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

I XXXX XXXX have been trying to work with all three credit bureaus to correct inaccurate information on my credit report for the last 6 months. After consulting an attorney and reading parts of the fair credit reporting act I found out that all three bureaus have broken the law and are in violation of several inaccuracies that are being reported on my credit report. 

The first one is that it has now been way past 6 months and they have not at all tried to correct any errors that I have disputed on my report at all! Also I read that they must temporarily delete any of the items disputed that I have disputed during the investigation and all three of the bureaus never did that in the last six months! 

Also I read the permissible purpose section of the fair credit reporting act and it clearly states that a consumer like myself must first give them permission to furnish anything on my report. Well I never once gave them permission to report any of the disputed accounts. And those accounts have never been verified the proper way like it says it should be per federal law! By investigation my relatives and neighbors and mode of living! 

I believe that these violations are sufficient enough for everything disputed to be taken off of my report or civil action may be necessary. I ask that you please help me enforce my rights as a consumer as well as enforce the three bureaus to follow federal law along with their own policies. Thank you.
Product: Debt collection

XXXX closed the account for XXXX dollars on XXXX XXXX and sold to Lvnv Funding Llc for XXXX dollars opened on XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an account with XXXX as a charge off and negative. This account was paid in full and XXXX agreed to delete the account from all credit reporting agencies. The account only remains on my Equifax report. They refuse to delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX is inaccurately reporting derogatory status to the credit bureaus. On my XXXX and XXXX XXXX reports they are reporting 30 day late payments on XX/XX/16, XX/XX/16 and XX/XX/16. To Experian they are only reporting 30 days late on XX/XX/16. Pursuant to FCRA 623 ( a ) ( 8 ) ( D ), a creditor is to accurately report to all 3 credit bureaus. XXXX XXXX has failed to do so
Product: Student loan

I sent a message on the Mohela portal on XXXX and XXXX of 2024 requesting 3 months of payment history from XXXX through XXXX 2024. I need this information as I get a reimbursement from my XXXX XXXX I work with. Since I do not make much money, and the company only reimburses quarterly, I need these statements ASAP. Despite these messages, Mohela only responded that it would take 60-90 days for my payment history to transition from the old system to the new platform. This is unacceptable. My account has already transferred and I was able to make a new payment on the account. However, Mohela refuses to give me this simple information. This is not fair. I need this money. I need help ASAP. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of XXXX XXXX and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the XXXX XXXX XXXX XXXX to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert about an unauthorized inquiry on My Equifax Credit Report From XXXX XXXX XXXX XXXX Dated XX/XX/2020 ... This is an fraudulent attempt.
Product: Credit reporting or other personal consumer reports

In accordance with the Faith Credit Reporting. Everything has to be 100 % accurate in my report. The credit bureau stated that my account was properly investigated but how is that possible if the open date is inaccurate, and date last reported is inaccurate, among other things that has been highlighted and circled I have included. This is grounds for removal because it violates my rights. 

Under 1561 U. S.C. Section 602 A. States I have the right to pricacy.

1561 U. S. C. Section 604 section 2 states a consumer reporting agency can not furnish my account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFBP Representative I am reaching you because my home Lender reported to the credit bureau a delinquent payment on XX/XX/2018 on my credit report and we had an agreement to split payments {$950.00} on XXXX and the rest in XX/XX/2018. 

However, my home lender reported delinquent 30 days the full amount of {$1300.00} to my credit report and this is not true, and this really affected me on my actual Work and personal life, furthermore we had an agreement for split XXXX payment. 

I consider a problem to my personal life. I never missed any payment in my hole credit history, and this a delinquent notice that will affect my credit for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Experian on ( XXXX ) challenging the reporting and compliance on multiple accounts that are being reported on my credit report with incorrect information. This is against the Fair Credit Reporting Act section 609 ( a ) ( 1 ) which states that CRAs, including major credit bureaus such as XXXX XXXX, " shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer. All information in the consumer 's file at the time of the request '' ( emphasis added ). If the " information in the consumer 's file at the time of the request '' includes account and social security numbers, the provision thus normally requires that the CRA " clearly and accurately '' include such items in its disclosure to consumers. However, because the trigger for a file disclosure is a " request '' by a consumer, a CRA may allow consumers ( such as the individual in your letter ) to choose truncation or other security measures in their own file disclosure. In other words, although Section 609 provides consumers with a right to all information in the file, a CRA may provide a method for the consumer to ask for less than all information and then comply with that " request '' when it makes the disclosure. 
This basically states that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. This is effecting 15 accounts : XXXX XXXX ( XXXX ), ( XXXX ) XXXX ( XXXX ) XXXX 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 received a response letter XXXX stating that these accounts have been verified as accurate and updated. Which again is impossible due to the account numbers containing " X 's ''. If in fact they verified these, then the correct account numbers should be listed. Since they were not updated, these accounts are not valid.
Product: Credit reporting or other personal consumer reports

Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, XXXX received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX XXXXXXXX XXXX XXXX The account information is being reported inaccurately on my report. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


XXXX XXXXXXXX XXXX XXXXXXXX The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. 

XXXX XXXXXXXX XXXX  XXXX The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. 

XXXX, XXXXXXXX XXXX XXXXXXXX The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized.

However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees.

This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX  was paid in full. I provided that information to Experian, XXXX  and XXXX. The information on my credit report still reports that I have an outstanding balance and use 165 % of credit for that account. I need the account repaired! That error has kept me from making a major purchase. 

On XX/XX/XXXX I reported the sale of my XXXX XXXX to Experian, XXXX, and XXXX. To date the XXXX XXXX account has not been updated to reflect said sale. 

The unfair credit reporting practices has caused hardship on me and my family. We do not have transportation because I can not secure an auto loan based on the information inaccurately reported in a timely manor. 

Attached is the proof that I paid off XXXX XXXX  and paid off XXXX XXXX. Can someone help me fix this issue.
Product: Mortgage

I submitted a request on XX/XX/XXXX for a standalone partial claim due to my payments being in forebearance during the pandemic. Carrington sent confirmation that my request was received and that they would contact me by mail within 10 days on the processing of my request. I never received any correspondence about my standalone partial claim request as promised in the confirmation that I received. I received a notification stating that my forebearance was extended another 30 days and I did not request additional time in forebearance. I have made some payments while in forebearance but still no answers. I called and spoke to a representative on XX/XX/XXXX to check the status of my request and the representative was not aware that I had submitted a standalone partial claim request until I told her. She told me that paperwork would be arriving for me to sign within a few days and it never arrived. She encourage me to continue making payments.
Product: Mortgage

I setup the escrow account when I bought home in XXXX. After one year later, my first mortgage company sold my mortgage package to a new company named DOVENMUEHLE mortgage from XX/XX/XXXX. From XXXX to XXXX, they paid all tax just on time ( three separated bills ). But at the end of XXXX, they refused to pay my mud tax even my mud tax department send them the bills three times. So my mud tax department directly bill to my home. I called the Dovenmuehle mortgage first time, they said they will take care of everything and let me no worry about it. But after two weeks later, when I called them back, they said they refused to pay it because they only pay the county tax. I told them my tax was separated into two bills by the county and you have to pay separately. 

Then I called them the third time, another lady promised me to pay the bill soon and they want me to send them the scan of the delinquent bill, I sent them bill several times. But after two weeks when I called them back, they said they can not pay the mud tax because they only pay the county tax.

So I setup an conference call between my mud department and my mortgage company to explain the bill to my mortgage company. My mortgage company again to promised to pay the mud tax in a month. But when I checked it at the end of that month. They sent the check to the wrong address. Actually, they have all correct information on delinquent bill. 

Today I called them again to ask why my mud bill still due for the payment. They said they removed my case, I asked them why? They first even didn't know that happened, but after I was yelling to them, they finally explained to me, the check was refused. So I told them please check the correct address on the delinquent bill. Hopefully, this time they will pay it. 

I asked all my friends and some other mortgage companies. They all said the separated bill is so normal in the escrow account. I totally don't understand why this company don't have this even common sense. 

I called my mortgage company from XX/XX/XXXX to the end of XX/XX/XXXX more than XXXX times and I was so disappointed with this mortgage company. But so far, they still didn't pay the bill.
Product: Credit card

Someone stole my Citibank Double-Cash Credit card Number and information and used it to make numerous charges on XX/XX/2023. I was given a text alert and immediately called Citi within the hour and confirmed to them I DID NOT authorize those charges. I had the credit card closed out and issued a new card within 3 days. I followed up through out the days calling Citi Customer service and their Dispute Operations to explain I did not authorize the charges. On XX/XX/2023 Citi credited my account balance of the charges and my XXXX and XXXX Statements were showing the correct balance I owed. I pay my account balance on the XXXX of every month and receive an email from Citi showing {$0.00} balance upon payment. Then all of a sudden on XX/XX/2023 one of the charges ( {$720.00} ) I did not authorize appeared back on my credit card balance. I have been calling Citi customer service and Citi Dispute Operations to dispute this charge of {$720.00} but nobody at Citi is listening to me or correcting my account balance of the fraudulent charge! I am not responsible for this fraudulent charge. Citi has not resolved my complaint and credit my account balance of this charge I did not authorize way back on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

New Dispute Letter Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX SSN : XXXX Date : XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX The personal information is incorrect - please remove this from my credit report immediately Accounts XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Inquiries XXXX. XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This inquiry was not authorized, please remove it from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i submitted a dispute to Transunion and XXXX  disagreeing with the validity of a bankruptcy on my account. I sent letters and have not received any notice of any findings with in thirty days which is a violation of the fair credit reporting act.

The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. what i used to dispute this information on my report
Product: Credit card

my credit card payment was due on XX/XX/XXXX and I made the payment with my debit card online. 
The credit card company didn't process the payment until XX/XX/XXXX and charged me a late fee of XXXX I called and they finally agreed to take off the late fee. 
I want other people to know that they should read their credit card statements bc this seems to be a common problem OR TRICK used by these people!
Product: Mortgage

XX/XX/XXXX XXXX received letter cancelling auction on XX/XX/2022 XX/XX/2022 - was told that on that date Carrington communicated with their lawyer to proceed with auction XX/XX/2022 - received conditional short sale approval. Spoke with Carrington Mortgage. Company to return call with instructions. Spoke with XXXX who is in the closing department not the short sale. 

XX/XX/2022 - Mortgage company attorney XXXX  ( XXXX XXXX ) went into court ( XXXX XXXX ) and had judge approve auction for XX/XX/2022. Homeowners ( XXXX XXXX & XXXX XXXX ) were NOT aware of this date but Carrington attorney states we were and proceeded with getting Judge approval. 

Why did mortgage company proceed with auction on XX/XX/2022 but approved conditional short sale on XX/XX/2022. When calling mortgage company they continued to say it was a mistake. Home was auctioned today and we will be going to court to file an appearance and motion to vacate sale of home to proceed with short sale as agreed on XX/XX/2022 verbally on a recorded line with Carrington Mortgage We never received any documentation regarding the auction on XX/XX/2022 which coincides with not being made aware of court on XX/XX/2022. Last court date we had in XXXX we had 90 days to do as we which. We completed a XXXX and that resulted in the Short Sale Approvel which was confirmed and accepted on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I request the deletion of this inaccurate account from my credit report. I did not consent to its creation or usage. Enclosed are the necessary documents to support my claim.
Product: Money transfer, virtual currency, or money service

The money transfer got cancelled last minute for no specific and valid reason. Refund will take 7 days. Western Union should not have charged my card if they already know that they will cancel the transfer.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any ITEMS which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these ITEMS. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXXXXXX, XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$8700.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed XXXX {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Cfpb XXXX Credit Bureaus ; XXXX XXXX! I have actually been trying to reach out to the CRA 's for the last 6-8 months to attempt to remove/delete unknown, not-required previous or old addresses from my credit report, but for some reason, I'm unable to get any results or responses from them ;, XXXX, Equifax, and XXXX. I've mentioned and listed the addresses that I need to be removed from my credit report. Honestly, the only address that should be listed in my current address. Anything else needs to be removed ; for example, i need the following removed : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX, CT XXXX.