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

XXXX and Transunion are reporting incorrectly a collection on the XXXX XXXX partial account number XXXX in the amount of {$3100.00}. ( Please see page 21 of the attached credit report. ) This account is falsely being reported on my credit report. I do not now, nor in the past, have had an account with XXXX XXXX. This collection has been falsely attached to my credit report and this inaccurate reporting is seriously harming my credit score. I have contacted the ( 2 ) bureaus to have these items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Equifax a letter asking for validation of an account on my file. The responded on XX/XX/XXXX that the account information was obtained by the court through a third party vendor, XXXX. After verifying with the court that they do not share such information with any credit agencies I sent Equifax a follow up letter XX/XX/XXXX stating such and that they're falsely verifying information they're reporting on my credit and that if they can not validate the information that they delete it. XX/XX/XXXX Equifax sent me an update that they verified this information, but they have no way of verifying it and have not produced anything to state otherwise. I called them after receiving the letter to let them know they were not properly verifying information and that if they did not correct the error I would have to report them. They refused. They have done this a lot in not truly verifying my information just saying that it has been verified. Please assist in the matter.
Product: Mortgage

XX/XX/XXXX- I submitted my second modification request. The first was denied because Chase said they didn't receive papers which I sent to them. I verified this with them. 
XX/XX/XXXX- I spoke with CHASE Representative XXXX XXXX and discussed what additional information was needed to submit the modification packet. 
XX/XX/XXXX- I am contacted via mail solicitation by several Attorney 's offering to represent me because CHASE filed a foreclosure on my property. 
XX/XX/XXXX- I write a letter which I faxed and sent certified USPS requesting they stop the foreclosure because I am in a modification And I inform them I am willing to work with them to sell my house if I am not given the opportunity to modify my loan. 
XX/XX/XXXX- I speak to XXXX XXXX , at CHASE, she assures me there was a mistake and I am not in foreclosure and can move forward with the modification. 
XX/XX/XXXX- I speak with XXXX XXXX XXXX , CHASE Executive Office, she informs me she can not discuss the loan because there is no authorization form. I have been talking with CHASE since the inception of the loan and an authorization from my ex husband has been on file since XX/XX/XXXX!  I was a signer on the original loan, but when we did the first modification, which we successfully completed, the CHASE Representative told me it would expedite the modification if it was I'm my Ex husband 's name. At that time I owned 75 % of the house. Since the divorce in XX/XX/XXXX, I am 100 % owner and the deed was recorded solely in my name. Now she won't speak to me? I have explained my situation to chase in my hardship affidavit and speaking with the Representatives on numerous occasions. She did not bother to check the records. 
XX/XX/XXXX- I received a notice of default and election to sell and a Declaration of Compliance from Quality Loan Service , Corp. stating they contacted me to discuss foreclosure options. This is not true and they are violating Cal. Civil code Section 2923.5. They did this while I was in a modification process which is also illegal. 
The loan amount they quoted is also incorrect. 
They claim in the paperwork I owe {>= $1,000,000}. This was the original loan amount before I completed the first modification. The amount I now owe is approximately {$750000.00} These are gross errors on their part and they are unethical unfair business practices. 
Clearly, they are telling me one thing and doing another in an attempt to take my house which I have struggled to keep for 12 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to delete the following information from my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the inquiries listed. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissionss Identity Theft Affidavit. Please delete the items as soon as possible. 


EQUIFAX FRAUDULENT ADDRESSES TO BE DELETED FROM REPORT XXXX XXXX XXXX XXXXXXXX XXXXXXXX, MO. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXX EQUIFAX FRAUDULENT ACCOUNTS TO BE DELETED FROM REPORT XXXX XXXX  XXXX OPENED XXXX {$1100.00} EQUIFAX FRAUDULENT COLLECTIONS TO BE DELETED FROM REPORT XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX  {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a standby cash account with XXXX and on XXXX XXXX the bank reported to Credit bureaus about 30 day late payment when I was already paying a minimum amount on the account. This happened right when I applied for a loan. Either the bank or the credit Barreau is rushing to report this whenever I apply for finances and then remove it once I file a dispute. recently I spoke to the bank inquiring how the payments can affect my credit and they said they won't report it until its 30 days late so I have enough time to pay off and then yesterday when I tried to make a payment I saw a pop-up saying that I can make those payments in installments so I called the bank to get clarification on how it will affect my credit and they clearly mentioned that it wont be reflecting in my credit as its a hardship program they are offering but I saw that they reported it as late on the XXXX of XXXX right when I was shopping for a loan. It seems like the bank is doing a deceptive practice to ruin my finances. I have a history with them for various issues in the past. They also denied that the bank will offer a Foreign exchange in XX/XX/ when I I did exchange through them just in XX/XX/ and then I have to argue to let them exchange money and they spent exacly 1 hour to do it. They tried to send me to another agency which is located far away from my home. They also said I have to visit the bank 5 times in order to exchange XXXX ( which they said is a limit for one transaction ) but end up doing it in one transaction.
Product: Mortgage

I applied for a home loan, I was approved. When I was to close on the loan, the closers said unless the taxes on the home were paid, we would n't be able to get the loan. They presented a settlement statement sheet, that states moneys were deducted from the loan amount, to pay taxes for XXXX parcel XXXX XXXX {$160.00} and XXXX {$1700.00}, as well as parcel XXXX delinquent taxes for {$2400.00} which is for XX/XX/XXXX, also parcel XXXX XX/XX/XXXX XXXX {$4.00} and parcel XXXX XXXX {$44.00} and parcel XXXX Delinquent {$76.00}. They also state that they charged the borrower {$1500.00} to do it. I talked to XXXX XXXX, they told me several times, in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, that the taxes were not applied to the right place, that delinquent taxes, were to go to XXXX XXXX in XXXX. I also told them if the taxes were n't paid before XX/XX/XXXX penalties and interest would accure. They sent all the taxes to the City of XXXX. They were not paid on time, so Citizen Bank paid the taxes it seems. Now they are coming after me. I have been paying my loan on time. All of a sudden, they stopped applying the money being sent towards the loan, created and escrow account, and I owe them for taxes not paid for XX/XX/XXXX. The payments are being sent, but since they say we owe, they are not applying the payments to the loan, but to the escrow towards the taxes. I have made several attempts to show them their error, but nothing has worked thus far. This matter is getting worst, and it will potentially ruin my credit, as well as a possible foreclosure for none payment. I paid the XX/XX/XXXX XXXX taxes but somehow they managed to pick up the winter taxes. They keep telling me, that they are investigating the matter, but still not applying my payments.
Product: Money transfer, virtual currency, or money service

On XX/XX/2014 I initiated a wire transfer for {$2500.00} on my Account with XXXX XXXX, account number ( XXXX ) to The Huntington Nation Bank, XXXX XXXX  XXXX., XXXX XXXX, XXXX XXXX, Oh., XXXX USA . The Account number at Hunting National Bank was ( XXXX ) and the Account name was XXXX XXXX. After Learning that I was a Victim of a Fraud and a Scheme on XX/XX/XXXX, I placed a stop payment on check no ( XXXX ) to stop the funds from being sent. On XX/XX/XXXX, I contacted XXXX XXXX XXXX  to request a Recall of the wire transfer and on XX/XX/2014 the Bank received a response advising the beneficiary did not authorize a debit to their account. Please see ( The United States of America v. The Western Union Company ).
Product: Credit reporting or other personal consumer reports

I have attempted multiple times to speak with Bank of America ask them to verify how my credit card account was late since I had never missed a payment. Reviewed my credit report shows a late payment for Bank of America on XXXX on XX/XX/scrub>XXXX  2020, XXXX XXXX  2020 and XXXX XX/XX/year>2020  some show the card being closed in XXXX of 2020 and others show XX/XX/scrub>XXXX  2020. There are serous discrepancies on their part. I have never missed a payment on any credit cards, I had two cards with them and this one is the only on showing a miss payment. I would like to have this late payment removed from my credit file immediately.
Product: Credit reporting or other personal consumer reports

XXXX has reported my account as XXXX days delinquent for XX/XX/year>, causing a XXXX drop in my credit score. This is both unfair and unjustified, as their persistent technical outages have made it impossible to access accounts and submit payments. This issue is widespread and well-documented, yet XXXX has failed to address it properly. 

Before the XXXX cutoff, I attempted to log into my XXXX account XXXX times to make my payment on time. However, I consistently encountered login failures, lagging issues, and system errors. As I am unable to make payments via phone, I am solely reliant on XXXX online platform, which has proven to be unreliable. 

XXXX must be more transparent about its ongoing technical difficulties and their impact on payment deadlines. It is unacceptable for borrowers to suffer credit damage due to system failures beyond their control. I wish that this delinquency be removed from my credit report and that XXXX provides clearer communication and solutions regarding these recurring technical issues moving forward.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which holds entities accountable for negligent violations of the FCRA. Below are the details related to my complaint On XXXX, I filed a dispute with Equifax, As for XXXX on XX/XX/XXXX regarding an inaccurate items on my credit report. This dispute was related to XXXX XXXX XXXX for the amount of {$2200.00}, XXXX XXXX XXXX for the amount of {$1200.00}, and XXXX XXXX XXXX for {$1000.00} Despite following all necessary steps and providing supporting documentation, the item was either not investigated properly or not corrected in accordance with the provisions set forth by the Fair Credit Reporting Act. 

As of XX/XX/XXXX, the credit bureau/creditor has failed to conduct a proper investigation, resulting in the continuation of inaccurate information on my credit report. This constitutes a violation of 15 U.S. Code 1681o, which holds parties accountable for failing to adhere to their obligations under the FCRA. 

I believe that the actions of XXXX and Equifax constitute negligence in the processing of my dispute, which has caused financial harm and reputational damage. The failure to address the inaccuracies within the prescribed time frame, as well as their inadequate response, is a clear violation of my rights under the FCRA.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit, highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies my financial institution, and Zelle failed to investigate my claim adequately. They informed me that they were not recovering lost funds and that it was impossible to track. These transactions were unfeasible the CFPB findings indicate that Zelle has not only neglected to protect consumers, but has also allow repeated offenders to exploit the system, leaving users vulnerable scams. The lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Mortgage

Discrimination against XXXX, anf discrimination against a XXXX XXXX borrower. 

I was on a forbearance which they reported every month as 180 days past due, and still are while they been paid on time the last XXXX  months since exiting forbearance and telling them I am in a worse position now, largely because of them. 

Told them I read the CFPB lawsuit against them for discriminating against XXXX borrows while reporting to the bureaus and asked why they are still doing it two years later. 

Was put on the phone with a woman that wouldnt identify herself, and literally challenged me to dispute it, because " all the bureas will do is ask for me, ask if te debt is legitimate, Ill say yes, and itll never go anywhere past that, so good luck!! '' She was right
Product: Debt collection

I know nothing about this loan. I never bought this car or made any payments. This is not my doing, I have no knowledge of this loan. My identity was stolen this account doesnt belong to me.
Product: Credit reporting or other personal consumer reports

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. I never gave permissible purpose to pull my consumer report these inquiries are fraudulent and need to be block immediately.
Product: Checking or savings account

Ive tried to contact sofi about frozen funds in my account. All they do is give you the number for fraud prevention team, but no one ever answers or replies. It immediately goes to voicemail. Ive left over 10 voicemails in the past 2 months. Still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to investigate certain accounts on my Experian and XXXX reports. I submitted my first request on XX/XX/2021, I did not receive a response from either bureau and so I then sent a failure to respond letter on XX/XX/2021. I never received a response to that letter either. These issues are extremely frustrating as these errors are drastically affecting my lively hood and holding up my home buying process. 

I would like to file a complaint against both Experian and XXXX for failure to respond to both of my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to XXXX  through CFPB and the company responded that they are still working on the issue. I'm complaining that they should work quickly to remove my file and delete the erroneous information from their systems. I am complaining and noting that XXXX should know that there is no time to resolve this issue. They could be arrested, in jail or subpoenaed within 60 days if they don't act immediately. Normally within 15 days. It is illegal to place an individual 's information in XXXX or any other credit report file, randomly for no cause. XXXX deals with bounce checks and bank fees, and direct misuse of accounts, not " suspected ''. Possible alcohol and substance abuse is nationwide known factor in wrongful suspicion, along with other factors as well. XXXX has had 4 years to work on this issue and should have declined the bank 's faulty objection in XXXX They are supposed to have knowledgeable personnel who won't make these kind of errors. I am complaining about this. I am complaining that there is no more time.
Product: Student loan

National Collegiate Trust ( NCT ) is the owner of one of my student loans ; they are a terrible company that offers no repayment options other than pay every month on time or we will ruin your credit. One day late is considered delinquent, and my minimum amount due has increased every other month for the last 3 years. I have attempted to make my monthly payments on time every month, and to pay more than the minimum monthly requirement to pay off the loan early, or at least attempt to. However, NCT has made it impossible for me to EVER pay off or reduce the principal of my loan. They have raised the interest rate on my private student loan 9 times betweenXX/XX/XXXX and XX/XX/XXXX, I have proof in notices. That is just this past year ; my monthly payment increases almost every time I send a payment in. Making it impossible to ever budget or correctly asses my monthly finances, I have no idea how much my expenses will increase month over month because of this payment.
I am currently paying just shy of {$200.00} per month for this loan, with the interest rate increasing and never decreasing, although American Education Services ( who services the loan ) informed me that the variable rate means it " could '' potentially decrease but they have never witnessed it. I am well aware that increasing the interest rate is only increasing the amount of money NCT is making off the loan, and they have absolutely no repayment options available other than to keep paying the loan until while starve to death, which at this point is a possibility. And one day late is considered delinquent, which negatively affects my credit report making it impossible to receive any sort of credit or financial assistance. I am stuck in a catch 22 of paying my payments on time every month in an attempt to retain some good credit, while they continue to increase my payment for no reason other than to make more money for National Collegiate Trust.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propeny investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Shermeta Law Group with a XXXX XXXX XXXX submitted a request and Writ for Garnishment for a student loan which was consolidated with other student loans. They froze all my parents bank accounts dated XXXX XXXX, 2015. Still to this day, even after agreeing to pay a settlement amount, they have not notified the courts, took the money, or notified anyone, including myself. Also, they did not provide the original loan agreement. I believe this is another company like XXXX XXXX. I have no information regarding this matter except for the Writ for garnishment. Also, this debt is past the statue of limitations.
Product: Credit reporting or other personal consumer reports

This company has violated my rights under : 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 : which states : A consumer reporting agency can not furnish an account without my written instructions. 

Experian XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 
6. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

US BKPT CT TN XXXX XXXX XX/XX/XXXX I've disputed this account with all three credit bureaus. Nothing has happened. 

I didn't authorize the following inquiries on my accounts. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX