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

I have an unauthorized credit inquiry on my credit report from 700 Credit. This unauthorized credit pull is a serious violation of my privacy and has negatively impacted my credit score. I have not applied for any credit or services that would warrant such an inquiry, nor have I given permission for my credit report to be accessed by 700 CreditXXXX XXXX XXXX I have tried contacting them on XX/XX/XXXX, however the company never responded to the letter I sent.
Product: Mortgage

In XXXX 2015 my mortgage account was sold from XXXX XXXX XXXX XXXX Carrington Mortgage Services ( CMS ) without my consent. CMS sent me documents that instructed me how to make payments on their website but they were poorly written so it was difficult to do so. I finally figured out how to make payments, to find that CMS did not allow any additional payment of principal or escrow online. Instead, you could make the regular payment, then either mail them a check or make a phone payment ( for a fee ) for the additional amount. After complaining about this for several months, CMS changed their site to allow additional payments only under the following circumstances : You can only pay the regular amount before the payment due date. Any additional amounts must be paid after the system processes the payments from the previous month, so I must wait for some unknown number of days ( usually the XXXX to the XXXX of the month ) to make any additional payments, despite CMS 's written assurance to me that payments can be made on the XXXX of the month. I get paid on the XXXX and XXXX of each month, so I prefer to make my mortgage payment out of the paycheck on the XXXX, as soon as I can, so I can be fiscally prudent. 

CMS 's policies seem to ensure that customers can not lower the principal amount much beyond the normal payment and to allow them to gain as much interest as possible. Furthermore, this is the worst customer service I have ever received. I had to make a XXXX complaint to get a supervisor to call me, the website is antiquated and is hard to use, and any complaints or adjustments must be made by mail or fax.
Product: Mortgage

I filed Complaint XXXX to the CFPB. With no proof whatsoever, Real Time Resolution ( " RTR '' ) submitted an inconclusive transfer notice as their evidence. See their reattached Staker - ( XXXX XXXX XXXX " XXXX '' XXXX XXXX Goodbye Letter. 

I provided governmental proof XXXX  held in XXXX the entire principal had been paid. See the attached XXXX Form 1098. 

RTR claimed, " XXXX transferred the loan to RTR on the date [ XX/XX/XXXX ] reflected in that letter [ XXXX Goodbye Letter ] with a non-zero balance. '' RTR ignores RTR corrected the transfer date to XX/XX/XXXX. See the attached RTR_Corrected_Transfer.

RTR asserts they " did not agree with XXXX  issuance of the Form 1098. '' RTR proffers no authority whatsoever to show XXXX acted improperly.

RTR claims there was a " non-zero balance '' at transfer. RTR knew this claim ( a " non-zero '' balance at transfer ) is false. See the attached XXXX  Servicing File ( generated by XXXX as part of the transfer to RTR with no balances owed ).

RTR claims " RTR does not believe that XXXX  possessed the authority to purportedly XXXX out the balance of the loan after the transfer to RTR. '' RTR knows their " after-the-transfer '' claim is also untrue. See the attached XXXX Servicing File ( establishing the account balance was XXXX before the transfer date ).

I complained RTR 's responses required by XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, are lacking. RTR claims ( again without proof ) to have responded. And so, where are these responses?

RTR claims my requests are duplicative. RTR overlooks each Notice of Servicing Error had new additional documents, federal regulations require a new investigation. 

Attached I have shown clear and convincing third-party ( official ) evidence there is no account balance. I have also produced proof RTR stated facts they know were untrue ( non-XXXX  balance at transfer and action " after-the-transfer '' are both false ).

On the other hand, RTR lacks proof XXXX  acted improperly or there is an account balance. RTR position here boils down to a pretend  disagreement with the decisions and actions of the prior servicer. However, it is patent RTR lacks any authority " before-the-transfer '' to sustain their disagreement here.
Product: Credit card or prepaid card

So I received an offer from capital one on my email saying Im approve for a wal-mart rewards credit card. I applied for it because I was told Im approve then, As my application process online, I get a notification saying I have an inquiry towards my credit. From my understanding I got approved then I applied and Im assuming they denied my application. If thats the case then I would have never applied, false advertisement.
Product: Mortgage

RE : ATTACHED 2017 IRS XXXX FROM BSI FINANCIAL SERVICES XXXX # XXXX XXXX : ACCOUNT # XXXX PLEASE BE ADVISED THAT PURSUANT TO THE ATTACHED AGREEMENT THE ATTACHED 2017 IRS FORM XXXX BY BSI FINANCIAL SERVICES IS INCORRECT AS TO LENDER NAME, ACCOUNT # and AMOUNT OF PRINCIPAL OWING. 

TO COMPLY WITH IRS REPORTING GUIDELINES BSI FINANCIAL SERVICES IS HEREBY DIRECTED TO SUBMIT A CORRECTED IRS FORM XXXX WITH CORRECT ACCOUNT, AMOUNT OWING AND LENDER NAME AND TO PROVIDE COPY OF THE CORRECTED TO XXXX AND XXXX XXXX. 

THANK YOU FOR YOUR IMMEDIATE ATTENTION TO THIS MATTER
Product: Credit reporting or other personal consumer reports

Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ) and formally request the immediate removal of charged-off accounts from my credit report. The presence of these accounts not only inaccurately reflects my financial standing but also constitutes a defamation of my character. 

Under the FCRA, it is mandated that consumer credit information reported by credit reporting agencies must be accurate, relevant, and timely. However, the charged-off accounts listed below fail to meet these standards and must be removed without delay : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. Balance : {$1800.00} ( as of XX/XX/XXXX ) Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/XXXX. Balance : {$1600.00} ( as of XX/XX/XXXX ) Account Name : XXXX XXXX Account Number : XXXX. Date Opened : XX/XX/XXXX Status : Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/XXXX. Balance : {$2400.00} ( as of XX/XX/XXXX ) Furthermore, I have never received a XXXX Form related to any of the alleged debts. It has come to my attention that these companies have utilized the debts as tax write-offs without providing proper notification, which further exacerbates the inaccuracies on my credit report. 

Per FCRA regulations, charged-off accounts should reflect a {$0.00} balance and be removed from my credit report accordingly. I demand that immediate action be taken to rectify this situation and restore the accuracy of my credit report. 

Failure to comply with this request within the mandated timeframe will result in further legal action to enforce my rights under the FCRA. I expect your prompt attention and cooperation in resolving this matter. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX 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: Bank account or service

A bank ( BoA ) incorrectly listed me as having late fees on their credit card which appeared on my credit report while applying for a loan. I had pulled my credit report prior to applying for the loan and it was not on the report, it was applied sometime within 30 days of applying for the loan. I 've never had a BoA credit card so I knew it was not mine. I attempted to dispute directly with BoA but they were difficult to deal with. After multiple attempts and much frustration I finally found someone who would check the account referenced on the credit report. BoA confirmed the error and stated they would notify the XXXX reporting firms. Within 60 days I received a letter stating BoA considered the issue 'closed '. I am dubious and frankly concerned. My loan was questioned due to the incorrect reporting on behalf of BoA ; BoA offered little to no assistance in correcting the error ; and I can not obtain my 'free ' credit reports to measure whether the 'error ' was in fact removed as I had pulled my reports earlier this year. So how does one verify for free that errors were removed? It would seem that if a letter is received from a bank/firm allegedly stating the " issue is closed '' then a consumer should be allowed to obtain free verification of their credit report at the cost of the bank/firm that made the error. 
Why are banks/firms allowed to report 'errors ' yet there is minimal responsibility on the banks/firms to correct even when presented with evidence? The check and balance is not there. Consumers are left to fend for themselves sometimes unknowingly that a bank/firm is reporting erroneous information. As a side note, BoA offered no apologies. Only a statement of 'an error '.
Product: Credit reporting or other personal consumer reports

I kindly request the Consumer Financial Protection Bureau to investigate and correct the inaccuracies in my credit report. I am seeking a prompt resolution to ensure that my credit history accurately reflects my financial responsibility. 1. l HAVE NEVER BEEN LATE ON THIS ACCOUNT XXXX XXXX Account Number : XXXX YOU HAVE ME LISTED AS LATE AND I DEMAND THEY BE DELETED FROM MY CONSUMER REPORT. YOU ARE VIOLATING MY RIGHTS AND THESE TRANSACTIONS AND EXPERIENCES CAN NOT BE REPORTED AND THIS IS A CLEAR VIOLATION ON MY RIGHTS AND I WOULD LIKE ALL LATE PAYMENTS ON MY CONSUMER REPORT DELETED IMMEDIATELY. IT IS HINDERING MY CHARACTER AS A CONSUMER. 2. I HAVE NEVER BEEN LATE ON THIS ACCOUNT XXXX XXXX Account Number : XXXX I DEMAND ALL ALLEGED LATE PAYMENTS BE DELETED FROM MY CONSUMER REPORT YOU ARE VIOLATING MY RIGHTS AND THESE TRANSACTIONS AND EXPERIENCES CAN NOT REPORT AND THIS IS A CLEAR VIOLATION ON MY RIGHTS AND I WOULD LIKE ALL LATE PAYMENTS ON MY CONSUMER REPORT DELETED IMMEDIATELY. IT IS HINDERING MY CHARACTER AS A CONSUMER. Per US 15 1666B a creditor may not treat a payment on a credit card as an open-ended consumer credit plan and per 15 USC 1681 ( 2 ) ( a ) i ) ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 91681 ( 2 ) ( a ) i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 15 USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT MY WRITTEN CONSENT 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS A LATE FOR ANY PURPOSE THESE ACCOUNTS LISTED ARE IN VIOLATION ON MY RIGHTS. VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) in general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 XXXX there is some inaccurate information reporting. 
DEPTEDXXXX Account Number : XXXX Please remove this inaccurate student loan from my report 3. there is some inaccurate information reporting. 
DEPTEDXXXX Account Number : XXXX Please remove this inaccurate student loan from my report 4. The account status is unverified and incomplete DEPTEDXXXX Account Number : XXXX Please remove this inaccurate student loan from my report 5. The following status is Incorrect and unverifiable DEPTEDXXXX Account Number : XXXX Please remove this inaccurate student loan from my report 6. there is some inaccurate information reporting. 
DEPTEDXXXX Account Number : XXXX Please remove this inaccurate student loan from my report 7. there is some inaccurate information reporting. 
DEPTEDXXXX  Account Number : XXXX Please remove this inaccurate student loan from my report 8. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Product: Credit reporting

I am filling this complaint because equifax has ignored my request to provide me with the documents that their company has on file that was used to verify an account under " XXXX ''. I have no knowledge of the account being reported on my report. under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... ... promptly delete all information which can not be verified. '' that I have disputed. I need physical proof because I have no record of this account. Their response was that it was " verified '' but did not provide either the name of the employee who verified the account or physical proof of the verification off the account. Please resolve this matter as soon as possible.
Product: Mortgage

THIS IS NOT A DUPLICATE COMPLAINT - PLEASE READ - THIS IS A NEW COMPLAINT ABOUT A NEW & RECENT ISSUE WITH SPECIFIC INFORMATION SO SHELLPOINT DOES NOT RESPOND WITH A VAGUE AND AMBIGUOUS ANSWER Shellpoint letter dated XX/XX/20 indicates " your mortgage payment that was due on XX/XX/20 is now 17 days past due ''. This is the 3rd letter I received that my mortgage payment was not received. The mortgage payment due for XX/XX/20 was mailed via USPS certified mail with tracking number XXXX and was delivered to an individual on XX/XX/20 at XXXX XXXX. The money orders were issued as follows for XX/XX/20 payment. M/O # XXXX - {$900.00} and was cashed by Shellpoint on XX/XX/20 M/O # XXXX - {$900.00} and was cashed by Shellpoint on XX/XX/20 M/O # XXXX - {$340.00} and was cashed by Shellpoint on XX/XX/20 I responded to their letter dated XX/XX/20 via USPS certified mail tracking number XXXX and Shellpoint has refused to investigate or respond back to my letter disputing their assertion that my XX/XX/20 payment was not received.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I reviewed my credit report and noticed fraudulent items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never been associated near or opened this account it is fraudulent also whatever address attached is also fraudulent I am attaching the lawful codes on which is in violation of the law 15 USC CODE 1681N,15 USC 1681o,15 USC 1681e,15 USC 1605, 15 USC 1681 15 U.S CODE 1681 ( S ) - 2 SubSection 1F 15 U.S CODE 1681 ( 4 ) 15 U.S CODE 1681 ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Transunion was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Transunion seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Transunion investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Transunion to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX, TXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX, this is not mines. Please delete this account. 

Item # 2 : I dispute XXXX, this account balance is wrong. 

Item # 3 : I dispute XXXX  XXXX XXXX XXXX XXXX, this is not mines. Please delete this account. The company never sent me a notification of debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask the for itemization of record from these creditors Commerical trade bureau, XXXX XXXX and XXXX they have yet reply to my request. Can you please ask them to do so. I should not have to be filing this complaint against them if they would just do their work ask of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PURCHASED A MOTORCYCLE TIRE AND FINANCED IT THROUH XXXX IN EARLY 2021. I HAVE MY CHECKING ACCOUNT NUMBER AND IT WAS DEBITED MONTHLY. LATER ON I GOT EMAILS SAYING MY ACCOUNT WAS PAID LATE, WAS IN DEFAULT, ETC. XXXX  SUBSEQUENTLY NOTIFIED EXPERIAN THAT MY ACCOUNT WAS IN DEFAULT AND MY CREDIT TOOK A BIG DIVE. 

IF PAYMENTS WERE MISSED OR WERE LATE XXXX IS TO BLAME. THESE PAYMENTS WERE TO BE AUTOMATICALLY PROCESSED AND DEBITED FROM MY ACCOUNT. EXPERIAN HAS BEEN NOTIFIED OF THIS ISSUE BUT HAS NOT RESPONDED TO ME. XXXX TURNED ACCOUNT OVER TO A COLLECTION AGENCY. I CALLED THEM AND NOTIFIED THEM OF THE PROBLEM AND THEY AGREED TO STOP COLLECTIONS. BUT IT IS STILL ON MY CREDIT REPORT AND I WANT IT GONE -- AND AN APOOLOGY
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXXXXXX # 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 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: Student loan

I enrolled in Aidvantage 's autopay for my student loan on XX/XX/. I received an email the same day saying I had been enrolled. 

On my first repayment date, XX/XX/, my account was not debited. I received an email on XX/XX/XXXX  again stating my account had been enrolled in autopay. 

Today, XX/XX/, I received an email saying I had missed a payment. I checked my autopay status on the website and it showed that I was correctly enrolled. I re-enrolled again, and again received an email saying I had been enrolled. 

I then tried to call them about what happened and how that would affect my loan and repayments, and waited on the phone for 4 hours before the call was dropped. I tried to use their online chat system, but that says it is down due to heavy load on the website. I have now been waiting on the phone again for over an hour.