23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I reached out to Capital One pertaining to a late payment that is showing up on my credit report for XX/XX/2023. At first I was told that I should not have anything showing late because I was never 30 days late and I should see that falling off within 30 days. So, I waited. I called back again to confirm that information I was given and this time the representative stated i had been 30 days late back in XX/XX/2023. I told her what was going on in that month as far as getting our nephew out of XXXX XXXX, me having to cut hours at work due to not expecting a toddler to show up at our door steps and then on top of that we had planned a wedding that was in XXXX, so I was not going to deny I could have fell behind. The representative informed me to write a goodwill letter and gave me all the information to put on it such a acct number, social, and a detailed explanation on why I was late. She even gave me a PO in XXXX XXXX XXXX to send it to. A few weeks went by and I had not heard anything regarding the decision for this to be removed off my report so, I reached out to capital one again. To my surprise they had no idea what I was talking about. The lady I spoke to this time around had never heard of a good will letter, but was familiar with the address I was given to send it to. This representative spent over 30 min trying to get me to the right department to see how I could get some help, and i finally got to the department that I thought would be able to assist. She spent less than a min on the phone with me and stated you don't qualify for this to be removed or for you to be able to pay the late fees to get it removed. I asked why and her exact words were " you just don't '' I am pretty sure all conversations are recorded, I got off that call defeated because i really work hard on my credit and to pay my bills on time and I have never been late before or after that event, and to be given the run around like that was truly disappointing. I don't know if anything can be done, but i still wanted to express my experience with capital one customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of refinancing my mortgage. I have reached out to 3 different lenders to rate shop. Based on the CFPB website, it is my understanding that all hard credit pulls related to mortgage shopping within a 45 day window of the first pull are counted at 1 pull for scoring purposes. However, I spoke with XXXX XXXX at TransUnion this morning who informed me that TransUnion uses a 14 day window. I had hard pulls for my mortgage on both XXXX and XX/XX/XXXX, more than 14 days apart but less than 45 days apart. TransUnion 's assessment has negatively and unfairly impacted my score with 2 hard pulls when it should not have. I would like for them to correct this error but am told they will not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Amount : {$8100.00}, The Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Amount : {$280.00}, The Creditor : XXXX XXXX XXXX XXXX  ( Medical Payment ) has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Amount : {$240.00}, The Creditor : XXXX XXXX XXXX ( Medical Payment ) 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: Debt collection

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Midland Funding LLC has been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WOULD LIKE TO REQUEST A SECURITY FREEZE AND A PIN NUMBER BLOCK FOR ALL MY CREDIT FILE TO DUE SOME FRAUDULENT ACTIVITIES. I HAVE ALREADY FILED A COMPLAINT. MY CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX MY DOB XX/XX/XXXX SS # XXXX. THIS CAN BE VARIFIED WITH THE XXXX XXXX XXXX. 
THE FOLLOWING FRAUDULENT ADDRESSES NEED TO BE DELETED : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX CT XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX
Product: Mortgage

Hello, My mortgage was transferred to Mr. Cooper from XXXX XXXX. Upon closing, I had an homeowners insurance through XXXX XXXX and have continued to hold this insurance since then. When my mortgage was purchased by Mr. Cooper, they did not transfer my policy over. In XXXXXXXX XXXX, I noted that my mortgage payment suddenly increased by over {$500.00} per/month. So! I called. They told me it was because my escrow account was not adjusted correctly for the increase in property taxes. I didn't think that could be correct so I looked into it more. Come to find out, they purchased a homeowners policy on my behalf and then began charging me monthly. I have been working to correct this issue for months and continue to be charged and told my documents could not be processed. Last time that I was on the phone with Mr. Cooper, I had them call my XXXX XXXX agent so they could directly transfer my proof of insurance documents. When I asked about how they plan to refund me the funds that I have been charged from my XXXX statement through now, they offered {$900.00}. They owe my nearly XXXX at this point. I have done nothing wrong and had all of my ducks in the row. This is their mistake that I continue to pay for and fight to have corrected. This is NOT okay. My XXXX mortgage was paid yesterday, I am STILL being charged. Even though I was told the error was corrected on my last call with them and today I also received another email saying that my documents could not be processed. As a XXXX XXXX XXXX XXXX XXXX XXXX.. I do not have time to deal with this nor do I have the money to continue to pay for XXXX insurance policies. Please help! 

Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Product: Credit reporting or other personal consumer reports

I will continue to dispute this fraudulent information until you delete or I will see you in court ... ..I have ask that you verify and validate the Bankruptcy and to name the individual that you received the information from ... ..electronic systems make mistakes everyday!! you keep responding with the same BS answer saying you verified the bankruptcy through an electronic system " PACER '' which is known to make mistakes that is not sufficient ... .I want to know who ( the human person ) who without any doubt knows this is accurate and true!! otherwise this is aggravated IDENTITY THEFT!! In an effort to resolve the consumers concerns, LexisNexis initiated a dispute of bankruptcy record case number XXXX on the consumers behalf. During our investigation, LexisNexis verified that bankruptcy record case number XXXX is accurately associated with the consumers identity and reflects an accurate case status in the consumers consumer reports prepared by LexisNexis. The address originally filed on the full bankruptcy docket XXXX XXXX XXXX, XXXX GA XXXX, obtained from Public Access to Court Electronic Records ( PACER ), is an address that has been reported to LexisNexis with the consumers full social security number by the nationwide consumer reporting agencies. The address along with the last four digits of the social security number listed on the full bankruptcy docket also matches the current address and last four digits of the full social security number we have on file for the consumer. ( who gave you this information????? ) THIS IS NOT VALIDATION..LexisNexis can not legally " validate '' a bankruptcy, meaning they can not definitively confirm the accuracy of bankruptcy information on their reports without independently verifying it through official court records, as they primarily pull data from public sources and do not have direct access to bankruptcy court filings. So using PACER is not sufficient and I demand you DELETE this as I have told you repeatedly I XXXX XXXX HAVE NOT FILED FOR BANKRUPTCY!!!!!! 
15 U.S. Code 1681b - Permissible purposes of consumer reports MY RIGHTS HAVE BEEN VIOLATED, YOU PROVIDED FALSE INFORMATION ABOUT ME TO ALL 3 CREDIT REPORTING AGENCIES!!
Product: Student loan

My loan lender is making it impossible to pay off my student loans before interest resumed. 

I made several online payments that did not go through. My bank said the issue was not on their end. Ed Financial could not provide me with an explanation as to why the payments were not working online.

I wanted to pay the balance off before the interest resumed. So I mailed a cashiers check. The check included my full name, account number, and social security number. The check was chased according to my Bank by Ed Financial on XX/XX/2023 and as of XX/XX/2023 the check still has not been applied to my account. 

I reached out to Ed financial and they claim they lost the check and can not find it. I sent them a copy of the cashed check. They still will not apply it to my account balance.

My loan is now incurring interest after 2 months of trying over and over again to pay it off. They still can not find the check that they cashed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I KNOW XXXX XXXX XXXX AND ALL THE CREDIT REPORTING AGENCIES DONT CARE ABOUT CONSUMERS, BUT I NEED SOMEONE TO HELP ME. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL REQUIRED INFORMATION TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT PROFILE, THE CHARGES THE PAYMENTS AND THE ACCOUNT ARE FRAUDULENT. AT THIS POINT I AM THINKING THAT THIS IS SOME KIND OF A SCAM, IETHER THE CREDIT REPORTING AGENCIES OR THE XXXX  XXXX XXXX IS SELLING MY INFORMATION TO THE THIEF.
Product: Debt collection

I received a notice from Wakefield & Associates in regards to an account with XXXX XXXX XXXX. First, I have never heard of XXXX XXXX, nor do I know what this is in regards to. This letter ( also included with this complaint as Document 1 ) does not state what product or services were given ; only information is a date and amount. At this point I can not properly dispute what this is in regards to or ask the right questions to determine how this should be disputed. I would also like to point out that there is an interest owed section in this letter. Why would I want to pay interest on an account that I was never notified existed, and has taken over 25 months for someone to contact me about it. 
There are a few basic questions I can ask at this time ; but depending on the answers, further escalation with the CFPB may be required.

1. What products or services were given on the service dates mentioned?

2. If these were medical services, was financial aid available if requested?

3. What method of contact was used to notify about this account? Written letters ( statement and mailing dates needed )? Phone calls ( date/time needed, what number was called, was voice message left )? Was email sent ( what email address was it sent to, what domain did it originate from )?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the LVNV FUNDING LLC still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

LVNV FUNDING LLC XXXX Balance {$650.00} ;
Product: Debt collection

Portfolio Recovery Service has not yet deleted two collection accounts that are past the Statue of Limitation in the State of Texas, where I reside. I closed the original accounts more than XXXX  years ago. Attached documents show that these inaccuracies were supposed to be deleted from all my credit files by XX/XX/year>. It is past XX/XX/year>.
Product: Vehicle loan or lease

I purchased a car from a dealer and obtained financing from foresight capital LLC. The car was involved in an accident a week or so after purchase and was declared a total loss. My insurance agency has been trying to pay the car off but foresight capital llc can not and will not produce a title. The situation has caused me major hardship because foresight capital llc continues to report negative information to my credit report which has resulted in loss of my job, i haven't been able to obtain traditional financing and my bank account is overdrafted due to fees from foresight capital llc trying to draft the car payment every month for a car that they obviously do not own.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Someone I know has stolen my identity and gotten multi properties in my name for a number of years illegally resulting me in almost {$20000.00} in debt.
Product: Debt collection

I have been experiencing a tremendous amount of identity fraud/debt over the past year. Every other month Im getting a random debt collection for a charge off amount on a credit line that was opened within the past 6 or so months that I obviously have no knowledge of. This most recent debt just showed up on my credit this past weekend but was opened up in XXXX of 2017. For amount of {$910.00} for a XXXX XXXX XXXX card. Debt collection company is XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

XXXX processed my payment incorrrectly and gave me miss leading information. Did not have the answers to my question. When i asked when my next due day was i was given wrong information. Which lead me to over pay and stay in default longer than necessary. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

The account in question has been paid and the debt settled prior to the purchase of my first home in XXXX. Since then this company has continued to file fraudulently on my credit report every few years demanding payment of this settled debt. Every time I have disputed this debt and it has been removed from my credit report. Now I am being contacted by a third party on behalf on HSBC bank attempting to sue for this settled debt from 17 years ago in XXXX ( date of when the account was closed ).
Product: Credit reporting or other personal consumer reports

PLEASE SEE THE ATTACHED DOCUMENTATION FOR THIS MATTER. THE ACCOUNTS LISTED IN THE DOCUMENTATION ARE EXPECTED TO BE PERMANENTLY DELETED WITH NO FURTHER OBLIGATION OR ACTION. THESE AGENCIES HAVE COMMITTED FRAUD BY REPORTING INACCURATING INFORMATION TO MY CREDIT PROFILE AND DAMAGING MY REPUTATION AS A CONSUMER. IN THE NEAR FUTURE I PLAN TO PROCEED WITH THE LITIGATION PROCESS ALREADY IN PLACE IN ORDER TO ENSURE AND ENFORCE ACCURATE CREDIT REPORTING FOR ALL CONSUMERS.

ALSO ... ..I HAVE REVIEWED A COPY OF MY CREDIT REPORT AND THERE IS MULTIPLE HARD INQUIRIES THAT I HAVE NOT AUTHORIZED WITH ANY AGENCY. I HAVE CONTACTED EACH COMPANY WHO FAILED TO PROVIDE ANY ORIGINAL WET INK SIGNATURE CONTRACT ACCORDING TO SECTION 609A OF THE FAIR CREDIT REPORTING ACT. I AM REQUESTING THAT THE FOLLOWING INFORMATION BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. FAILURE TO DELETE WILL RESULT IN A LAWSUIT AGAINST EACH AGENCY REPORTING FRAUDULENT INFORMATION TO MY CREDIT PROFILE. SECTION 605B OF THE FCRA REQUIRES THIS INFORMATION TO BE PERMANENTLY DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION.

THE FOLLOWING HARD INQUIRIES ARE UNAUTHORIZED : XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry date I WILL FOLLOW UP WITH EACH AGENCY TO ENSURE THAT THIS MATTER IS TAKEN CARE OF WITHIN 4 BUSINESS DAYS.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Correction of Fraudulent Credit Reporting Practices by Experian Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally file a complaint against Experian for its failure to conduct proper investigations into disputes I have filed concerning inaccuracies on my credit report. This failure violates the Fair Credit Reporting Act ( FCRA ), leading to the continued inclusion of incorrect information on my credit report. 

Background I have filed disputes with Experian over eight times regarding multiple inaccurate accounts on my credit file. Despite these efforts, Experian has conducted what I believe to be sham investigations, failing to properly review and resolve these disputes as required under federal law. The CFPB has previously alleged that Experian does not take sufficient steps to properly process, investigate, and notify consumers about their disputes, resulting in the inclusion of false and harmful information on consumer credit reports. 

Fraud Reports and Previous Actions To support my case, I have submitted fraud reports to the Federal Trade Commission via IdentityTheft.gov. The relevant FTC Report Numbers are : XXXX XXXX XXXX Additionally, I filed a new complaint with the CFPB on XX/XX/year>, with Complaint ID : XXXX. 

Impact of Inaccurate Reporting Experian 's failure to conduct lawful investigations has resulted in continued harm to my creditworthiness, threatening my access to essential credit services. Accurate reporting is crucial, and Experian 's actions constitute fraud by knowingly including outdated or false information. 

Accounts in Question I am requesting the removal of the following outdated and inaccurate accounts from my credit file immediately : XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XX/XX/XXXX( Account Number : XXXX ) XXXX XX/XX/XXXX( Account Number : XXXX ) XX/XX/XXXX XXXX ( Account Number : XXXX ) XX/XX/XXXX ( Account Number : XXXX )XX/XX/XXXXAccount Number : XXXX ) XX/XX/XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XX/XX/XXXX ( Account Number : XXXX ) Account : XXXX XX/XX/XXXXXXXX ( XXXX ) XXXX XXXX XXXX Request for Immediate Action I respectfully request that the CFPB take swift action to investigate Experians failure to comply with its obligations under the FCRA and ensure the immediate removal of the inaccurate information listed above. I also request that Experian be held accountable for its pattern of disregarding consumer protection laws. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your investigation and resolution. 

Sincerely, XXXX XXXX, XXXX. 
Address : XXXX XXXX XXXX XXXX, XXXX, SC XXXX Phone : XXXX