23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

LoanCare misapplied my first mortgage payment to another loan and then credited it to the correct loan 3 months late. They took my second payment and put it into a suspense due to the first payment not being made ( was they misapplied it ). On the second payment an extra {$620.00} was made toward principle. Only {$190.00} of the {$1500.00} payment was ever credited toward my principle. Third payment was credited as a two payment ( one due and one in advance ) instead of applying {$1100.00} onto the principle as directed by the payment coupon. All payments were made on time with an attached payment coupon properly noted with the extra principle payment. See email letter. After 5 months of no resolution, I had to hire an attorney to write a letter in my behalf to the mortgage company and still not results. I am out {$4000.00} in attorney fees and it is still going higher.Review my XXXX 2017 billing statement and you can see all the errors in the details ; nobody can figure out what LoanCare is doing to my mortgage loan. They also attacked my credit file with a 30-59 day late that dropped my score from XXXX to XXXX. I have never been late on any of their payments and they sent me a letter stating they would not damage my credit report due to their errors ; however, reported me late anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem was with a credit reporting agency ( Experian ). I asked them to lift my security freeze for my financial company, and they told me they did, when I went to my financial company, the security freeze was still on my report. I kept calling Experian about the situation, and Experian kept telling me that it is unlocked. My financial company could not pull my credit report because it showed that Experian didn't unlock it even though Experian said they did. I kept calling Experian and they kept telling me they unlocked my report. Now, I have to wait until the lock is actually back on the report, and do it myself. Experian kept asking me for personal information, and now I believe that I've been set up for ID theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove some items that are UNKNOWN to me. 
these items are erroneous and misleading and must be investigated again. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX  XXXX Balance : {$7700.00} XXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7700.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7700.00}
Product: Checking or savings account

XXXX XXXX XXXX XXXX XX/XX/2021 REPORT OF : IDENTITY THEFT Contact information : ( XXXX ) XXXX Email adress : XXXX I recently notice I was not recieiving mail from My mailing adress. First a little then a large quantity of mail was not showing up. Then I notice I would recieve notices and letters from a financail institution I did not bank with and they were late or final notices. At first i did not think much of it, then I was conversing with a collegue at work and they informed me that it sounded like early warning signs of identity theft. This has never happened to me so I did not know what step to take to protect my self from this situation I have never took on before. Once I check my credit score which my sister recommended, then I notice negative markings on my report, so then I realized I must do more research on how to report these impersonating scammers. My research led me to this website which has me now reporting this crisis in my life seems to be going thru. Here or some financial institutions which I recieve accounts under my name which I was not aware of or recall at all opening XXXX, XXXX XXXX bank of the west, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, current. I don't know how long this was in effect BUT SEEM TO ALL HAPPEN AROUND XX/XX/2021 UP IN TILL NOW XX/XX/2021 and each leaving me with a debt of thousands of dollars. Which is now leaving me stuck with negative mark on my credit score from people stealing mail from my mailing adress but have took measurments on how to prevent it from continuing much help is greatly needed please and thankyou have a great day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX XXXX  Account # XXXX and Account # XXXX has Violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer Reporting agency can not furnish Account with out my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was incorrect because I made the payment on time. My records show that the payment was processed successfully on the due date. However, due to an error in the creditors system, the payment was posted late, which led to the inaccurate late payment entry on my credit report. 
Evidence provided : Bank statement showing the payment made on the due date. 
Confirmation email from XXXX XXXX XXXXXXXX verifying the payment was received on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I sent in a letter stating that the inquires were not authorized and demand settlement.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
Account Name .... XXXX XXXX XXXX.. Account # XXXX ... Account Name .. XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX ... Account Name.. XXXX XXXXXXXX XXXX XXXXXXXX... Account XXXX XXXX 15 U.S.C. 1681 section 602 A. States i have the right to privacy.. 15 u.s..c. 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681 C. ( 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 1681 S-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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue to the three major credit report agency with regards to the issue of my SSN being blocked by Equifax. Can be possible to dig deeper when investigating the said agency. From the people, company till the network provider, network system and security, same as who runs the business. Sorry for all my demands. Being a victim of identity theft. Same thing with the XXXX XXXX of XXXX XXXX XXXX XXXX.i
Product: Credit reporting or other personal consumer reports

I DISPUTED INFORMATION THAT THE COMPANY WAS REPORTING IN MY CONSUMER FILE AND ASK THAT THEY INVESTIGATE THE ACCURACY AND COMPLETENESS OF THESE ACCOUNTS DUE TO THE FACT THAT I WAS INVOLVED IN THE EQUIFAX AND EXPERIAN SECURITY BREACH

I BELIEVE THE COMPANY SUBMITTED THEIR FINDINGS WITHOUT PROPER REINVESTIGATION, THERE WERE NO CERTIFIED DOCUMENTATIONS, NO ORIGINAL CONTRACT WITH MY WET INK SIGNATURE, I BELIEVE THAT THE REINVESTIGATION WAS ACTUALLY NEVER DONE, SINCE THTE COMPANY ACTUALLY USES COMPUTER SYSTEMS TO VERIFY ACCURACIES INSTEAD OF HUMAN BEINGS, IN CONCLUSION THE ACCOUNTS CAME BACK WITH THE SAME GENERIC RESULTS WERE THE SAME.

THE QUESTION I HAVE IS HOW COULD THEY HAVE DONE A PROPER FAIR, AND COMPLETE REINVESTIGATION IF I HAVE A CEASED AND DESIST ORDER IN PLACE WITH THE COMPANIES I REQUESTED THEM TO REINVESTIGATE ?

ACCORDING TO TITLE 15 U.S.C SECTION 1692(c) AND 1692(b) SECTION 5 OF THE (FDCPA) A CEASED AND DESIST UNDER THESE CODES INCLUDE ALL HARRASSING FORMS OF COMMUNICATIONS INCLUDING BUT NOT LIMITED TO (CREDIT REPORTING AND OTHER THIRD PART AASOCIATES ) WHICH MEANS THEY HAVE VIOLATED THE LAW OR THEY ARE COMPLICENC
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Dispute of Inaccurate Address on Credit Report Request for Intervention Dear CFPB, I am writing to formally dispute an inaccurate address listed on my credit report with Experian. I have contacted Experian regarding this issue, but they informed me that the address in question is linked to an account. However, I can confirm that this address is not associated with any accounts, which leads me to believe that Experian is employing a stall tactic to avoid correcting the information. 

My situation is similar to the case of XXXX v. Experian Information Solutions , Inc., where the court addressed similar issues regarding the accuracy of information maintained by credit reporting agencies. As outlined in the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the completeness or accuracy of any information in their file, the CRA is required to conduct a reasonable reinvestigation of the disputed information. 

Despite my attempts to resolve this matter directly with Experian, I have not received a satisfactory resolution. I believe that the inaccurate address could negatively impact my credit score and overall financial standing. 

I kindly request that the CFPB intervene in this matter to ensure that my rights under the FCRA are upheld and that Experian conducts a thorough and fair reinvestigation of my dispute. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Equifax, Transunion, and Experian are reporting unauthorized inquiries on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no need to forward comments to the agencies. I am not disputing debt. I am showing valid, legitimate proof or reporting errors. According to the CFPB, i have a right to have an error free credit report. I DO NOT HAVE THAT. I am sending you information directly from my credit report, with errors annotated to be clearly visible. 
One of the reports will be with USAA. This has been filed previously, with no result. I am not disputing debt. I am proving reporting errors from four major corporations.

USAA is still reporting a debt from XXXX. This debt was sold in a charge off. They have made numerous changes, from closing and reopening the account, to re-reporting different information. Notice on the credit report where they placed an OK block in XX/XX/XXXX. 
Next, XXXX XXXX. Notice three specific line errors, specifically with 30 60 90 day reporting, not matching up with lined monthly totals. XXXX also just changed the monthly on time payment percentage going from 15 to 73 percent, this dropping my XXXX score XXXX points. This was also only posted after I sent them certified mail showing them their reporting errors. I feel this was malicious, vindictive, and meant to harm my reputation. 
The third report concerns XXXX, an auto finance predatory loan company. There are four line item discrepancies, and no remarks about status of vehicle. I voluntarily traded this auto for another vehicle at a dealership, with the dealer contacting XXXX  to inform them of my surrender. Notice monthly pay reporting is not reported correctly. 
Fourth, is XXXX XXXX. This tradeline has three specific reporting errors. Most notably three different reporting dates, among other errors.
Product: Checking or savings account

This is a business acct for XXXX XXXX. The Original fraudulent charge happened XX/XX/22, and there were three charges. I filed the Unauthrozied ACH Fraud Form, had the acct closed, and opened a new one. THe amount on this acct ending in XXXX, ended up being {$11000.00}, actually almost {$14000.00}. We happened to intercept it before the addtl {$3000.00}. I have been dealing with BOFA for nearly over a year. I have written a letter to them showing that only 2 people in my company proven my our corporate paperwork filed with them are allowed to make any decisons, and neither one of those 2 authorized these charges. I filed a police report as advised by another originating bank on a separate fraudelent charge on another account. I sent them our corporate paperwork. I have even reached out to the originating bank on this particular charge, of which thier letterhead shows no company name, spells our company name wrong, and a variety of information on the letter is incorrect though they claim that thier charge is valid. Here we are a year later still fighting the validity of a fraudelent charge that i have time after time proven is NOT VALID and is in fact FRAUD. BOFA keeps telling me that they are escalating it, and they will respond and then what hapens is i get a letter stating that they originating bank denied my claim, and i open it up again. Actually one of the times i called, BOFA told me i should hire a lawyer, and yet here i AM only because the hunt for a laywer is a lot harder than writiing a letter. I need help retrieving our funds as it does not seem our bank wants to do thier job in retrieving our money. I have made several phone calls, talked to several people, written several letters, and done so much work on this over a year. I have not been supported by my bank, and this has been a longer process than it hsould have been. I understand how banks, and all the nonsense in the middle works however there is no excuse for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

Through XXXX and XXXX, my credit report shows that my XXXX XXXX account is " closed '' and in collections. On my Equifax report, it is showing that it is " open '' and in collections. Because it is listed as " Open '', and payments are going to a collections agency rather than the original lender, I am incurring " missed payments '' on my Equifax report. I filed a dispute, and the account 's closed date was verified, but was still not updated on the report.
Product: Vehicle loan or lease

A billing error from the month of XX/XX/XXXX due to the payments not being correctly applied to the account from the months of XXXX XXXXAccording to XX/XX/XXXX statement the past due amount includent monthly payment XXXX, past due {$540.00} and late fees of {$140.00} reflects {$1200.00} due by XX/XX/XXXX. On XX/XX/XXXX I paid {$570.00} for XXXX and on XXXX I paid {$570.00} for XXXX payment. Total that is {$1100.00} XXXX also reported the month of XX/XX/XXXX as late but according to the transaction history the payment was made XX/XX/XXXX which is before the due date. 

Lender has applied over 70 % of payment amount of all payments on auto loan in XXXX towards the principal instead of the both principal and interest. 
For an example : Principal Interest XX/XX/XXXX XX/XX/XXXX ( {$570.00} ) {$26000.00} ( {$220.00} ) ( {$350.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$570.00} ) {$26000.00} -- ( {$570.00} ) - XX/XX/XXXX XX/XX/XXXX ( {$1700.00} ) {$26000.00} ( {$880.00} ) ( {$860.00} ) XXXX XXXX, XXXX XXXX XXXX, XXXX ( {$570.00} ) {$27000.00} -- ( {$570.00} ) -
Product: Credit reporting or other personal consumer reports

I been requesting Equifax to removed this account with XXXX from my credit. This account was a fraudulent account. That I been trying to fix the problem with this company, but nothing have been done. The year of this account is totally incorrect, the amount, the payment history. This account was my ex husband account never signed for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus will start adding Afterpay, XXXX and XXXX and XXXX. They all allow shoppers to buy now and pay later. These such purchases are not being reported to my credit reports but one. I did the loans with the purpose to give lenders a fuller vision of my financial commitments.This is an easy way for people like me to establish positive credit so that I can start getting my scores up and acquire better and more useful lines of credit. You have yet to report anything to my credit reporting companies other than one account.