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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with [ XXXX  XXXX XXXX ] Dear Sir/Madam, I am writing to formally complain about a serious issue concerning the reinvestigation process on my credit report, as required by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my account with [ XXXX  XXXX XXXX ] despite my efforts to correct this inaccurate information. 

I recently disputed the presence of a late payment on my [ XXXX  XXXX XXXX ] account, which has negatively impacted my credit history. Under the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was required to conduct a reinvestigation to ensure that any inaccuracies were promptly corrected. 

However, despite this legal obligation, the credit bureau has failed to properly reinvestigate and correct the erroneous information on my credit report. This negligence has harmed my XXXX XXXX and jeopardized my financial well-being. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter urgently and ensure that the credit bureau complies with the relevant regulations. I am seeking immediate action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX  XXXX XXXX ]. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance. 

Sincerely, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Debt collection

Please see attached files for inaccurate amount reporting, reporting fraudulently, and without I, the consumer 's consent.
Product: Debt collection

XXXX XXXX accused my daughter of breaking lease and charged us for entire lease duration. When I called to disput the amount, they said they would not work with me and immediatly turned me over to glc collections. I went to court as should have been done originally, this was a dispute over lease issues and has to be settled in court first. I won the judgement and was awarded money for damages. The original amount was XXXX off since XXXX was guilty of code violations and of double dipping- they had rented residence out already. XXXX has settled and GLA still will not remove collection.GLA did not investigate and show due diligence in accepting this debt. XXXX has admitted guilt by losing lawsuit and paying, so in effect there can be no collecyion since the wrongdoing was not my fault.I have contacted them and they have not responded. I want this off of all XXXX Credit Reports, since they never should have been there at all.
Product: Checking or savings account

Add not going thru account process complaint not giving account it '' s interest and when double charged after notification no response of correction of address procedure pursue. Cancelation of dispute transaction online service and note response procedure without notification or reason. Address no policy regulations response or question movement reply complaint and is concerned considering purpose of banking. Thsnks
Product: Credit reporting, credit repair services, 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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$19000.00} XXXX  XXXX Balance : {$20000.00} XXXX  XXXX Balance : {$20000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$19000.00} XXXX  XXXX Balance : {$20000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

I had a medical bill which was settled via legal action in full on XXXX/XXXX/2012 yet the Credit Bureau of Bessemer somehow bought the settled debt and has reported it ( 1 ) wrongly on my credit reports as the date they say it was incurred keeps changing and ( 2 ) when written via certified mail to send verification failed to do so three times. Yet when XXXX investigated it ( twice ) they somehow verified it to them ( not XXXX as they took it off my report for lack of verification ). So what gives? Even without verification of a non existant debt this collection agency can say one owes a debt to a credit reporting company and they will accept it with no documentation only the word of a XXXX debt buyer who pays XXXX cents on the dollar for accounts that may or may not actually be past due?
Product: Mortgage

last week lender, Ocwen, sent emails that the only item needed was taxes ; taxes were signed and presented to Ocwen this week.Email from Ocwen said that the foreclosure would be placed on hold. Another email said that the foreclosure is NOT on hold. 

Ocwen hired their own company to foreclose. 

All kinds of calls from realtors and public calling and harassing over this foreclosure notice filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : I HAVE NEVER LIVED AT THIS ADDRESS, PLEASE REMOVE THIS FRAUDULENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and complained about a fraudulent account appearing on my credit report ( XXXX XXXX XXXX  XXXX Credit card Account number XXXX and XXXX XXXX  XXXX Account number XXXX ). I was transferred to the fraud department and they requested I submit and FTC report. Which I did to the XXXX bureaus, XXXX and XXXX were able to validate my claim and remove fraudulent account. Equifax is the only one that has yet to remove the fraudulent account. This is really affecting my personal finances as I try to keep everything in order and pay all my obligations on time. It is also affecting my creditworthiness, and I'm being rejected for housing or apartments. I already explain to them that my information has been made available to the dark web, due to several breaches. This has been a real exhausting process, and a stress on my poor health. I do not know what else to provide them, to proof that I did not open said account. My next step is to go out of my pockets and get an attorney involved to help me resolved this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX XXXX asking to investigate and remove the incorrect reporting of an account of mine. It currently reports as " Past due 30 days, two times. '' I sent my letter to the address that was listed on my Experian credit report, which is the following : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. In XXXX 2017, that letter was returned as undeliverable. This means that the address furnished by the original creditor XXXX XXXX XXXX XXXX is reporting inaccurately. According to the Fair Credit Reporting Act, only ACCURATE and VERIFIABLE information may be reported on a consumer credit report and if it does not meet any of the aforementioned criteria, by law, it must be removed. Therefore, I am requesting that not only the negative remarks be removed from the reporting of this account from XXXX, Experian and XXXX, but that they also furnish said reporting agencies with the correct address information to be reported.
Product: Credit reporting or other personal consumer reports

This is my XXXX attempt to get transunion to remove the closed XXXX XXXX XXXX account # XXXX that appeared on my credit report. It is fraudulent/merged file identity theft. I provided the FTC and police reports along with multiple Transunion and CFPB disputes. 

Transunion keeps responding that the account has come back UN VERIFIED but have yet to remove the inaccuracy from my credit report. 

The name reporting attached to this XXXX XXXX  Revolving account with account # XXXX opened on XX/XX/2018 is XXXX XXXX XXXX XXXX. My name is XXXX XXXX. 
Per the FCRA 15 U.S.C 1681c-2 section 605B : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries on my credit file XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX I have no consent neither did I authorize them
Product: Checking or savings account

I deposited two CASHIERS CHECKS and the bank put a seven day hold on the funds. I had asked an employee before depositing the checks if they put holds on cashiers checks and she told me no, " because the money is certified ''. 

I called Bank of America and they denied my request to release the holds.
Product: Debt collection

Medical debts are no longer collectible after 5 years in the state of Florida according to state laws
Product: Debt collection

the company Midland Credit Managem is calling my phone all hours of the morning and night. They are telling me i owe {$720.00} i've never did any business with this company. And i've made that none to them, and the continue to call and harass me. 


15 usc 1692c That law clearly states '' Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

VIOLATION OF 15 USC 1681s-2 section 623 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES. 

1.A. Reporting information with actual knowledge of errors. Balance, payment history, Actual amout of payments, first date of delinquency. 
B, Reporting information ofter notice and confirmation of errors. Direct dispute and notification by me notifying of erreors, XXXX confirmation receipt XXXX, XXXX, XXXX XXXX.Reasonable cause to believe information is inaccurate. Attached XXXX XXXX own payment history and statement of balance owed along with copy of experian and equifax reports to demononstrate inaccurate reporting 2. A.Duty to correct and update information. With each dispute and direct notification XXXX XXXX continues to cerify information reporting correctly with evidence that is was not. 
3. Duty to provide noticeof dispute. XXXX XXXX reports previously in dispute resolved by furnisher. Dispute has never been resolved I have included their own financial history submittwed to the cfpb
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several erroneous entries. The 3 credit bureaus are legally obligated to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat these reporting accounts as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable accounts listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX and XX/XX/XXXX Payment Status : Late 30 Days XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Late 60 Days
Product: Credit card or prepaid card

XXXX ( {$7.00} ) and XX/XX/XXXX ( {$13.00} ) interest on statements In XX/XX/XXXX I signed up for a 0 % balance transfer promotion for 12 months on my existing Chase credit card. I transferred over approx {$1500.00} from another bank institution No purchases were made on the card until XX/XX/XXXX ( XXXX XXXX ) and that purchase was returned on XX/XX/XXXX. 

On XX/XX/XXXX when the statement closed, I was charged {$7.00} in interest and in XXXX I was charged another {$13.00}. This interest was on the returned purchase. Chase applied the ( returned ) credit to my promotional balance and as a result Im essentially paying interest on an item returned within one day. That is their policy per Chase and they agreed Im paying interest on a returned item. In speaking to two supervisors they were also unable to refunded the interest. My account has always been in good standing.
Product: Mortgage

I FELL BEHIND ON MY MORTGAGE PAYMENTS IN XXXX BECAUSE OF CIRCUMSTANCES NEEDED TO CARE FOR MY GRANDCHILDREN WHOM I HAVE CUSTODY OF.I HAD TO GO FROM WORKING FULL-TIME TO PART TIME WHICH I THOUGHT WOULD BE FOR A FEW MONTHS, BUT IT ENDED UP BEING LONGER. I REACHED OUT TO MY MORTGAGE COMPANY TO SEE IF I COULD GET A EXTENSION OR TO SEE ABOUT AN MODIFICATION.I WAS ASSIGNED AN CASE MANAGER XXXX XXXX AND THIS WAS BY VIA MAIL. THEY SENT ME DOCUMENTATION AFTER DOCUMENTATION OUTLINED WITH WHAT THEY NEEDED TO START THE PROCESS.WHICH WAS IN XXXX.AT THE TIME I WAS ONLY BEHIND 2 PAYMENTS.EACH WEEK I HAD TO SEND MY INFO VIA EMAIL, FAX OR BY MAIL. WHICH I CHOSE FAXING SINCE IT IS INSTANTANEOUSLY. WHICH WAS THE FINANCIAL BORROWERS STATEMENT WORKSHEET, MONTHLY EXPENDITURES WORKSHEET, XXXX, REQUEST FOR TRANSCRIPTS OF TAX RET. HARDSHIP LETTER, XXXX FORM, BANK STATEMENTS, PAYSTUBS. I FILLED OUT ALL OF THEM. I SENT THEM ALL BACK VIA FAX, BUT NEVER HEARD FROM THEM. EACH WEEK I CALLED MY CASE MANAGER WHO WAS NEVER IN.LEFT SEVERAL MESSAGES, AND NEVER HEARS FROM HIM.I STARTED TALKING TO JUST RANDOM CASE MANAGERS TO TRY TO SEE IF THEY KNEW THE STATUS AND EACH TIME THEY STATED THAT MY DOCUMENTS WERE HARD TO READ, OR WAS TOO LIGHT, TOO DARK, OR SLANTED, BUT INSTEAD OF CALLING ME BY PHONE IN A TIMELY MANNER TO RESOLVE THE ISSUES WITH MY MODIFICATION APP, THEY WOULD SEND IT VIA MAIL.I JUST BELIEVE THEY TRY TO PROLONG IT SO I COULD LOSE MY HOME. ALSO ON THE DAY I CALLED BACK TO SEE IF THEY RECEIVED MY INFORMATION BECAUSE I DID N'T HEAR FROM THEM, THAT WAS AFTER XXXX ON XX/XX/2016.THEY SAID I NEEDED TO SEND IN ANOTHER BORROWERS FINANCIAL STATEMENT, WHICH I SENT IN XXXX AT THE VERY BEGINNING OF THE PROCESS, WHY WOULD YOU ASK ME TO RESEND IT AGAIN IF YOU ALREADY KNEW YOU COULD N'T READ IT IN XXXX. THEN I FELT LIKE THEY WERE UP TO SOMETHING, SO I RESENT IT THRU FAX ON THE SAME DAY I CALLED THEM THE FOLLOWING WEEK AND THEY SAID THEY RECEIVED IT, AND TO ALSO LET THEM KNOW I HAD DIFFERENT CIRCUMSTANCES THAT WOULD HELP ME FINANCIALLY TO MAINTAIN MY HOME. THEY DID MENTION THAT IT WAS ALL COMPLETED AND BEING REVIEWED.SO I JUST WAITED, THEN I CALLED BACK THE FOLLOWING WEEK BECAUSE AGAIN THERE WAS NO CORRESPONDENCE BETWEEN THE CASE MANAGER AND I.HE WAS NEVER IN HIS OFFICE, ALWAYS ON VACATION. AGAIN I SPOKE TO ANOTHER CASE MANGER WHO INFORMED ME IT WAS DENIED AND THEY WERE SENDING THE INFO IN THE MAIL, WITH SHORT SALE INFO, OR DEED IN LIEU. I JUST FEEL LIKE THERE WAS NO HELP FROM THEM TO EVEN TRY TO HELP ME THROUGHOUT THE ENTIRE PROCESS.
Product: Mortgage

After 7 years paying my mortgage to chase bank on time l got laid off from my job. I was able to keep up my payments for a while but I finally started to fall behind on my payments. In XXXX of 2019 I had fallen to three months behind. I was told by chase bank that I needed XXXX to bring my account current and to get it out of default and that needed to be done before XX/XX/XXXX. The good thing was I started a new job and I was able to get back on my feet. On XXXX XXXX I made the payment of XXXX which should have taken me to current. But when I got my next statement they did not credit my money to bring me current like I was told, they used that money for fees and late charges. So they once again they decieved me. I say once again because 3 years ago my mortgage insurance was supposed to come off my loan because I had meet all the criteria to have it removed but when all this stuff started I noticed they never removed it as I was told and they had been over charging me XXXX a month for over 3 years. Last week I received a letter from chase that they sold my mortgage to a company named XXXX XXXX. I went on to my chase online account to pay my current mortgage payment but it will not accept my payment. So I went to the XXXX XXXX website to see if I can make my mortgage payment there and it says that my account info will not be available until XX/XX/XXXX so now I am in limbo. I dont think its fair that theses banks can just do what ever they want and the little guy like myself that is trying to do the right thing only option is to spend thousands of dollars to hold these banks to doing the right things.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to block the fraudulent accounts listed in the police report. They continually investigate and are dragging the process on. I have sent them copies of my ID, police report, Identity theft affidavit supporting my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called today XX/XX/2021 the FICO, XXXX, XXXX, and Experian. I called XXXX, XXXX and Experian : who or company or organization is making my credit report to up or down. XXXX, XXXX and Experian basically call FICO. 

When I called FICO they told me about how the calculate my score but reused me who, what, why, how and what for because I think my e-oscar should be higher then what they are calculating. 

I would like to know who is making my credit score go up or down and how they calculating my e-oscar or any other software. I believe this a fundamental right whom is causing scores to go up or down.
Product: Vehicle loan or lease

First and foremost on XX/XX/XXXX I went to XXXX for a consumer transaction for a XXXX XXXX XXXX, I gave XXXX my credit credit which is clearly defined under 15 usc 1602 ( l ) and it states : ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I extended credit to southern auto finance company " aka '' SAFCO and I the natural person received no benefit. Southern auto finance company " aka '' SAFCO practiced unauthorized use of my credit card. Southern auto finance company " aka '' SAFCO has violated multiple rights and I the consumer received no benefit, Congress has stated this under 15 usc 1602 ( p ) and it states : ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
Only I the consumer and natural person have authority over my credit card because I am the card holder the natural person. I have sent Southern auto finance company " aka '' SAFCO a cease and desist and affidavit of fact on XX/XX/XXXX which I will include in the attachments area. Also I wrote transunion and told them that I have not given Southern auto finance company " aka '' SAFCO any written instructions to report this on my consumer report. But don't take my word for it I will tell you what CONGRESS said and 15 usc 1681b states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

According to transunion which is in exhibit E they stated that Southern auto finance company " aka '' SAFCO VERIFIED this account. This company is a fraud and I will show you in the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked repeatedly for debt validation. I have asked for a copy of the original contract with my signature as well as itemized list of the balances owed. I also asked. The collection company has refused to provide the information. I am either placed on hold for hours with the phone repeatedly hanging up and no response to the letters. However they are reporting to my credit. Each report is reporting a different amount due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or was opened without my permission. 
XXXX XXXX Balance : {$5300.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.