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

XXXX removed the XXXX / XXXX  XXXX account but it still shows on XXXX and Experian and should be removed in full! This is a violation of the fcra and who ever does not remove the account will be sued in court
Product: Credit reporting or other personal consumer reports

Subject : Final Request for Correction of Credit Information Before Formal Complaint I am writing to you once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my mortgage account number XXXX. Despite my previous letters dated XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score.

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report. Attached are copies of the previous correspondence and any additional documentation necessary for your investigation.

Details of the affected payments are as follows : 1. *Date of reported late payment* : Multiple instances across the two-year payment history. 
- XX/XX/XXXX : 120 days late - XX/XX/XXXX : 90 days late - XX/XX/XXXX : 60 days late - XX/XX/XXXX : 30 days late - Multiple instances in XXXX showing late payments of 30 days. 
2. Date the statement should have been received : [ the 1 of the month to 16 of the month.

3. Actual date the statement was received : after the date that they supposed to post it. 

If the necessary corrections are not made within 15 days of receipt of this letter, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions necessary to protect my rights.
Product: Student loan

I have had XXXX disbursements between XXXX XXXX and Department of Education, now known as Navient. One year I sent in a check for XXXX specific loan which was higher interest. The following month, every other loan took more out of my monthly payment to make up for overpaying the other loan. I have had loans separated into individual groups to ensure the overpayment does not effect the other payments. Why do I have to do this? At least twice after that I was told that everything was all set and payments would continue to withdraw and apply at the same amounts which did not. One time they did not restart the ACH payments for the next month which cost me more money toward interest. I would like CFPB to review my payment history and the number of times the amounts " due '' have changed every time I overpay. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was reported back in XXXX and XXXX as a Fraud account and removed from my credit reports. XXXX placed a collection on my reports which lowered my score XXXX points. I owe no collections and my reports are perfect. This account is Fraudulent as reported in XXXX. You have 5 days to remove this from my credit bureau reports or I will file civil action for collecting a debit not owed and that has been previously reported as fraudulent. My personal information has been involved in a large amount of data breaches. 

You are in violation of the Fair Debt collections act for reporting an account that has already been reported as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account # XXXX 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 an account without my written instructions They are not able to provide me original contract with my signature, also this account has reached statue of limitations and should be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for XXXX XXXX  and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain XXXX  due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

I believe my home was paid off after XXXX XXXX when ny husband died. No more statements and a broker search found no open mortgages. 2 /3 years later Get statements from Caliber Home Loans, never heard of them and XXXX XXXX served with papers for foreclosure. I wrote NYS DFS and contacted Caliber and Caliber did not have me on for any foreclosure bur I was getting papers from XXXX For XXXX. The week of XXXX my former attorney ( friend in community ) emails me Notice of Sale docs filed with no date but I had a XXXX done Title Analysis which suggests Fraud and said I have case and neither Caliber or XXXX or XXXX are listed anywhere. It lists XXXX XXXX XXXX which is paid off satisfied. It also states {$120000.00} from a closing in XXXX that we were told was an error and looks like it was filed and attached to our refinance. I need to halt court actions while we can prove false, fraudulent documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inquires that I have not authorized on my credit report and I would like for them to remove immediately.
Product: Debt collection

Company agreed to removed debt from XXXX and XXXX report on XX/XX/XXXX and XX/XX/2016. No longer responsible for debt agreed to remove
Product: Debt collection

After I've made the total balance due amount of {$4200.00} to the creditor, Grant & Weber is still posting {$1800.00} as an collection charge on my XXXX credit report and deny my dispute in multiple times.
Product: Checking or savings account

Chase offers an online external transfer service, which I set up to transfer to/from another bank and I validated the " trial deposits. '' When it was confirmed I could make a transfer, I initiated a transfer, which was held for suspected fraud. 
I called and, per attached, Chase says they can not verify my identity because I do not know the DOB of my divorced brother 's first wife 's mother. 
I immediately travel to the branch and show four forms of ID ... doing exactly what Chase asked. But rather than clear the transaction, they then " reject '' it. 
They then tell me that in order to do an online transfer, I must set up a three-way call with Chase, myself, and the other bank. Totally ridiculous ... there is no mechanism to do that. 
So I'm then left with no other choice but to wire the money ... thus paying a {$35.00} fee to Chase.

Chase has designed an anti-consumer process by which customers are denied access to the free, online ACH transfer service leaving them to pay {$35.00} to transfer money, thus increasing Chase 's share price.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already disputed this account ( XXXX XXXX XXXX XXXX XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted from my credit reports as a fraudulent account. However, when I got my monthly updated credit reports today XX/XX/2021, a newly added account appeared in my reports under the same name ( XXXX XXXX XXXX XXXX ) & account number XXXX & is reporting negative. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.
Product: Credit reporting or other personal consumer reports

I have filed a dispute in regards to incorrect items on my credit report. 
It has been well over 15 days and this information is inaccurate.
Product: Debt collection

Please be advised that CMRE is attempting to collect the alleged debt listed on my credit report. I previously requested verification of debt and I did not receive any proof that this account belongs to me. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that CMRE absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed I am re-sending an Identity Theft Victims Complaint and Affidavit supporting my position, and a a copy of a Utility Bill to prove my residency during the time the disputed account was opened. As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Victims Complaint and Affidavit, you are required to cease furnishing the information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please close the account, remove the account from my credit report and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter on XX/XX/2021, to all credit bureaus requesting validation of my accounts listed as derogatory. A period of 30 days had passed and I havent received any responses. I am worried that my records may influence my FICO assessments.
Product: Mortgage

In XXXX of XXXX I entered into Forbarence with XXXX XXXX Loan Care Mortgage Servicing company due to the current economic climate at the time. This process was all submitted online, without ANY over-the-phone communication from XXXXoan Care. My Forbarence was approved fairly quickly and I was told to STOP making my mortgage payments until the end of my forbearance period. ( XX/XX/XXXX XXXX Fast Forward to XX/XX/XXXX, I called to make my first payment out of forbearance and a representative informed me my Forbarence " Exit '' package had not yet been completed and to hold off making XXXX payment, and to Call back XX/XX/XXXX. 

XX/XX/XXXX, I called back and was finally able to make my first of 3 payments of my " probation '' period and was told if I missed any, my loan modification could be held up further. Mind you, I had STILL not heard from ANYONE from Loan Care on how this process would look, nor was I ever given the opportunity to speak with XXXX XXXX after calling his office MULTIPLE times. 

XX/XX/XXXX, I called Loan Care again and made my second of 3 payments, with still no communication from XXXX or any representative on my forbearance package. 

XX/XX/XXXX, I made the last payment within the " probation period '' and was told I would hear from a representative regarding my new loan modification agreement and papers would be coming in the mail for me to sign **NOTE : I do want to add, every time I spoke to a payment processing agent, they were all shocked I had not heard from anyone within Loan Care regarding this entire process ... 

The last week of XXXX, at some point, I received a FedEx package with my new loan modification that showed an additional {$15000.00} had been added to my loan without ANY explanation on how or where that number had come from. The loan modification package explicitly states, I have 7 to sign all documents of the loan modification, have them notarized and sent back to Loan Care or I would revoke my loan modification option. The document, in no way, provided any contact information for questions regarding the modification agreement other than " Contact you Loss Mitigation Representative '' I have tried to contact XXXX, ( mentioned above ) multiple times by phone and email with NO response. When I call Loan Care they do not even give me an option to speak to someone OR input an extension, it is simply an endless loop of automated messages. I ALSO can no longer call to make a payment over the phone, nor can I make a payment online. This company completely went DARK. 

I am in the process of trying to do a VA XXXX XXXX, however, non of my mortgage statements have been updated and they all read I have been late on the payment since XX/XX/XXXX which clearly violates the Cares Act Mortage forbearance guidelines. 

Being a XXXX Veteran with XXXX, this process has been EXTREMELY stressful on me and my family and I feel like I am being held hostage by this company. I just want to refi my loan to a lower rate, and cut ALL ties with this Mortage company ASAP
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 XXXX XXXXXXXX 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: Debt collection

The debt that was claimed to owed is past the timeline and can no longer be collected by national recovery agency due to it being past time it is needed to be collected on XX/XX/year>
Product: Mortgage

In XX/XX/year> our mortgage was bought by Mr. Cooper. We had no issues with XXXX when it came time to reassess our taxes. 

Since we've been with Mr. Cooper, while our taxes have increased by {$620.00} ( with our mortgage staying the same since we were moved to this company from XXXX ), Mr. Cooper is stating that our escrow balance is- {$3800.00} and that with our newly released taxes we own almost {$7000.00} in escrow and our mortgage will go from {$1800.00} to {$2800.00} starting next month. 

We have stayed in the same home for XXXX  years and we have NEVER had an escrow jump like this ever under XXXX. Now that we are owned by Mr. Cooper suddenly we are {$7000.00} in debt? Our taxes have only gone up {$620.00} from last year. Please, please look into this. I do not know how we are going to keep our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be REMOVED immediately. 

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 deposited a check in the amount of {$410.00} in my Chase account. However, for some reason they refuse to release it until XX/XX/23, and they've been charging me all sorts of fees despite the account being in the positive. This is unethical and against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 'Personal Loan ' for 'Transportation/Vehicle ' ( NOT CONSIDERED ) Due to 'Credit Reprt ' ( VICTIM OF FRAUD SINCE XXXX ) US DEPARTMENT OF TREASURY ( IRS WHISTLEBLOWER OFFICE ) Reference Claim Numbers : XXXX, XXXX, XXXX, XXXX ( Dated XX/XX/XXXX ) Based on Previous ( Consumer Financial Protection Agency NON-ACTION )
Product: Debt collection

Mariner Finance keeps calling me about my loan payments. The calls are non stop about the loan payment I owe them. I am a XXXX XXXX  and some days I don't feel good. Plus they never responded to the XXXX  complaint I filed against them a couple of months ago. And they are reporting late payments that are not accurate. I recently paid them XXXX dollars for two loan payments. I need to have the late payment status corrected and I need for them to stop contacting me for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have tons of old debts, collections, and charge-offs on my credit file. Some are very old that should have fallen off by now, and some that may show inaccurate amounts. I was turned down for being pre-approved for a va home loan. However, these old debts were calculated and mostly the ones I paid in full. 


1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX ( inaccurate dates ) account was opened XX/XX/XXXX in XXXX XXXX Utah located at the XXXX inside of XXXX XXXX 's building when I was in training to become a XXXX XXXX. Date is showing I opened this acct XX/XX/XXXX. This information is false. 
5. XXXX XXXX XXXX XXXX 6. XXXX is still on my credit file after 8 years and payment in full. 
7. Ford Motor Credit was supposed to settle this debt after the SCRA case was closed.
Product: Credit card or prepaid card

Per a XXXX add on XXXX, I ordered XXXX XXXX XXXX XXXX .bank America Visa card XXXX XXXX XXXX XXXX on XXXX the morning, 1 hr later I called back to cancel order XXXX XXXX XXXX Per XXXX @ XXXX XXXX XXXX No problem. 
On XX/XX/XXXX preliminary billing Appeared on my visa card {$110.00} Told it was just preliminary and would drop off. 
XX/XX/XXXX true billing appeared Called was advised they are just a Tela marketing ( all Connect ) I need to call XXXX to cancel my instal date of XX/XX/XXXX Called XXXX XXXX XXXX XXXX XXXX will cancel immediately. 
Called XX/XX/XXXX XXXX said it takes 3 weeks Tried to issue a dispute with Bank america, Advised give vendor 30 days It takes 30 seconds to bill But 30 days to issue credit
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$210.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent dispute letter to request to remove the fraudulent inquiries because I never authorized them on XX/XX/2024 and got no response and they need to be removed pronto.