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

Subject : Complaint Against Credit Bureaus for Not Removing XXXX Account from Credit Report Dear Sir/Madam , I am writing to formally lodge a complaint against the major credit bureaus for failing to remove a XXXX account from my credit report despite multiple disputes and clear evidence supporting my claim. This unresolved issue is severely impacting my creditworthiness and causing undue stress. 

Details of the Complaint : Account Information : Creditor : XXXX  Debt Collector : XXXX XXXX XXXX Background : XXXX sold the aforementioned debt to XXXX XXXX XXXX. 
I paid the debt in full to XXXX XXXX XXXX. 
XXXX XXXX XXXX confirmed that they did not report the debt to any credit bureaus and assured me that they would ensure the removal of any related XXXX account entries from my credit report. 

Issues with XXXX XXXX : XXXX is still reporting the account as " potentially negative '' on my credit report. 
The report contains incorrect and incomplete information, including but not limited to : Improper payment history Incorrect date of settlement Missing details regarding the date of debt transfer and the recipient of the debt Lack of debt validation despite numerous requests Violations of Federal Law : The continued inaccurate reporting by the credit bureaus and Discover is in violation of several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S. Code 1681i - Procedure in case of disputed accuracy : The credit bureaus have failed to conduct a reasonable investigation into my disputes, as required by law.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies : XXXX, as the furnisher of the information, is obligated to report accurate information and correct any errors in a timely manner. They have failed to meet this responsibility. 
15 U.S. Code 1681e ( b ) - Accuracy of report : Credit bureaus are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They have not adhered to this requirement.
Product: Mortgage

I have a property in contract for sale scheduled to close by XXXX XXXX, 2016 to a qualified buyer. At the same time, there is a Trustee Sale on the property scheduled for XXXX XXXX, 2016. I requested Ocwen ( the lender ) to postpone the TS for XXXX weeks. I told them they will be paid in full ( this is a line of credit on the property ). They said they ca n't do anything about it at this time and ask me to call the attorney 's office who is handling the sale to see if they can do something about it for me. I talked to the attorney 's office and they said it is up to the lender to decide and sent me back to talk to the lender. I was given a Relationship manager name of XXXX XXXX and a phone number to contact her at XXXX XXXX XXXX. Unfortunately, no one by that name ever answers the phone. I have been calling several times and each time, a different person would tell me to do this and that but no one seems helpful. I understand the lender wants to be paid as soon as possible so I do n't understand why they are not interested in helping me out so they can get their money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX OF ACCT # : XXXX XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX ACCT # : XXXX XXXX  ACCT # : XXXX
Product: Credit card or prepaid card

XXXX XXXX has failed to send out fraud forms and readjust the balance on my account including the minimum amount due due to fraud charged on my credit card. Additionally they have reported to the credit bureaus that I am 30 days late on a payment, I have lost the card 2 months ago and I have not been able to log into the account online due to it being blocked.
Product: Checking or savings account

this complaint is apart of the ongoing investigation in NF Credit Union and their overdraft practices in the past
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Mr. Cooper Mortgage : Refinance XXXX XXXX : Closing date : XX/XX/2021 My escrow balance was {$6100.00} ... We signed escrow transfer authorization for them to transfer our escrow balance to the new loan with Mr. Cooper. A debit of {$5400.00} was taken from my escrow account and balance sent to me. Instead of transferring my escrow balance to new loan they used it to pay down the old loan. We did not authorized to do this. Closing cost : Sec XXXX : Initial Escrow payment at Closing : A total of {$9200.00} was included in my loan to cover escrow due XXXX 2021. A credit of {$5400.00} was never put in my new escrow account and it was not sent too me. My total escrow balance should have been : {$15000.00}. This was enough to pay my taxes and insurance of {$9600.00}. Since the {$5400.00} was never put in my new escrow account I now have a negative balance of {$200.00}. I have contacted Mr. Copper and each department is blaming the other for the mistake. I have letter dtd XX/XX/2021 from XXXX XXXX, XXXX, XXXX. saying they did transfer the balance to new account, but can not provide any proof of credit.
Product: Mortgage

Company has been requested over the phone, through uploaded documents two times, mailed documents, and through faxed documents to process request to close escrow account. No process has yet to be put in place to close the account. No acknowledgement of receiving documents has been received. The company website sends a general acknowledgement when files are uploaded, but that acknowledgement does not show that someone actually read the file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX I, XXXX XXXX, didn't give the right to pull my consumer report. There isn't any written permission from me. I want the inquiries deleted from my consumer report. 
So, if you said I gave you permission, but I am asking, you know, for the document, where 15 USC 16 ad one b two says that I gave you that written permission and you can not provide a document. That equals identity theft.

Under 15 U.S.C. 1681n - U.S. Code - Unannotated Title 15. Commerce and Trade 1681n. Civil liability for willful noncompliance, it says : " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' I demand it be removed from my credit account immediately. I do prefer a cash check please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my Experian credit report, report # XXXX for XX/XX/XXXX. The credit report showed a Chapter XXXX Bankruptcy public record and a comment stating the Information was published by XXXX XXXX. I sent a letter to Experian disputing the Information being furnished by XXXX along with a copy of a letter from XXXX dated XX/XX/XXXX confirming the security freeze that was placed on my account. I also included a letter from US Bankruptcy Court XXXX District of Ga dated XX/XX/XXXX confirming that they do not report to a credit reporting agency. I received an email from Experian on XX/XX/XXXX stating the Information was verified as correct and will remain. I believe their investigation was invalid. This Information could not have been furnished by US Bankruptcy Court because they do not report to a credit bureau, nor was the Information verified by XXXX due to a freeze that I have on my account. I respectfully ask for your assistance in helping with this matter. 
Kind Regards, XXXX XXXX XXXX ss # XXXX DOB- XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) XXXX them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts XXXX BANK XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX  Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXXXXXX XXXX XXXX  Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX  XXXX ( Student Loans ) Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX  # XXXX Hard Inquiry Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 
( XXXX ) XXXX XXXXXXXX XXXX XXXX  Hard inquiry Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX. 
( XXXX ) XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) XXXX XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX mos ) XXXX XXXX XXXX  ( Student loans ) Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Also these addresses are not mines XXXX XXXX RED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX 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: Checking or savings account

I received a letter dated XX/XX/2021 re : Your TD Bank Checking account ending in : XXXX. 

I did and do not have a checking account with TD Bank. 

After a couple of days, I received two packages with two sets of TD Bank check books inside that have different account numbers at the bottom. I did not order these because I do not have an account with this bank and never had any account with this bank.
Product: Credit card or prepaid card

I bought two NEW keyboards from a company in XXXX, I received broken and missing item merchandise, merchant wanted for me to pay nearly {$80.00} to ship back to XXXX, so I began a dispute. Citibank without notice, months later, reversed my credit after ruling in my favor without any notification, notice, or reason! 

Why is Citibank ripping me off!??!
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 XXXX ( XXXX ), XXXXXXXX XXXX  XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXXXXXX XXXX, XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) All accounts listed under ( 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: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

MIDLAND CREDIT MANAGEMENT INC {$1000.00}, {$870.00} I am writing to formally request validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. The account in question appears on my credit report and is being reported as delinquent. However, I do not recall any outstanding balances owed to you and would like verification of its accuracy and legitimacy. As required by the FDCPA, please provide the following : 1. Documentation verifying that the alleged debt is valid and that I am responsible for it. 2. The original contract or agreement bearing my signature that indicates I agreed to the terms of the debt. 3. A detailed breakdown of the amount claimed, including any fees, interest, or other charges. 4. Proof that your company is authorized to collect this debt on behalf of the original creditor. 5. Documentation showing that the debt complies with state and federal laws, including the statute of limitations. Until I receive the requested verification, I respectfully request that no negative information related to this account be reported to the credit bureaus. If this debt has already been reported, please contact the credit reporting agencies to have the account marked as in dispute. If you are unable to provide sufficient evidence to validate the alleged debt, I ask that it be removed from my credit report entirely in compliance with the Fair Credit Reporting Act ( FCRA ). Please note that this letter serves as my good faith effort to resolve the matter. I am prepared to take further action if my rights under the FDCPA and FCRA are not respected. Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within 30 days. Please respond in writing to the address provided above.
Product: Credit card or prepaid card

The last week of XXXX I called Chase Bank to advise them that I would be using my charge card on a trip to XXXX and that I would specifically be using it for a car rental. I asked if I could do that and asked if the card provided me with collision protection insurance for the car rental. I was told yes, I could use my card in XXXX and that one of its benefits was that it provided collision insurance on car rentals. I arrived in XXXX about a week later on XX/XX/2023 and when I went to pick up my car rental and tried to pay for it with my Chase charge card, the charge was declined. I thought surely that was a mistake because I had already cleared with Chase and very specifically told them I would be using it for this exact purpose but when the care rental agent tried the card again, it was again declined. I think he tried it 3 separate times and each time is was declined. I tried to call Chase on the spot to get it resolved but was not able to get through to the XXXX phone number on the back of the card. I was traveling with 4 other people and we needed to rent the vehicle and be on our way so one of my travel companions offered to put the charge on her credit card but, unfortunately, her card did not offer the collision protection insurance so we were forced to buy the insurance from the car rental company for the amount of XXXX XXXX which is approx {$580.00}. It wasn't until XX/XX/XXXX that I was able to get through to somebody at Chase to get resolution on the security block on my card. However, it was too late at that time to do anything about the insurance that we purchased in order to dive away with the car on XX/XX/XXXX. When we returned the car on XX/XX/XXXX, I was able to transfer the car rental charges from my travel companions card on to my card but again, was still on the hook for the {$580.00} that I would not have had to spend had Chase not made the mistake in the first place. I've contacted Chase several times ; have spoken to several representatives ( one of them even hung up on me ) and the conclusion for each is that there is nothing they can do for me. If they had honored the charge, which I had previously and very specifically told them I would be making, I would have not been in the position of having to pay this expense so I feel that because I did everything right, especially in notifying them of my intentions, and it was their mistake that caused me to incur this expense, that they should reimburse me for the amount of this expense which is approx {$580.00} based on current euro to dollar exchange rates. Can you please help me to get Chase to do the right thing? Thank you! XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The email address I used for my Experian account was compromised and closed by XXXX. I am unable to access my Experian account, reset the password or reset the username I am also unable to find any support or information on how to update this information and access my experience account from experience. When I called the numbers provided on experience website I only speak to an automated system who does not transfer me to a human or refuses to transfer me to a live representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. XXXX XXXX XXXX, XXXX XXXX XXXX ( f ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( a ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

In XXXX of XXXX an item was purchased from Home Depot on the Citibank Home Depot Card for approx {$2700.00}. The product breached warranty and XX/XX/XXXX, Home Depot picked up product from my home, without the ability to replace the faulty item and refunded the approx. {$2700.00}. Citibank never adjusted the interest based upon the significant return and balance adjustment. Citibank is still attempting to collect the interest on the old balance without adjusting for the credit of {$2700.00} to the account. I have brought this to their attention numerous times and they refuse to recalculate the interest charged since atleast the date of the return/credit to the account. In addition, my account reflect my payment is not due until XXXX XXXX, but charging a late fee and harassing me with with daily phone calls and shutting off my card, despite never being late on payments before this valid dispute and a payment having been made based upon the adjusted balance.
Product: Credit card or prepaid card

Due to the latest massive credit breach, someone, through fraudulent means tried to establish a line of credit using my information. the day was XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Id like to dispute a late mortgage payment from XX/XX/XXXX, a XXXX card and XXXX   card all from the end of XX/XX/XXXX.

I made these payments through the XXXX XXXX XXXX   portal like I do all of my bills and for some reason they did not post within the correct timeframe. I did contact XXXX XXXX XXXX  and they informed me that they werent aware of portal issues but that because I called they would effect my credit. I just learned that it has affected my credit through a credit report.

Im not sure what to do since Ive just become aware of this. Im not sure XXXX XXXX XXXX records their calls but if they do then thats the only proof I have.

I dont have bad credit since my score is XXXX but I would like to have these marks corrected.

Thank you
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX