on my report that do not belong to me and are not mine. They are inaccurate. Please remove delete that following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX