23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

i when to XXXX XXXX XXXX, looking to purchase a vehicle. 
i was under the impression, that my credit will be run once. 
now i have A lot of hard inquiry on my credit report. this is stopping me from purchasing a home or Vehicle. 

Shared with out my consent, credit Inquiries from unknown soucrces. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

From XX/XX/XXXX - XXXX my bank 's mobile and online banking centers were completely shut down so I had no access to my accounts while I was out of town. I was not able to check balances on my accounts or transfer funds from my savings to checking as needed like I had planned on doing. Apparently, since I had no way to check my balances, I over drafted on my account. I think that this is unfair and cheating. The bank took from me the ability to access and keep tabs on my money for over 4 days and then proceeded to stack XXXX overdraft fees on me all because their sites were down. I have tried to contact the bank multiple times to get the issue resolved and my call keeps getting dropped. The bank is faulting me for their inadequacies and now I am negative almost {$200.00} which I can not afford to lose during a global pandemic. This is cheating plain and simple, and I will not be paying fees on an overdraft that I was unable to know was happening.
Product: Debt collection

In end of XX/XX/XXXX I moved in XX/XX/XXXX with section 8 housing. My move in deposit was XXXX dollars.It was my self XXXX and my XXXX year old son and XXXX year old son. XX/XX/XXXX XXXX said my XXXX year old son violate my lease and they wanted me to moved the police was called and evidence was not found. XX/XX/XXXX moved off property, they over charged me for repairs XXXX, the repair that they would have made any way to rent apartment prices for carpet replacement and full apartment cleaning .. apartment was cleaned I think the charges are not fair rate can please look into it please
Product: Mortgage

We have a mortgage wtih Fifth Third Bank. Our taxes and home owners insurance are paid from our escrow account. Our home owners insurance payment was due on XXXX XXXX, 2018 for the amount of {$600.00}. 
Around XXXX XXXX, 2018, we received a letter in the mail from our insurance company stating that our policy coverage was cancelled due to non-payment. On Monday XX/XX/XXXX, I called Fifth Third Bank 's insurance department to notify them of the letter we received. The representative asked for the number to our insurance broker. I was told that insurance companies usually have a grace period and that the premium payment could be sent overnight if needed. I was then instructed to call back on Friday to verify that the problem had been resolved. 
We were unable to call back that Friday but called back Monday XXXX XXXX, 2018. I spoke with the same representative and the payment still hadn't been sent. I was instructed to call our insurance broker for Fifth Third Bank. My husband called the insurance broker on XX/XX/XXXX. The broker told my husband that Fifth Third needed to contact the insurance company. I called Fifth Third 's insurance department that same day and spoke with a different representative. I told him that the insurance broker said that Fifth Third needed to call our insurance company and provided the representative with the insurance company 's phone number. The representative called back later on XX/XX/XXXX and left a voicemail stating that he talked with our insurance company about reinstating our policy, and received the invoice for the premium payment to the insurance company. 
On Thursday XX/XX/XXXX, we received a refund check in the mail from our insurance company for {$600.00}. I contacted our insurance company on XX/XX/XXXX. The customer service representative verified that our policy had been cancelled for non-payment. I inquired about the premium payment and she stated that it had been received beyond the grace period and that the policy couldn't be reinstated. She directed me to call our insurance broker. I called our insurance broker on XX/XX/XXXX for a new insurance policy. On XX/XX/XXXX, I also called Fifth Third Bank 's insurance department and ask to speak with the supervisor to complain about how our insurance was handled. I was told that the supervisor was unavailable at that time. The supervisor called me later and left a voicemail stating that our account was being looked into and that we would be contacted. We haven't heard anything from the supervisor since the voicemail. 
Meanwhile, we have a new insurance company. The coverage began on XX/XX/ 2018 with a premium payment of {$680.00}, a {$77.00} increase from our original insurance payment of {$600.00} that was due on XXXX XXXX, 2018 and was supposed to be paid from our escrow account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed in attached document
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I have sent a letter to dispute a late payment on one of my accounts as the information is inaccurate or unverifiable. Pursuant FCRA 15 U.S.C 1681a ( d ) ( 2 ) ( A ) ( i ) the law states that the transactions and experiences are excluded from consumer report. The only time late payment can be reported is when ( FCRA ) 15 U.S.C 1666b ( a ) is met. 
Besides that XXXX failed to provide proof that creditor sent me a proof of delivery of the information required by law under ( FCRA ) 15 U.S.C 1666b ( a ) 21 days before the due date also failed to respond to my dispute within 30 days. 
XXXX is in violation of ( FCRA ) 15 U.S.C 1681 and after a dispute letter sent by be now in violation of ( FCRA ) 15 U.S.C 1681n as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date of Inquiry : XXXX ; XXXX Date of Inquiry : XXXX ; XXXX XXXX XXXX Date of Inquiry : XXXX ; XXXX XXXX Date of Inquiry : XXXXXXXXXXXX XXXX XXXX Date XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the following incorrect addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian is reporting the following incorrect addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting the following incorrect addresses : 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

I am concerned about the validity and accuracy of the recent investigation done by Equifax .I requested for an investigation because the account XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE
Product: Mortgage

Ditech has continually misallocated my monthly payments. After each occurrence I contacted the company to resolve the issue. I was continually told they would fix the problem and make sure future payments were allocated correctly. Yet the very next monthly payment was misallocated. Due to these errors, my payoff amount was incorrect and I overpaid. Ditech said they would investigate the problem and if I was owed any money they would send it in 30 days. They made an error yet they hold my reimbursement money hostage. 

The misallocated funds occurred in XXXX of XXXX, XXXX of XXXX, XX/XX/XXXX, XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX. Regular payments were applied to additional principal and any extra principal payments were applied to regular monthly payments then I was charged late fees, interest, etc. because the full monthly payment was not paid. 

There were also months that I did not receive my monthly statements. I had to contact Ditech to get a statement in order to have a voucher to send with my payment. 

My escrow was calculated incorrectly and misapplied as well. Ditech said they could not send me a corrected escrow statement when I asked for it. I never received anything stating the error was corrected. 

When my monthly payments were applied to additional principal, I was told by Ditech, that I had made the payments 1-3 days before the payment was due so they applied it to principal since my account was current. However, in the past I had made payments every two to three weeks and there was never a problem. If their policy is to apply all payments to principal should they be paid 1-3 in advance of the actual due date, they should have informed me ( the consumer ) of this change in policy. However, they did not. They continued to misallocate the payments despite my numerous attempts to rectify the problem. I even spoke to supervisors and was told someone in a management position would contact me to discuss the issue. This never happened. No one ever contacted me. 

Ditech customer service is extremely poor and they are not interested in resolving problems. Yet they are quick to add late fees, etc. and to take your money and keep your money despite their errors.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : $ {$10000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX College Station, TX XXXX SSN : XXXX XXXX : XXXX XXXX XXXX  Dear TransUion, XXXX, and XXXX I am writing to dispute certain inaccuracies in my credit reports regarding my XXXX XXXX XXXX loan account. The details are as follows : Account Name : XXXX XXXX Reported Balance : {$4400.00} Date Opened : XX/XX/XXXX Account Status : TransUnion and XXXX report the account as " Charged off '' with a balance of {$4400.00}, while XXXX indicates that I have 100 % left to pay on this loan. This discrepancy suggests that XXXX is not updating the account status accurately. 
Consumer Law : Under 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information identified as resulting from alleged identity theft, not later than 4 business days after receipt. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, this account is in violation for not reporting 100 % accurately.

Payment History : TransUnion indicates that I have made no late payments ( XXXX ), while XXXX shows that I have only made 18 % of payments on time and lists 36 missed payments. This significant difference needs to be corrected. 
Consumer Law : The FCRA mandates that credit reporting agencies ensure the accuracy of the information they report, as stated in 15 U.S.C. 1681i. 
Last Payment Date : There is a discrepancy in the reported last payment date : TransUnion lists it as XX/XX/XXXX, while XXXX states it as XX/XX/XXXX. While minor, accuracy is essential. 
Consumer Law : Under 15 U.S.C. 1681e ( b ), the FCRA requires that all reported information be accurate and verifiable. 
In accordance with the Fair Credit Reporting Act, the accounts listed have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Pursuant to 15 U.S.C. 1681, I have the right to privacy, and under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting the original copy of the agreement and the terms and conditions associated with these accounts. Failure to comply will forfeit your claims and require you to delete all the items listed above. You are required to block these transactions from being reported to my credit report within 4 days from the date of receipt of this notice. 
Delete these accounts unless you wish to be held accountable for {$1000.00} per account. 
Please confirm receipt of this letter and inform me of the outcome of your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I was having a problem trying to get a hold of one main to pay my car payment. Phone either disconnected or changed. So I emailed them several times stating needing to contact them so I could make payment. Them get papers mail shortly on stating they were going to garnish my wages. So starting on XXXX they started taking out between XXXX to XXXX a week out of my check. They wanted the amount of XXXX total after all.fee and etc.. However I didn't owe that much left on my car. Maybe around XXXX give or take. Well the garnishment end date was XXXX. They say I still owe around XXXX when it was completed and it still on my Credit report. They are still trying to garnish my wages for the 2nd time. They also have had the vehicle since the garnishment It was Repo. I have been trying to get all this cleared up but have had no luck at all.
Product: Credit reporting or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX on record until XX/XX/XXXX. XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX on record until XX/XX/XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX on record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX Potentially negative date opened XX/XX/XXXX Balance {$1900.00} Status Pays account as agreed. XXXX XXXXXXXX XXXX Potentially negative date opened XX/XX/XXXX Balance {$28000.00} Status Pays account as agreed. 
FCRA violations : addresses not mine XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX Resident type Single family. XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family. XXXX XXXX XXXX XXXX TX XXXX Resident type Single family. XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Resident type Apartment complex. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Resident type Apartment complex.
Product: Credit reporting or other personal consumer reports

I typing this right now in disbelief how XXXX, Transunion, and XXXX treating their consumers. I was using credit for some years now because I didn't want debt. Me learning understanding that American is built off credit, I wanted to start a business to get funding but found out I'm a victim of identity thief. 


I Mailed letters, file a FTC report and many CFPB reports stated what I need changed/Removed from my credit report. All late payments is wrong on my credit report and I want changed ( to paid as agreed ). Collections Accounts should not be on my credit report. I'm demanding a proof of verification that the info in my report is vaild. 

FTC REPORT NUMBER- XXXX if not vailed, I want it changed/removed to what the letters states for the dispute.
Product: Credit reporting

I went to school for the year XX/XX/XXXX, in which I am listed as having a " XXXX day late '' in XX/XX/XXXX. 

My school sent letters to the CRA. There was no investigation. There was no response from anyone. Although this is not about the student loan itself, but of the investigative CRA process that never occurred, XXXX even admitted to me over the phone they see this happen " all the time '' with XXXX students, and is a computer glitch. They refused to do anything but insist I have my school send a letter documenting enrollment, I sent said letter, and the CRA never once acknowledged much more than the fraudulent listing. On multiple currencies. Since XX/XX/XXXX. This ai n't cool, bro. 

This is woefully inadequate, arbitrary, and capricious. Yet most of all, this ai n't cool, bro. I had in-school forebeafance, and the CRA 's all knew that. All list XXXX trade lines on my account. XXXX admitted it was systemic issue at XXXX. Yet again, this is a CRA investigation matter. 

So, the CRA 's know about it. And, they do n't question it. No investigation took place. This is CRA fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX and equifax about this issue 3 times now. 

XXXX XXXXk is reporting incorrect information on my credit report. I have asked the credit bureaus 3 times now to verify or remove the info. I've even pointed it out to them that the info is inaccurate. 

They refuse to validate the account or make any updates to it. 

You can see that the following items are incorrect. 
Acct Type-Detail Date Opened High Credit Balance Credit Limit Past Due Date Last Active Date of Last Payment I have asked for proof of the above information and I've also asked that they ensure it's all reporting accurately or to DELETE the acct from my credit report. They will not do either. 

I am attaching all letters that i have sent to the credit bureaus as well as an updated image of the item that is reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting deleted information from other bureaus so you must delete it from my Equifax credit report. Per FCRA, reporting must be 100 % accurate. The account is listed below : XXXX XXXX XXXX XXXX : {$10000.00}
Product: Debt collection

Company using a third party to collect medical debt. I requested a XXXX release form request with my signature that gives company authorization to collect on behalf of the original creditors and have yet to receive anything in the mail. This is a violation of my XXXX rights and collection needs to be removed.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXXXXXX Balance : {$12.00}, XXXX XXXX XXXXXXXX Balance : {$4.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$5.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1.00} XXXX XXXX XXXX XXXX Balance : {$140.00}