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

My credit report is showing me late 4 times ( XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have not been late ever. I pay my full mortgage each month by sending in bi-monthly payments. Mr. Cooper has acknowledged this and keeps saying that they will correct it with the credit bureaus. However, it remains incorrect with the credit bureaus. I have filed several disputes with the credit bureaus. Each time the disputes are closed it says the information is updated but it remains the same. 
I have been trying to refinance each month since XXXX. Each time the process comes to a halt because Mr. Cooper still shows me late on 4 payments. Even though the reps can see that I have not been late they tell me that there is nothing that they can do and that I should try again next month. This is completely unacceptable. I could have possibly missed some of the best interest rates for refinancing due to bad customer service from Mr. Cooper. Although I have been trying to refinance with them this makes me want to refinance with a different company once this is resolved.
Product: Debt collection

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on PERSOLVE , LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had credit account ( s ) with XXXX office of XXXX XXXX XXXX XXXX XXXX. Account ( s ) were late but when the XXXX Office closed account ( s ) paid off in full XXXX. Shows on report collection and it continues to be sold to credit collection companies who continue to report false information to all 3 credit reporting companies. When wife sold home after divorce records in attic not recovered. This filing is over 13 years old and should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I paid this card in full. I am currently considering purchasing a new car however I have been waiting for my credit score to go up. 
As of the XX/XX/XXXX I noticed that they were/had not reported the payment to the credit bureaus ' while the other 7 cards that were paid the same day had. I call XXXX and asked them why they hadn't reported it and they said they would on the XXXX. On the XXXX, today, I checked again and call XXXX and we told that they don't report until the end of the billing cycle. I know for fact that is false, I have another card with the them that showed paid in full right after payment. 
When questioned and escalated to a Manager I complained and asked for a letter today to be faxed to me to state as of today, XX/XX/XXXX that the account was paid in full, they again refused. 
XXXX can not pick and chose who and how they report when this is a case of adverse reporting. 
I would like to file a complaint as to the business practices in respect to the fair reporting act.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. LOAN opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Mortgage

I took out a loan from them in XXXX of 2021. I had a previous loan that the renegotiated with me. Since the one year from the first loan to the second, they had changed their funding formula. I went to great pains with their rep to make sure I understood this new formula, because it was different than the first. I wanted to make sure that it was comparable. They even created comps to show me how it compared to my old loan. How the total payoff was similar depending upon the loan amount. When I asked for a buyout amount, it was completely different. I'm including emails from the rep with these figures as well as the buyout offer and the contract. Let me know what you think.
Product: Debt collection

i learned of a fraudulent account with conns home plus after months of going back and fourth with conns I've gotten no were. conns home plus has called me up to 26 times a day they have degraded me and harassed me. I've been called a loser and a dead beat. I've asked them too please stop calling me but the calls keep coming with no end. I've tried to explain that my mother has used my identity sense i was a child i believe she did this to get things she needed with the intention of paying this account. i did not open this account give permission or had knowledge this account was opened.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$6400.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a payday loan from Advance America. Loan # XXXX I've contacted them 6 times to explain I DO NOT have enough funds to cover this loan. They WILL NOT respond. They keep telling me they will call or email and they never do.
Product: Mortgage

I began the loan process with Frontline Financial LLC if XXXX XXXX XXXX, UT on XX/XX/20. I was told that their process was unique that your file went underwriting first to get a full approval instead of a Pre-approval which I thought was a great fast process. After several months of home shopping and being constantly encouraged to find a home soon by Frontline I found a home that I placed an offer and was accepted in the home on XX/XX/XXXX. I was asked to submit my requested information which I did before the anticipated closing date of XX/XX/XXXX. The company is now not giving me the correct information to close and constantly are changing the required documents needed to close. I can never reach anyone by phone from the mortgage broker or loan processor. My home desk is in jeopardy of falling through due to Frontlines unprofessional and shady business practices.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in accordance with The Fair Credit Report Act, Public law XXXX, XXXX VI, Section XXXX. 
Please provide the names 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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Equifax was XX/XX/XXXX with complete attachments of my Personal information, but despite all my efforts, Equifax seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Equifax investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Equifax to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EQUIFAX REMOVE THE ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7400.00}, ( Original Creditor : XXXX ) XXXX XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Company did not provide me with physical documents verifying that the debt is mine, along with the signed Hippa rights. I have already filed an dispute. It remained. There are 2 XXXX Accounts on my credit file. I would like for them to be removed.
Product: Credit card or prepaid card

On  XXXX / XXXX / XXXX , Discover called about a payment. During the conversation, I offered to pay the balance in full if Discover waived interest accrued on the card in calendar year  XXXX .     The first agent was not authorized to make this transaction, so they forwarded me to a second agent. The second agent offered to waive two months of interest. I declined, and requested escalation to an agent authorized to grant my request.     The third agent stated that the second agent " was unfamiliar with your account type '' and the figures the first and second agent gave me were incorrect. He stated that they were not authorized to waive two months of interest. I requested escalation.     The fourth agent said that Discover could not waive more than one month of interest. I reiterated my offer : waive interest accrued in  XXXX  and I would pay the balance in full. The fourth agent again stated that Discover could not grant my request. I stated that I would be filing a complaint with the CFPB because of the inconsistent responses between agents.     The fourth agent, after reviewing my account, agreed to waive the  XXXX  interest accrued on my account if I paid in full " tonight ''. I agreed.     The fourth agent transferred me back to the first agent to arrange for the payment. Discover told me that the payment would be debited from my checking account on  XX/XX/XXXX .     Discover did not debit my checking account on  XX/XX/XXXX , as they said they would do. Neither my  financial institution not my Discover online access has recorded the transaction as promised by Discover. Monies moved to the checking account to pay the Discover account in full are now sitting in a no interest bearing account, waiting for Discover to fulfill their commitment, while the Discover  account continues to accrue interest.
Product: Vehicle loan or lease

After transfer of the loan, the payment schedule got confusing and my car was repo, I paid on XX/XX/XXXX the fees to get my car back. They said it would be released in 48 hours it is now XX/XX/XXXX and I have not got my car back. When I call Westlake financial they said they have sent the email to XXXX XXXX, when I call XXXX XXXX they say they havent released the paperwork yet. I have asked to speak with a supervisor at Westlake for the past 2 days and getting no where
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I called to speak to Equifax due to me not able to get an update copy of my Credit Report and Credit Score. I was told to login on Equifax website to retreived the information. Upon log-in I informed the customer rep that the Social Security number on the file was not mine, A dispute was supposedly put in back no information was corrected at all. I got back pdf dispute saying it was verified and accurate which is false. I uploaded a copy of my W2 and 1099 Tax form showing my correct Social Security card to Equifax Dispute Center Confirmation number : XXXX. I will also attached with this complaint. This has been an ongoing nightmare with Equifax and I'm over it. The Customer Service rep are very rude and continues to violate my rights. According to [ 5 U.S.C. 522a note ] ( a ) ( 1 ) It shall be unlawful for any Federal, State or local government agency to deny to any individual any right, benefit, or privilege provided by law because of such individuals refusal to disclose his/her social security accound number. P.L. 93-579 Privacy Act of 1974.
Product: Credit reporting or other personal consumer reports

Disputed Collection Account - XXXX To Whom It May Concern : The following collection has violated my federally protected consumer rights. 

I am writing to dispute the collection account that is erroneously appearing on my credit report. This alleged debt from XXXX was sold to XXXX XXXX XXXX, but I never signed any agreement authorizing this debt or collection actions. 

Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector may not use unfair practices when collecting a debt, including falsely representing the character, amount, or legal status of the debt ( 15 U.S.C. 1692e ). Furthermore, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies must ensure maximum possible accuracy of the information contained in a consumer 's credit report ( 15 U.S.C. 1681e ( b ) ). 

Since I never agreed to or authorized this alleged XXXX debt via any signed contract or agreement, any collection actions are invalid. The collection account on my credit report is therefore inaccurate and must be removed immediately, in accordance with the FCRA 's accuracy requirements. 

Reporting information that you know or have reasonable cause to believe is inaccurate and failing to correct inaccurate information after notice is a violation of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ) ). 

If you do not promptly remove this collection account from my credit report, I will have no choice but to file a lawsuit against for violations of the FCRA and FDCPA and seek actual damages, statutory damages, and attorney 's fees. 

To protect my rights under federal law, I demand that you remove the inaccurate XXXX collection account from my credit report within 30 days. I look forward to your prompt attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well over 2 months ago, I contacted the credit bureaus to correct an error on my credit report. XXXX XXXX responded a long time ago, removing the error. Unfortunately, I have not heard anything back from Equifax or XXXX yet ; despite several attempts to follow up.
Product: Checking or savings account

On yesterday my account started off in the negative, I deposited money via atm and an instant payment deposit to cover the balance. Regions posted and unposted several items in attempt to charge me an NSF fee. Upon reviewing my account I was charged and NSF fee when I had a positive balance on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX  Please repair and update.
Product: Mortgage

Escrow Errors : Based on the escrow analysis dated on XX/XX/XXXX, my monthly payment will increase from {$2400.00} to {$3100.00} due to an increased in both escrow amount and anticipated shortage, with the total amount of anticipated payment increasing from approximately $ 8000/year to $ 16000/year on a property with a value of approximately {$300000.00}. Upon review of the breakdown, I noticed that the anticipated escrow amount is erroneous due to duplicated annual property tax. 

I have contacted customer service since XXXX multiple times via phone and email regarding the issue, and was advised by various customer service agents with various information without an outcome. I have been instructed to email then fax the related tax information to the company without confirmation of receiving as of XX/XX/XXXX. In fact, none of the agents were able to understand from their own system where my status of escrow analysis is, and whether the provided property tax records were received. I was informed that their escrow department does not have an email or phone number and all communication must go through regular mail or fax. I have received multiple letters from the company regarding the increase in monthly statement to {$3100.00} without any information on either acknowledgement or any correction effort of the erroneous escrow estimate, and my account as XX/XX/XXXX still displays {$3100.00} as payment due on XX/XX/XXXX. 

It is worth noting that writing to the company regarding any account error, although indicated as the only method to contact the company regarding this issue on the monthly payment, was never mentioned by any of the agents as a " must '' or even a solution, and I was repeatedly discouraged from frequent follow-up and advised just to wait. It is very unclear with this type of system setup how this company is able to comply with 12 C.F.R. 1024.35.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is making it overly difficult to place a free security freeze on my credit without purchasing one of their other products. The other credit bureaus made the online process very simple. I'm mailing my information per instructions to Experian, but once the freeze is setup I'm afraid it will be overly difficult to remove when applying for credit. Hopefully I can maintain access to credit using reports from the other two bureaus only.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX XXXX XXXX XXXX  account # : XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state.

Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've been trying to resolve my debt with possible finance and when I tried to, they emailed me back & told me that the account was sold to a collection agency & that I'd have to reach out to the collection agency to settle the debt. I then responded informing them that the information that they are reporting on my credit isn't correct. They are reporting a balance on my credit when in fact according to the fair credit reporting since they have sold the debt it shouldn't be reporting on my credit with a balanced owed to them. They never responded to the matter & my credit still states this false information. I've attached the one communication l got from them stating that I didn't owe them anything & to reach out to collecting agency it was sold to.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2024 XXXX XXXX XXXX reinserted derogatory information on such principal consumer report, without notifying or receiving consent from such customer. This shows TransUnion has not done their due diligence of a proper investigation because such derogatory information has been placed back on principal consumer report without consent of such consumer. TransUnion and XXXX XXXX XXXX are willing and knowingly violating XXXX XXXX XXXX which is pursuant to cause harm to such consumer by violating the consumers right to privacy.
Product: Debt collection

This collection agency is trying to collect money from me on the behalf of XXXX  when i never had an account with XXXX to begin with .... I've been disputing this account for years .... now they trying to collect .. please note that even on the printed bill they sent to me the name does not match mine and the address they have on there don't match my address ... i also sent sprint a fraud package with a police report in XX/XX/2018 but i doubt they really looked into the situation. When i try calling the fraud department no one answers ...