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

I recently received a copy of my ( XXXX, XXXX, or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : XXXX 2020 you reported that my transaction was 30 days late. 
XX/XX/2020 you reported that my transaction was 60 days late. 

THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( CB INDIGO/GF ) Making the report is not INCLUEDED on my Consumer report! 

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
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 delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

recently my information has been stolen and these are fraud reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquires Equifax Mortgage Services - XX/XX/XXXX Certified Credit Report - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Customer service wouldn't take care
Product: Debt collection

On XX/XX/XXXX I purchased XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX I decided that I want to pay both devices off and switch couriers to suit my financials after Covid. When I paid off the devices I have a receipt that states that The devices are paid off and my account is closed and also That I dont owe anything. But XXXX told me that they dont give out receipts when people pay off phones so I had to go in store and take a screenshot. When I switched couriers to XXXX XXXX for cheaper services on XX/XX/XXXX I had them for about 4 months or so. My wife bought me a new phone from another courier so now we no longer have XXXX we have the courier she got the phone from. The first letter I received was on XX/XX/XXXX saying that I owe a past due balance of {$600.00} and that my account is suspended for non payment. I started calling XXXX everyday and they couldnt even tell me how they came up with that amount and why am I receiving letter in XXXX if my account was paid off and closed in XXXX?. So I received another letter stating that I owe {$720.00} and my account been deactivated. So I started back calling XXXX asking about the amount and they still couldnt tell me how I owe that amount. So generally speaking that it takes a phone company 4 months to cut off a phone line due to non payment? Why would I pay anything if For 1 I dont owe anything, for 2 I dont have the service with them, and for 3 account access was denied for me to even log on after I paid everything In full. Then threatens me to pay it or they will put the collection on my credit which they did. So the amount ended up being a collection on my credit and I disputed the debt because its not mine and it got deleted but came back with a different creditor. This collection has been taking a toll on my credit for way too long and the credit bureaus just keep saying that they validated the debt. I never missed any payment with XXXX I never had any late payment on my bill and I paid my devices off. This has to be a misunderstanding
Product: Debt collection

I sent a debit valeted letter requesting to send proof of original signature. Proof of chain of title Has any insurance claim on this debt I never get any response and its affecting all two of my credit scores XXXX and XXXX XXXX please help.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a consumer-defined under 15 USC 1681a ( c ). I noticed a charge off XXXX XXXX XXXX XXXX on my consumer credit report. According to the XXXX, a charge-off is defined as a certificate of indebtedness, meaning it is income and must be removed. Why are you reporting INCOME on my consumer report? The law says it's illegal to report transaction history. If not removed, I will file legal action. In Good Faith With Prejudice XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I recently transferred funds from coinbase to XXXX ( XX/XX/XXXX ) and the funds went through. I then transferred the funds to my XXXX address XXXX and see that my transaction is pending in coinbase but says sent in XXXX. When I grab the transaction hash from XXXX it shows that it is invalid. Left 3 trouble tickets XXXX ( case id : XXXX ) coinbase ( case id : XXXX and XXXX ) and called support afterwards they told me they would look into it and 4 days later nothing no transaction on the blockchain. Support told me to submit a ticket which I have and of course they never respond. I transferred XXXX litecoin and really want get rid of my coinbase now but am stuck dealing with this. I 'm not about to lose XXXX and still need to send XXXX litecoins but am afraid they will be lost too. When i entered the txid hash provided it shows invalid on the blockchain XXXX XXXX XXXX XXXX XXXX also shows 0 confirmations in coinbase. I feel this is the only means to try and get this resolved.
Product: Mortgage

I have had a string of problems with Essex Mortgage, the most recent being that I got a little behind and decided to take them up on their offer to refinance me with an assistance program. While my account was " on hold '' with the Loss Prevention department, someone mislabeled it and it was incorrectly reported as being in foreclosure.

The week they were calculating the new mortgage...

And it sunk my credit store significantly for that week...

And then they corrected it. Now my credit looks like it never happened... 

BUT ... they added 10 years, nearly 1.5 percentage points, and a XXXX XXXX balloon pament to my mortgage. 

I'm no mathemetician, but that must be a much bigger amount of money they plan to collect if my total monthly savings on that deal is only {$100.00} bucks. 

But nobody can tell me the credit score this was calculated on, nobody will call me back, and they're now demanding that I pay them almost {$10000.00} on XX/XX/XXXX because they're billing me for all of these months that it was supposed to be frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Discover credit card account was removed from all three credit bureau due to identity theft however within 30 days XXXX  put the item back on my credit report without even notifying me, which is a violation of the FCRA because this item is now back on my credit report, my Fico score has dropped 87 points
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files.

XXXX XXXX XXXX XXXX : {$0.00}
Product: Student loan

Confused how naviant is using my payments on the loans. Cant call them because need a lawyer. The XXXX me everytime in repayment. I have bill and the make my payments to what ever loan to charge more interest. Naviant is defrauding the American student. Put lates for no reason on credit report and lie
Product: Credit reporting or other personal consumer reports

Attn : Experian Fraud Dispute Resolution XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Fraudulent Accounts Dispute To Whom It May Concern, I, XXXX XXXX, do hereby state that the following accounts/creditors reporting on my credit report are fraudulent and were never obtained by me or with my consent : 1. XXXX XXXX : Good Standing - Reason : Fraud - Not my account - Account # : XXXX - Amount : {$5500.00} / {$8900.00} - Date : XX/XX/XXXX - Type : Personal Card 2. XXXX XXXX : Good Standing - Reason : Fraud - Not my account - Account # : XXXX - Amount : {$5000.00} / {$7500.00} - Date : XX/XX/XXXX - Type : Business Card I am attaching copies of the following documents for your reference : - Current FTC Identity Theft complaint - XXXX XXXX letter explaining I was a fraud victim - Letter associated with a previous mailing address from the XXXX data breach On XX/XX/XXXX, I spoke with an Experian representative who suggested that my current FTC complaint would assure the deletion and blockage of these creditors. 

Please remove and delete these accounts and all inquiries associated with this company, as I never authorized them to obtain or use my personal information. 

Additionally, my mailing address, phone number, and email are incorrect and should be updated by Experian to the following : Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone Number : XXXX Email : XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Include : XXXX XXXX - notarized copy Update : Address & Number
Product: Credit reporting or other personal consumer reports

XXXX. Subject : Request for Reinvestigation and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by credit agency. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On [ XX/XX/2024 ], I submitted a dispute to regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process.

Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Debt collection

My Capital One Bank Credit Card was discharged in XXXX  of XXXX. 

The XXXX Capital One Account is still on my Credit Records Report.

Capital One needs to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number XXX-XX-XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities With fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My XXXX XXXX - XXXX XXXX XXXX. My Address - XXXX Northside XXXX XXXX XXXX, GA XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ). I am a federally protected consumer and I have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX has been disputed on 4 occasion since XX/XX/2021 ; however, I have not received any correspondence for them. The credit bureaus has not been able to validate this account. There is a lot of inaccurate information reported to this account that is hindering me.
Product: Consumer Loan

I purchased a car from JD Byrider XX/XX/XXXX. XX/XX/XXXX the vehicle was damaged in a severe storm. The insurance company claimed it was a total loss. The company asked and I agreed to continue to make the payments until the claim was completed as good-faith. When the insurance company 's adjustment was completed the difference between what was owed on the loan what they would pay ( the replacement cost ) was over {$5400.00}. After several attempts by the company to pressure me into another similarly over-priced vehicle I declined. I, instead opted for an agreement that I would pay the {$500.00} deductible and the company would forgive the balance after receiving the it along with the {$6400.00} check from the insurance company. I asked for this in writing and received it a few weeks later. When it was confirmed that the insurance company 's payment was made I attempted to pay the deductible and asked for a release of debt letter but was turned down by the woman at the payment office. She said that I owed {$5400.00} before I could get any release from my debt obligation. After numerous attempts to get the company to honor their agreement that was in writing I noticed that I had a charge-off on my credit report. Many months later they continued to not honor this agreement and my credit was severely impacted. I also notice that they had listed it a second time on my report from a different office. XX/XX/XXXX I contacted this second location hoping to get some relief and a reversal of this erroneous credit rating. After reviewing a copy of the letter the second location agreed that they would accept the payment and restate on the credit report paid in full as agreed. To my astonishment a week later the account was reopened as now paying. When I contacted the location again I was being lied to and the issue has not been resolved. I am now pursuing legal action as this has cost me tens of thousands in additional interest because of the negative impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter with respect to mistaken and obscure things on my credit report. Right up 'til today, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being disregarded. Section 611 ( a ), It expresses that inability to research these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased immediately. I request that these records be erased quickly or I will petition for case because of the pressure you have caused me. My data was likewise affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was attempting to refinance my home, when the Loan officer pulled my credit and advised my of this collection/foreclosure on my account. I have never owned a home until XX/XX/2019 and I have never had a mortgage with Washington Federal Savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. 
Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Checking or savings account

On XX/XX/XXXX my husband drove up to the Bank Of America drive thru ATM located off XXXX XXXX in XXXX XXXX CA. He went to deposit {$1600.00} dollars for rent into our checking account ending in XXXX. When he put all the money in the deposit slot, it asked for him to remove the money ( probably because it was too much ). As he was reaching to get the money the slot closed on him. He never received any receipt or any proof of the deposit and his card was spit out. He put his card back in to check the balance to see if the money was in our account, no deposit had been received. 

He called me on my cell to let me know what happened, I told him do not leave the ATM machine and that I will get a hold of someone inside the bank for them to come out. I spoke with XXXX the manager and told him what was going on and he said he would go outside to help my husband. I called my husband and told him that the manager would be outside and while he was waiting he was telling all the customers parked behind him that he was not leaving because the ATM took his money. XXXX came outside while I was on the phone with my husband and asked him to put his card back in to try and deposit more money to see what the machine said. It said deposit was temporarily unavailable and XXXX told him to do the same thing for with drawling money and it said the same thing temporarily unavailable. XXXX told him he would have to come inside to fill out a claim. He also let us know that their is a 3rd party that comes out to fix the machine and counts the money and that it could take up to 45 days for our claim to be resolved. 

Everyday from XX/XX/XXXX to XX/XX/XXXX I called BofA claims to see what the status was and that I needed our money because we had to pay rent. All they could tell me is that they would escalate it up and that the earliest our money would be in our account was XX/XX/XXXX. On Friday XX/XX/XXXX I received an message saying that the claim had been resolved and that all money was accounted for and that no money was owed to us. After receiving the message I called BofA claims and told them about the message, they told me that all money was accounted for and that nothing is owed to us and there is nothing that they can do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX 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 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: Mortgage

I have vehemently protest and demand that Service First Mortgage recalculate their Escrow amount as my monthly payment on a 30 year fixed 4.5 % interest FHA loan went up by over 15 % from {$2200.00} to a ridicules {$2500.00} I have tried to explain to them this is because of a faulty algorithm the company uses. The amount in escrow and payments were due to insurance claims for a replacement roof, not from regular escrow transactions. These were not real escrow overages or shortages, and certainly not worth a {$3600.00} additionally annually. I am willing to pay the overage for the time being, and the extra {$300.00} but it will be applied to the principal not escrow. This needs to be resolved ASAP COVID-19 virus or not. I have sent copies of this inquiry to the Texas Office of the Attorney General and to the CFPD. With my annual Taxes and Home Owners insurance not going up, there is no reason to be increasing my monthly payment by over 15 %.