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

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

We have a CITI Double Cash credit card and prevented from obtaining Cash Rewards earned. We access information at CITI website and learned 1-we have {$33.00} in cash rewards but unable to access or use cash rewards earned and 2-noticed a bogus charge of {$10.00} from unrecognized vendor but, again. no practical way to contact CITI. Have tried to phone numbers from CITI website, XXXX and then tried XXXX. Neither responsive to problems above, i.e., cash rewards of {$33.00} nor bogus debit on our account {$10.00} charged by unrecognized vendor. Cards issued to XXXX and to XXXX XXXX both ending in XXXX. Back of cards : " World Elite '' and Mastercard. 
XX/XX/2021 email : XXXX XXXX
Product: Mortgage

I had financial difficulties in XX/XX/XXXX and filed for bankruptcy. I was not able to make the mortgage payments in the agreement and the bankruptcy was discharged XX/XX/XXXX. The Lender Rushmore Home Mortgage LLC proceeded with the foreclosure on XXXX XXXX, XXXX the day before auction I filed again for Chapter XXXX. Through an inheritance I now had the reinstatement amount due of approximately {$130000.00}. I then instructed my attorney to dismiss the case so I could pay back the reinstatement amount due. The dismissal was official XXXX XXXX, XXXX. I immediately called and left a message with XXXX XXXX XXXX regarding the procedure and reinstatement. I have XXXX XXXX emails XXXX/XXXX/XXXX stating, she received my voice mail and " I have requested the fees and costs for the Foreclosure. Once received I will forward. I have attached the wiring instructions to wire the funds. '' XXXX XXXX, XXXX subsequent email from XXXX XXXX states : " the reinstatement will be not completed until XX/XX/XXXX due to the foreclosure fees and costs. '' The next XXXX/XXXX/XXXX email states : I am sorry to say the foreclosure sale date was completed yesterday and the property reverted to the investor. ''
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I made a payment to Carrington Mortgage Services , LLC for my mortgage payment on XXXX/XXXX/15 ; including the late fee ; and Carrington has since marked my credit reports 30 days past due for XXXX and XXXX, and XXXX payment is not yet 30 days past due ( current date XXXX, note date is due on XXXX, XXXX day past due would be XXXX ) I would like for Carrington to resolve their violation of the FCRA by correcting the reporting on my Credit Reports.
Product: Checking or savings account

XXXX {$24.00} XXXX {$320.00} XX/XX/XXXX {$36.00} XX/XX/XXXX {$340.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$35.00}. 
Total : {$1200.00} XX/XX/XXXX {$100.00} {$110.00} {$110.00} {$100.00} {$100.00} {$100.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$4800.00} XX/XX/XXXX {$24.00} {$1700.00} Its on camera I didn't do these deposits or withdrawals. Wells Fargo says it doesn't go against there policy for fraud. Its over {$9000.00} {$9200.00}
Product: Credit reporting or other personal consumer reports

I applied for a car with XXXX XXXX  and the used my information with other companies, 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

I just noticed that there have been several inquires that have been added but someone that have stolen my information. THIS IS FRAUD
Product: Credit reporting or other personal consumer reports

There are several inquiries on my credit report without my knowledge. 

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. Codes & 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. 

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

We have been trying to get BSI to pay our delinquent taxes since XX/XX/XXXX. They were given over XXXX at the time of closing in XX/XX/XXXX but failed to pay property taxes. We have repeatedly tried to get them to pay our taxes and they will not respond with a full accounting. To date they have collected well over XXXX in escrow but now we are getting late payment notices on our insurance too. They refuse to return our funds so we can bring them current yet they are raising our escrow. We dont owe the amount they are making us pay each month and yet they dont pay us interest and they wont pay our bills or return our calls. This is ruining our perfect credit scores too.
Product: Mortgage

I applied for a hardship modification after I lost my job in XX/XX/XXXX. I was told over 4 months ago, I would get paperwork in the mail and in my portal to finalize my loan modification and adjustment. I haven't received anything. I have sent countless emailed about this, and spoken to someone twice in their mitigation department twice about this matter. Nothing has been mailed to me regarding this. 

I was also advised XXXX and XXXX mortgage was waived due to modifications. My new mortgage pay I ment was {$1600.00}. As long as I made XXXX, XXXX, and XX/XX/XXXX payments on time. My payments would remain the same. 
That was a lie. They said, I would reieve paperwork in the mail and portal to finalize my loan. That never happened. They advised me XXXX and XXXX XXXX payments were waived due to my financial hardship. I didn't have to make the payments. I advised them, I didn't have the money to make the payments at the time, due to being unemployed. I was scheduled to start a new job., however my start date was still a few weeks out. 

They can go back and listen to the recorded conversation with the represetative. 

However, they never made any of these corrections. They kept reporting me late to the credit bureau. Driving my score down over XXXX points for the past 3 plus months. They have just increased my mortgage again, and now claiming, I owe them over {$8000.00}. I have no idea why. These people, are trying to take my house form me. Thi is fraud. 

I shouldnt have. apast due balance for XXXX and XXXX of XXXX, if those payments were waived. I shouldnt have late fees. Why was my morgage raised to {$2200.00}. This makes absolutly no sense. 

Its showing a past due balance on my statement. They also reporting me as late to the credit bureau for being behind on my mortgage. This has caused my credit score to drop over XXXX points. 

I have reached out countless times, via phone and the portal, I have recieved no response. They have also made no efforts to correct this issue or this error. They have destroyed my credit in gthe process. This is not right. 

I have done everything ask. I have been making the mortgage payment for the new modification amount. Where is the paperwork, I was advised I would receive to finalize the modification? 

I would also like for my account to be updated and not show over {$8000.00} of past due babakce. I am not tbehind or late on my mortgage. I was advised I didn't need to make XXXX or XX/XX/XXXX payments, due to my financial hardships and being unemployed. You have continued to report me to the credit bureau without cause. 
This is not right. Go back and listen to the recorded conversation I had with the mitigation dept. That is the department who I spoke with. Thank you.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Info XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Collection/Charge OfXXXX XXXX XXXX XX/XX/XXXX {$410.00} XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

For some crazy reason when my mortgage was refinanced it duplicated. I received a new rate of XXXX XXXX and is paying the new loan with them, and still is ( loan # XXXX ). On the other side the old loan was sent to XXXX Mortgage that was a error on Village Captial end ( loan # XXXX ). It was supposed to be corrected like I was told, but its not. It is still showing up on my credit. I only have XXXX home loan. They refuse to help me over the phone and keep giving me email addresses to departments that dont go through or answer. I did this a few times and the last time I did it was on the XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked and provided experian with proof of my identity, as required by them, experian, a form with my information such as name address date of birth social security and etc. Along with my government issued identification ( drivers license ) and any bill such as my auto insurance statement that includes my address. My reasons for this is that i have asked with provided proof that fraud alerts be removed and instead of doing so made matters worse like for example they added another fraud alert for 7 years. I am extremely unsatisfied with this matter.
Product: Credit card

Current credit card with Capital One is not able to be paid due to Capital One internally listing my personal bank account as invalid. Because of this issue, it has become an undue burden to pay outstanding balance on the credit card. 
After getting in touch with Capital One, I was instructed to mail a statement from my personal bank detailing my bank account for Capital One to process and lift the hold ( which would be processed in XXXX business days ). After over XXXX weeks of waiting, this issue has yet to be rectified and we are still unable to pay my outstanding balance. I now run the risk of incurring interest fees or negatively impacting my credit score with no help from Capital One on next steps for resolution.

Given that Capital One has yet to resolve the underlying issue, I am looking for help from the CFPB for appropriate resolution on the matter and to ensure additional customers are not unduly impacted like in my own personal scenario.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account XXXX and XXXX XXXX XXXX account XXXX both should be deleted from my credit file according to the settlement agreement documents that I have attached to this dispute. I mailed the attached documents on XX/XX/2020 via certified mail for investigation. I have not been notified of any conclusion as of yet. The attached documents show that I settled in full both accounts and that XXXX XXXX XXXX will request deletion of both tradelines from my credit file.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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 XXXX, my XXXX, my XXXX XXXX XXXX and to my XXXX! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed 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 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of each mouth I have a credit score, it is over 800 every time. About 10 days later my credit score closes to XXXX. I have called and emailed Experian over and over for a year, with the same generic reply every single time. I tell the its a problem with their programming. But still they dont fix it. This has became a financial burden and needs to be resolved. Any help will be greatly appreciated. 

Thank you, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states 604 A section also states a consumer reporting agency can not furnish without my written Instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open card account under an open consumer credit plan as late for and purpose.
Product: Credit card

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, I would like to request to correct thy companys habit of writing letter. For three times, I have received a paper, which says update on your claim. However, these letters, at least two of them, do not have any claim number ; therefore, I do not know what kind of information thy company want. As far as I remember, I have sent many documents to thy company and other companies. And, simply, I do not know what I have sent. Also, I do not know what kind of claim number you have made to my papers. At least, as far as I see, there is the claims regarding XXXX and XXXX XXXX XXXX, both I can not understand what going on. XXXX asks sometimes some survey, which asks about its horrible service. Toward them, I just give the negative answers ; therefore, I believe it does not know what it should do ; even if there are some inquiries how to connect with me by my fans and customers, because I still use the business cards with the business address connected with XXXX. Regarding XXXX XXXX XXXX, I just stopped because its offered package was mysterious, and I believed myself it charged even though I canceled. And there were unexplained insurance activities regarding this office, too. I am certain I sent more information to thy company regarding insurance companies. Therefore, without any claim numbers, I can not send any information to the provided address. Anyway, I just want to ask you whether you ever have had to give me the claim numbers so far properly. I just hope you stop sending the document, which does not have any claim number ; otherwise, it causes uncomfortable feeling to neglect my feeling and cause uncomfortable sense. 

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

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated according to consumer law 15 US Code 1681i it is my right to request this. The inaccuracies are highly injurious to my credit score. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously written letters to notify you ( Capital One ) ( XXXX ) ( XXXX ) ( XXXX XXXX ) of the innaccurate and unvalidated information. 
I recently received a copy of my ( XXXX, XXXX, XXXX XXXX ) consumer reports, and I noticed accounts reporting that are a violation of my rights. 

AS A FEDERALLY PROTECTED CONSUMER ; AS MY CONSUMER REMEDY FOR THESE WILLFUL AND NON-COMPLIANT VIOLATIONS. I DEMAND THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. 

Capital One Credit Card Acct # XXXX Consumer Reports Reporting as Closed Account Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any 15 authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be Excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which states, 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. Notice, Congress said ANY card. 

The credit card is my Social Security Card. This is the credit card used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS AT THE BANK LOOKING TO BUY A HOME WHEN THE BANKER LET ME KNOW THAT I HAD ACCOUNTS, ADDRESSES, AND NAMES ON MY CREDIT REPORT THAT WAS NOT MY DOING THESE ITEMS ARE HURTING ME FROM BUYING A NEW HOUSE FOR MY FAMILY AND STOPPING MY BUSINESS.