23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We received a remediation check in the amount of {$200.00} and feel that we are due much more. As we were paying almost {$1300.00} per month for many years and was over charged for our property for quite some time. We were given the run around many times without resolution and several trial payments that seemed not to work. We feel like we are due much more and our credit was affected due to this causing us to file XXXX XXXX back in XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payments Under the CARES Act, FCRA, and TILA Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute inaccurate information reported on my credit file. Specifically, I have noticed XXXX late payment entries on my credit report from ( XXXX ), which occurred during the COVID-19 pandemic. These late payments are inaccurately reported and do not comply with provisions under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act Violation : During the COVID-19 pandemic, Congress passed the CARES Act, which allowed consumers to make payment arrangements with creditors without incurring penalties on their credit reports. I had an arrangement in place with XXXX during the period in question. Under Section 4021 of the CARES Act, creditors were required to report accounts as current if a payment accommodation was made during the COVID-19 pandemic. Despite my payment arrangement, these six payments are marked as late on my credit report, which constitutes inaccurate reporting. 

FCRA Violation : As per the FCRA ( 15 U.S.C. 1681 ), credit reporting agencies are required to maintain accurate and complete information on consumer reports. The inaccurate late payment reporting on my account directly violates this act. Since I was in an arrangement with my creditor during the pandemic, the late payments should not have been reported.

TILA Violation : The Truth in Lending Act ( TILA ) also mandates that creditors and reporting agencies provide accurate and fair information related to credit transactions. Reporting these payments as late, when they were subject to a payment arrangement, constitutes inaccurate and misleading information under TILA.

Request for Action : I kindly request that you : 1. Investigate this matter and verify the accuracy of the reported information with my creditor.

2. Remove the six late payments from my credit report with immediate effect.

3. Provide me with a corrected copy of my credit report once the changes have been made.

Thank you for your cooperation in resolving this issue.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show ownership of such an account and also documents so that I may verify if this account belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$9400.00} XX/XX/XXXX XXXX XXXX {$5200.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$3600.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom it may concern ; On XX/XX/year>, my family and I were offered the opportunity to boost our credit ratio by joining a company called Rent Pluse whom have partnered with XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX where we live. Within minutes we sent an email indicating that we wanted to be excluded from the program and our rental office management company assured us that our information ( name, date of birth, social security number, email address and telephone number ) was not given out. 

Since requesting not to be a part of the Rent Plus program a lot of events have happened to us. Although we can not prove someone from Rent Plus used our information to open fraudulent credit cards ( XXXX XXXX XXXX- please review screen shot of email used ) the timing of events does in fact line up. Not only that we were assured by our management office that our personal information was not given out to this company and as you can see from the attachments we have become victims of this fraudulent practice. On or before XX/XX/year>, we received a flag on our account indicating that we had a balance due of {$8.00} on our rent. I immediately contacted the rental office only to be told that Rent Plus had charged our account after we had written documents that our information wasn't given to them. Not only that as you can see these charges are not showing up on our monthly statement. 

This amount may be nothing but if you're charging several people this amount and they are unaware of the charges this can completely add up. So with all due respect, I'm asking that you look into this situation. We have a lot of senior residents on this property who don't get emails or don't have a computer for all I know. We don't know how many times this has ever happened to us we just pay what they send us. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX  XXXX {$0.00} XXXX XXXXBalance {$18000.00}
Product: Debt collection

On XX/XX/23 I looked at my consumer report and I see XXXX XXXX XXXX  self on my consumer report. I never took out a loan with them I am a victim of identity theft. I never even knew anything about this. I was in prison for several years I've already let the irs know this I also have a block on my consumer report. I do not know how this loan was obtained with out my signature and without me having a home to live in. Identity theft is a crime per 18 usc 1028 A.
Product: Debt collection

I recently found out while getting my credit check for a home loan that I had an account in collections from XXXX XXXX now called XXXX XXXX for {$44.00}. I never received a called or letter from this company. Also XXXX never reach out to me, I have the same phone number for more than 10 years and all my letters were forward to my new address. I need this remove from my credit because I never received proper documentations or calls to fix this issue. I pay XXXX thinking this will help and I ask them kindly to send me a letter of deletion of debt to remove this account of my credit and they refuse. Please Help.
Product: Debt collection

I received a call from the debt collector trying to verify my information regarding a debt I was told I owed. they wanted my SSN # dob, etc. which I would not give because I didn't know who they were. I advised them to send me the information they had on me to the address they had on file for me. I received the letter with me name on it. First it's for an apartment I've never rented in a city I don't live in and they sent it to me home address which tells them I've never lived in the city. I was told to forward my mortgage, SSN # and dob to prove it wasn't me that rented the apt . I have lived in my home for 22 years and never lived in XXXX. How can we get this cleared and my name taken off or my contact info if it was another person with my name which would have happened and the debt company looked up all the persons with my name and just sent me the letter trying to find the right person which is not me.
Product: Credit reporting

XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX v. XXXX and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint involves XXXX AND EXPERIAN report a chapter XXXX that has n't been VALIDATED yet still remains on my report. XXXX deleted the reporting and then added it back which is a violation of the FCDPA LAWS that states you have to give the consumer 5 days notice before adding anything back to a consumers file. I challenge the accuracy, compliance, and reporting of both listings. As of XXXX XXXX, the law states the following Beginning XXXX XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments, and tax liens must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth ; and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. 
XXXX AND EXPERIAN HAVE FAILED TO VALIDATE THIS INFORMATION ON MY REPORTS AND IS CAUSING ME GREAT HARM. I want these items deleted today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inaccurate and unverifiable accounts on my Experian report. I have tried to reach out to dispute these accounts as outlined by the FCRA. However, Experian has time and again chosen to ignore my dispute letters and demand to comply letter. Attached below is my dispute letter from over 60 days which has not received any response from Experian. They have failed to comply with federal laws and to provide valid proof of the validity of any of these negative accounts on my consumer report. All the negative and false accounts are outlined in my attached letters. 
Additionally, my attached Demand to Comply letter has received no response either. I sent all my letters via USPS certified mail and they show they were all delivered on time within a few days of the dates in my letters. These false accounts currently reporting on my Experian credit report are deeply frustrating and is a violation of the FCRA. According to the law all false and/or unverifiable date must be removed. I'd appreciate it if you all can assist with resolving this issue as Experian has not been helpful whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found some information was incorrect. 3 credit bureaus are required to verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). You have no right to dismiss these reports as unaudited information unless you provide evidence within the time allowed by law. Due to inaccuracies in my credit report file, I need to investigate and correct the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Student loan

SOFI appears to be a discriminatory and classic bait and switch activity. They start by " pre-approving '' refis for PLUS borrowers like me, then collect reams of confidential financial and personal information, ( all demanded online ). Next SOFI increases the " approved '' rate, and the company demands more and more confidential financial and personal information. CallS to customer service were ignored and/OR mishandled. With REAMS OF confidential information on the PLUS borrower now in their possession, SOFI then demanded more and more confidential information. When the XXXX documenting my pension income were determined " insufficient '', and SOFI demanded copies of my pension " award letters ''? and wanted my checking account numbers, I decided to investigate my suspicions on your complaint database. Sure enough, others have had the same experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

We owe XXXX XXXX XXXX, and since XX/XX/XXXX I have tried to fix the credit report with Experian, it has being three different times that I needed to start a review with them, it took more than a month each time. 
They were many errors and every time, I had to call the companies involved to try to solve it due to the lack of cooperation from Experian. 

They have some employees that want to help but some another ones that they treat you like if you owe them money or if you are doing something wrong, once they told me that we ( the customers ) get hung on the number, well, the number is the score that represents a company, and I needed to improve it, but they would not help. They just wanted us to buy the credit monitoring from them, and then they could help. 

We had a lien from the IRS that is resolved and paid for since last year ( 2016 ), and Experian does not want to delete it out of my credit report, even though there was another lien for a smaller amount, and that one was removed.
The lien affects my company credit score, and the last answer from them it was that it might take seven years to be removed. 
I would like your help in my dealings with Experian, when I call directly they just give me the round around and say that is under investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX OF CA is reporting a collection for {$9500.00} from XXXX XXXX XXXX  for supposedly sold them unpaid balance on this account. I never signed a contract to purchase or lease any vehicle from XXXX XXXX XXXX ... .XXXX XXXX services went on to further provide a copy of the " contract '' that forged my signature and LACKED a date on the contract provided a driver 's license of a person with a similar name to mine but NOT me! YET they dared to report it to my credit for years. XXXX XXXX XXXX refused to provide any documentation to me directly due to the fact that they did NOT have any contracts with me, in my name to my social or to my dr license. XXXX XXXX XXXX IS GUILTY OF FRAUD, VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT, AND F.C.R.A. ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, equifax, and XXXX refuse to give me my credit report after illegally using my information, Im demanding my reports from all three agencies so I can access the damage done to my credit profile!
Product: Credit reporting, credit repair services, or other personal consumer reports

These XXXX time payment accounts need to be deleted for inaccuracy because the date of last activity is different on each bureau, payment history is incorrect, I was never late and I disputed this information over 30 days ago and it still doesnt show disputed by consumer!!!!!
Product: Debt collection

The debt in question was a total of {$90.00} ; debt collection agent is trying to collect {$83.00} times 3 AND has tried to tell me i also owe my dead over 5 years husbands bills! I attempted to pay the {$90.00} dollars ( 3 copays for XXXX XXXX  that i thought workmens comp would cover ) over 2 years ago to both XXXX XXXX XXXX XXXX directly and to whatever agency had contacted me then for a total of XXXX dollars which included their fees. That agency told me there was NO debt owed and not to worry about it. 
Then i get dinged on XXXX  XXXX 3 times! I called the agency reporting the supposed debt-they were rude nasty and threatening and after they pulled tge XXXX about my late husband i hung up. THAT debts statue of limitations was up over 4 years ago. I want these 3 dings removed and my credit cleared up-your help is appreciated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX called multiple times to Equifax and XXXX XXXX to remove these accounts and inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

in XX/XX/2014, my family applied and was approved for a loan consolidation cash out, refinance with Chase bank, where all 4 mortgages have been for decades..This was on SFR worth then {$750000.00}, now $ XXXX amt was for {$410000.00} at 4.625 % with a sole borrower as acting trustee of a revocable trust requiring only 1 trustee signature. We were Required as a condition of closing to close all credit accounts so all unsecured debt Would be Paid off directly by Chase bank after closing and funding of loan. Loan officer And manager were made aware before ApplicationThat co-trustee was elderly and non-Compliant, combative and acting in bad faith With regards to Trust properties. She had never managed the estate and did not understand the need to maintain property condition and satisfy county condition requirements. Therefore All documents were submitted To show trustees and beneficiaries ' rights To conduct The Business and Encumber, sell mortgage etc. properties with only one signature. They had 3 trust members at closing, 2 more than necessary. The manager and loan officer pre Approved paperwork and understood Circumstances. At closing, Notary was present along with both beneficiaries and acting trustee. co-trustee wouldn't participate but tried to derail closing by screaming profanity while running in lobby in her pajamas. She also sent fake letters to the branch about co-trustee.All consolidated debts were trust debts as well as trust assets. No additional debt would be incurred and overall monthly payments would decrease by more than {$3000.00} with refinance and consolidation with reduced int rates.. Chase did not close because of her antics and as a result, mortgages went into default, all Credit payoffs were missed and our credit as a family destroyed.

Many accounts were over 40 years old and had no credit limits.

As a result of missed pay-off accounts all show defaulted, charged off, or creditors are suing for payment and we are unable to obtain any personal credit. were forced to get a bridge loan at 9 % int only for 2 years to make repairs, mortgages all show lates or were transferred to another servicer with fees and delinquencies. Our XXXX hit an all-time low of XXXX! Properties still in disrepair as we are unable to obtain financing to fund rehabs. 
Since then we have not been able to obtain a loan, refinance or settle with closed cards and chase has done nothing to assist and we just paid off old loans with hard money, we kept banking at same location anticipating a resolution. These loans were over 30 years old with chase and elderly owners ( XXXX & XXXX ). We can not recover from this failure to honor the trust document. Our insurance billed to the closed accounts and is lost as well.
Product: Checking or savings account

The Capital One outage started XX/XX/XXXX, and we weren't informed of their payment direct deposit outage until the end of day XXXX XXXX. We were told our direct deposits would be in today XX/XX/XXXX and we have not received it. We still have no official statement from Capital one other than that email we were sent last night. This has caused great damaged as I still live paycheck to paycheck. I don't have money for groceries, gas and now my bills are late. This is truly unacceptable and action must be taken!
Product: Debt collection

Unfortunately, American Express National Bank was reckless in giving a credit card without my knowledge to a criminal on XX/XX/XXXX ( attached IDTheft_Report submitted to Federal Trade Commission ). 

As attached ( Fraud Card ), regular payments stopped in XX/XX/XXXX. American Express National Bank did not contact me. 
=== Although i receive regular mail for my American Express Personal Savings account, i never received mail or email for this credit card activity. American Express National Bank has never contacted me before, on this and I never received prior inquiries for this debt. 

Instead, the debt was outsourced to a debt collection agency. XXXX hired a XXXXXXXX XXXX XXXX  ( attached Complain for account ). 

I do not have any responsibility for the debt the law firm is trying to collect. 
This is my second complaint. 
==== In the first complaint ( XXXX  response ) sent by Consumer Finance Protection Bureau, the company, XXXX XXXX of The law firm XXXX XXXX firm responded, they initially looked to serve me on XXXX XXXX XXXX, XXXX, CA XXXX. My home address is in XXXX since XXXX. 

XXXX XXXX of The law firm XXXX XXXX XXXX, represents plaintiff, American Express National Bank, some how found my home address & has served my husband, i was not at home at the time XX/XX/XXXX, with a complaint against me, owing {$4500.00} within the past 4 years. 

I immediately, looked up my credit score, and found phone numbers and employment position, which doesn't belong to me. 

I filed a dispute with XXXX for the following on XX/XX/XXXX, and the following were removed : 1. debts, and 2. the wrong phone numbers, 3. and wrong employment description XXXX found the disputed information were sent in by American Express National Bank XXXX 

American Express National Bank allowed to send a legal complaint which is unverified, as it never belonged to me, i never opened an account with American Express National Bank Shouldn't American Express National Bank provide verification of debt. 

If there is a good reason to believe that I am responsible for this debt, mail me the following documents : 1. Proof i opened the account == 2. Proof of the transactions & statements == 3. Proof of prior attempts to contact me ==