23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Urgent Assistance Required : Inaccurate Reporting of Paid Mortgage and Collection Account Dear Consumer Financial Protection Bureau, I am reaching out to request your urgent assistance regarding persistent inaccuracies on my consumer credit profile. Specifically, these inaccuracies involve the reporting of my mortgage account by my previous mortgage servicer, XXXX XXXX XXXX, as well as related issues with a collection agency. Despite having paid off the mortgage in full, the balance remains incorrectly reported, and I am facing complications due to erroneous collection account entries. 

I have successfully settled the balance of my mortgage with XXXX XXXX XXXX. However, the account has not been updated to reflect that it is paid in full. Instead, it continues to show an outstanding balance, which is misleading and damaging to my credit profile. Furthermore, the account was erroneously sent to collections, and this collection account has also been reported with inaccuracies. I have provided the credit bureausExperian, Equifax, and XXXX detailed documentation, including proof of payment and correspondence from XXXX XXXX XXXX, to substantiate these discrepancies. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], credit reporting agencies are required to investigate disputes regarding the accuracy of information on a consumers credit report. The FCRA mandates that if the information can not be verified or is found to be inaccurate, it must be corrected or removed. Additionally, Section 605B [ 15 U.S.C. 1681c-2 ] requires the removal of information that can not be verified within the prescribed timeframe. Given that I have demonstrated the inaccuracies and provided evidence of the paid mortgage balance, these inaccuracies should be addressed accordingly. 

Despite my efforts to resolve these issues directly with the credit bureaus and the involved collection agency, the inaccuracies persist, adversely affecting my credit profile. I respectfully request the XXXX XXXX XXXX XXXX intervention to ensure that these errors are corrected in compliance with the FCRA and that my credit report accurately reflects the true status of my accounts. Your prompt assistance in rectifying these matters would be greatly appreciated. 

Thank you for your attention to this critical issue. Please let me know if you require any additional information or documentation to facilitate the resolution of this complaint. 

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

The reappearance of the XXXX XXXXXXXX XXXX account on my credit report, despite its previous removal for fraud, is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). This fraudulent account is not only inaccurate but also detrimental to my creditworthiness. I am requesting its immediate and permanent removal for the following reasons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccuracy and Fraud : The account was previously confirmed as fraudulent and removed from my credit report. 
Re-reporting of this account constitutes inaccurate information under the FCRA. 
Violation of the Fair Credit Reporting Act ( FCRA ) : 605B ( 15 U.S.C. 1681c-2 ) : Blocking of information resulting from identity theft : ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
611 ( 15 U.S.C. 1681i ) : Procedure in case of disputed accuracy : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation RequiredIf the completeness or accuracy of any item of information contained in a consumers 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : USDOE/GLELSI XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute.Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports
Product: Checking or savings account

Certain charges was not authorized disputed with the bank and the company lied and never corrected the issue causing my account to over drawn and I cancelled my card and spoke with reps and sent over plenty of evidence and they closed my account and reported on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against the Experian credit reporting agency. I tried to access my free annual credit report and they refused to give it to me, instead requiring me to provide a written request with documentation. When I provided my driver 's license as part of my ID, I blacked out my photograph and my driver 's license number because I am not required by federal consumer law to provide these items for a copy of my credit report. They rejected my request and said to resubmit my driver 's license. 

I tried to access my Experian file online but they demanded my phone number. I am not required by federal consumer law to provide my phone number for a copy of my credit report. I do not want my phone number on my credit report. 

I tried to call Experian but could not get through to anyone, the number was a pre-recorded message that only addressed credit fraud. 

I want the annual credit report I am entitled to by federal law without being harassed by this company for information they are not entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted on XX/XX/2020 to all 3 major credit bureaus a method of verification letter. Prior to this all 3 bureaus stated that the disputed information ( bankruptcies ) were verified by XXXX a 3rd party. I contacted XXXX and received a letter stating that they were unable to verify that these accounts were mine so they deleted them from their records. None of the credit bureaus followed suit. I also sent the disputed information regarding names that appear on my credit report along with unauthorized inquiries. I have had no avail and it's beginning to be very frustrating to say the least.
Product: Mortgage

Hello, We recently received a tax exemption from the XXXX XXXX Property Appraiser in Florida, significantly reducing our property tax liability. While we are still responsible for a small portion of ad valorem taxes, the exemption has greatly lowered our obligation. Without the exemption, our annual tax liability would be approximately {$4500.00}. With the exemption, it is estimated to be between {$700.00} and {$1000.00}. 

Unfortunately, our mortgage company has declined our request to release the escrow account so we can pay our taxes directly. Instead, they are requiring us to continue making escrow payments based on the original {$4500.00} annual tax liability, despite having documentary evidence of the tax exemption. 

We understand that the exact tax liability for 2025 has not yet been determined, but it is clear it will not approach {$4500.00}. It feels unreasonable to maintain escrow payments based on the higher amount when we know the actual liability will be significantly lower. While we acknowledge that any overpayment would be refunded next XXXX, this results in nearly a year of unnecessary withholding of our funds without benefit. 

Additionally, our home insurance costs approximately {$4500.00} annually, which, when combined with the previous tax liability estimate of {$4500.00}, means we would need to maintain around {$9000.00} in the escrow account to cover these obligations. With the tax exemption in place, this is no longer accurate. When considered as a whole, it seems unreasonable to require us to continue contributing to escrow for taxes based on an outdated and inflated liability when we know the actual amount is much lower. 

We kindly request that you reconsider this approach to better align with our current tax circumstances. 

Thank you for your attention to this matter.
Product: Debt collection

My unit was repossessed back in XXXX, i was advised the settlement amount that I paid would resolved the balance and I just had to pay for title. Ive recently had medical Ive been talked to badly as well as my XXXX party. I received a call on XX/XX/XXXX by a XXXXXXXX XXXX who was extremely nasty to myself as well as my XXXX  party. My XXXX party was adviced unit will be placed back out for repo because XXXX was not paid. Per representative the title was apart of the settlement and because it was not paid the settlement is not cancelled. I was not advised any of this information I believe calls should be pulled because I was misinformed and mislead. I was not aware unit will be placed back out for repo for not paying a title. I called in today spoke to XXXX who told me Im a woman and sound like my XXXX he then hung up. This company has new n very stressful and has be given me deceptive information.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX. I live in XXXX, XXXX XXXX. 
I have an Account in Coinbase. My investment objective with Coinbase was for long term which makes this account for me an account that I do not monitor frequently. On Wednesday last week ( XX/XX/XXXX ), I logged into the account, and I realized that all the funds were not there. I immediately called Coinbase to ask for explanations and when we were analyzing the transactions, we realized that on XX/XX/2021 all the funds were withdrawn from an unauthorized account from a bank called XXXX XXXX Bank ( address : XXXX XXXXXXXX XXXX XXXXXXXX, WA XXXX, United States ). This bank account does not belong to me and its from another state far away from where I live. I immediately told the Coinbase representative over the phone that I need them to fix this. 
They gave me the Case # XXXX for further follow up with them, but they did not give me a course of action that they will take. It's been weeks and they have not contacted me. 
The amount stolen is {$130000.00} USD. I need help as this amount is big and Coinbase is doing nothing to obtain the funds. 
I filed a complaint with the XXXX XXXX police # XXXX. 
I respectfully request your help to resolve this situation.
Product: Debt or credit management

I have reached out to Spring Oaks Capital LLC several times requesting information on charges i did not authorize. I would like for them to be removed completely off my credit along with the inquires requested. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/1982 SS # : XXXX Dear Sir/Madam, I am writing to you as a concerned consumer regarding a recurring issue of violations of the Fair Credit Reporting Act ( FCRA ), which has significantly impacted my financial well-being and personal life. This is the second time I am submitting a complaint, as my initial concerns were not adequately addressed, and the violations persist. 

I would like to bring to your attention the following violations that have been ongoing : Inaccurate Personal Information : Violation : Violations of FCRA Section 607 ( a ) and 611. 
Specifics : The inaccurate reporting of my previous addresses, including XXXX XXXX XXXX XXXX, XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX , has resulted in misleading information being associated with my credit report. 
Unauthorized Inquiries : Violation : Violations of FCRA Section 604 ( a ) ( 3 ) ( B ) and Section 604 ( a ) ( 3 ) ( F ). 
Specifics : Unauthorized credit inquiries were conducted by various creditors without my explicit consent, including XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , XXXX XXXX  XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. These inquiries have negatively impacted my credit score and financial standing. 
Disputed Account Information : Violation : Violations of FCRA Section 611 ( a ) ( 5 ) ( A ) and Section 623 ( a ) ( 2 ). 
Specifics : Despite my previous dispute, XXXX XXXX XXXX 's account number XXXX remains on my credit report with questionable and unverified information. This has led to confusion and further damaged my creditworthiness. 
These violations have taken a toll on my personal and financial life. Allow me to share my personal story to emphasize the severity of the situation. As a single parent working diligently to provide for my family, my credit score plays a pivotal role in my ability to secure housing, obtain fair lending terms, and secure a stable financial future for my children. The inaccuracies and unauthorized inquiries have led to undue stress, denied opportunities, and financial setbacks that continue to haunt me. For instance, due to the inaccuracies in my credit report, I was denied housing at my preferred location, impacting the quality of life for my children. 

I implore you to enforce the legal protections outlined in the Fair Credit Reporting Act to rectify these violations. I kindly request that you investigate the aforementioned creditors and ensure that the unverified and inaccurate information is promptly removed from my credit report. I believe that my efforts to correct these issues align with the goal of fostering fair and accurate credit reporting practices that protect consumers like myself. 

I appreciate your attention to this matter and the efforts of the Consumer Financial Protection Bureau in safeguarding consumers ' rights. Your intervention is essential in bringing resolution to this distressing situation. 

Thank you for your time and consideration. 

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

In divorce settlement the ex took the car and signed me up as co-owner and than didnt pay. Car was repossessed and now thats on my credit report when i dont have nothing to do with car Credit agency saying lease company is throwing it on me as well because name was on lease. 

But i sent them all documents of divorce and still nothing. Now i cant even dispute
Product: Credit card or prepaid card

I was charged almost {$5000.00} on my Victoria Secrets store card in the matter of 3 days. I have not used this card in almost 2 years and was alerted only because my credit score went down XXXX points. I called and spoke with Commenity Bank to alert them of the fraudulent charges and found out that my ULTA card was also compromised, as the thief 's requested a new card be sent to them on that account as well but, was unable to use that card as I've cancelled everything. These purchases were all done in XXXX Florida over 5 hours from me and escalated within three days. These assailants attempted to pay their {$5000.00} debt with my bank account. I was able to put a stop payment on it, but they attempted several times more to pay the bill. These assailants managed to change my physical address and email address, so I was never alerted until it was too late. 

These dates are approx. 

Date of first charge : XX/XX/2023 Date of last charge : PRESENT
Product: Credit card

On XXXX XXXX XXXX XXXX, I received an email saying that a Credit Inquiry was blocked from XXXX Report. 

A hard inquiry was blocked on XX/XX/XXXX because your XXXX report is frozen. If this doesn't look familiar, it could mean someone tried to open an account in your name. 

Did you apply for something? 
From : FEB/DESTINY Type : Commercial Banks  Contact : XXXX XXXX XXXX XXXX, XXXX XXXX United States XXXX On XX/XX/XXXX I received another email from Destiny XXXX XXXX titled " RE : Destiny XXXX Application ID # XXXX '' from Concora Credit Inc. services ... I've never applied for this and believe someone is trying to open up Credit Cards under my name...
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern, My name is XXXX. Back in XXXX I called XXXX to settle down my account with them. They told me they sold my account to Convergent and I should give them a call. I called and spoke with a guy named XXXX and if I pay within 3 days he will do a pay to delete. He sent me a letter to my email about settling down my account for {$3000.00} and to send the checks overnight so they get in time. I sent them all over night with the following writing on all three of them Endorsement of this check constitutes payment in full. You agree to delete within 30 days from my credit report. 
They violated my rights by cashing the checks and not deleting the account and by promising they will update and they never did. 
I called them a week after they cashed them and they told me everything looks good and they will delete and update credit bureaus. They didnt!!! I called them a month later and they told me it takes 60 days to update. Now its been almost 6 months and I sent them letters and they ignore my request. Thats a breach of contract rights. They breached the agreement by still reporting to all credit bureaus that I owe them $ XXXX while we agreed on {$3.00}. How could I owe $ XXXX on an account we agreed to settle for {$3.00}?!?! Not only that but they are reporting incorrect info such as date of last activity, balance owed, last payment, etc! Each credit bureaus has different information and there are inaccuracies among all three bureaus. This means the account has not been properly verified!!
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I called Equifax to update my personal information they did the security validation which validated my identity and I am who I say I am I was just trying to update my personal information they are reporting as far as my addresses they have several incorrect addresses on file for me and stated I have to send in that request so I asked was that something new as my fianc updated her address with them over the phone, I do n't understand why I was not able to update this if all of my information was verified and I passed the identity verification. the rep was also so rude when my fianc was trying to help me and advise she was able to update her information over the phone exby was the worse customer service rep. i was also trying to advise that the inquiry on my account was not valid as well but was not listened to.
Product: Student loan

A few months ago I submitted a complaint to CFPB and the resolution needed was a fairly approved. The overpayment of my student loan should have arrived te weeks ago but there is no stopping her. Can you clarify when Ill will receive my reimbursement. My previous complaint number XXXX Thank you XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history and demand that you investigate the accuracy of the accounts listed below : XXXX XXXX account number : XXXXXXXX XXXX XXXX account number : XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Here I leave two Attachments as proof. 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/year>