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

This is my third dispute concerning the inaccurate reporting of my XXXX XXXX XXXX ( Account No. XXXX ) account on my Experian credit report. Despite my previous attempts to resolve this issue, no proper resolution has been provided, and this ongoing error continues to misrepresent my creditworthiness. I have consistently made timely payments, yet Experian reports the payment status as " Current, was past due 30 days, '' while XXXX and XXXX correctly show it as " Paid or paying as agreed. '' Additionally, for payment history, Experian inaccurately marks it as late, whereas XXXX reflects no late payments. This ongoing discrepancy is unacceptable and constitutes clear violations of several federal laws, including 15 USC 1666b ( a ), which prohibits treating payments made within the agreed timeframe as late ; 15 USC 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy ; and 15 USC 1681s-2 ( b ), which mandates that furnishers of information investigate and correct inaccuracies after receiving a dispute notice. Moreover, this error breaches 15 USC 1681i ( a ), which obligates credit reporting agencies to conduct a timely and thorough reinvestigation of disputed information. The continued failure to resolve this issue, despite my previous disputes, shows a pattern of willful negligence as defined in 15 USC 1681n, which allows for damages of up to {$1000.00} per violation for willful noncompliance. Additionally, negligent noncompliance, as outlined in 15 USC 1681o, holds furnishers liable for actual damages sustained due to such inaccuracies. Furthermore, this issue violates 12 U.S.C. 5531, which mandates that consumer financial services must adhere to clear, fair, and transparent practices. This includes the accurate handling of disputes and reporting of credit information, which XXXX has failed to do. Additionally, 15 U.S.C. 1681g ( e ) applies, as it requires that credit reporting agencies provide proper documentation when fraudulent accounts are reported. XXXX failure to provide such documentation and correct the fraudulent account is a violation of this law. Furthermore, 15 U.S.C. 1681a ( q ) ( 3 ) underscores that the reporting of fraudulent accounts, as in my case, amounts to identity theft and must be properly addressed. The fact that this issue remains unresolved after multiple attempts is causing undue stress and harm to my credit score. I demand immediate correction to reflect the accurate data reported by XXXX and XXXX, and I request written confirmation of the updates made to my credit file. Should this matter not be addressed promptly, as required by law, I will pursue further legal action to ensure my rights are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

To EQUIFAX : I am tired of dealing with your lies and manipulations of peoples lives. I have filed a dispute several times with your company involving a Bankruptcy Public Record incorrectly reported on my Equifax credit report. The updated Equifax report shows Bankruptcy Public Record as VEFIRIED AS ACCURATE. You state you obtained Bankruptcy Public Record Information from local, state, and federal courts through a third-party vendor, XXXX. I have included a letter from XXXX stating they dont report bankruptcy on my consumer file. You have also listed the Agencys contact info as the XXXX XXXX XXXX. The Bankruptcy Court has both mailed me letters that emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and confirm public records. Please provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report or my release authorization bearing my signature. In the meantime, to fully comply with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Failure to respond satisfactorily within 30 days of this letter will result in a small claims action against your Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 

I am as a result of this demanding deletion of the above account from my Equifax file under 15 USC 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion. 

I have previously disputed this info with the CFPB, but there was no Equifax response. The CFPB states that the complaint has been resolved, but Equifax has not yet sent me any results or a confirmation.
Product: Mortgage

XXXX XXXX XXXX XXXX stated that I should to contact the bank regarding our house and mortgage this morning. I called what I thought was the bank/ right path- which XXXX XXXX  and attorney XXXX XXXX gave the court. 
These two men then walked out of the courtroom again without making any mortgage or child support payments, since XXXX, as we have been in divorce court for that long. Only the two men- XXXX XXXX and XXXX XXXX have benefitted from the float on the cash over 7 years that theyve withheld from two children, XXXX and XXXXXXXX XXXX XXXX 

XXXX XXXX defaulted on his mortgage in XXXX. 
At the dane time, I took out loans to pay the down payment on XXXX XXXX XXXX XXXX MA, XXXX, in XXXX, and the auction amount and other fees to save the house from foreclosure by XXXX XXXX Im on the title. 

Attorney XXXX XXXX in MA wrote that its hopeless and that he cant help us to fight the bank and that they will take our house and all of my payments. 

XXXX XXXX and the court in XXXX ordered XXXX XXXX to pay his debt and hes in contempt. 

I called right path today and was not able to get information in writing on how to save my only home. They asked me to sign the deed over to them and give them my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is seriously delinquent in reporting by account balances. 
Equifax has NOT updated any account data since XX/XX/2019. 

This is the third time I have reported this, but nothing ever changes.
Product: Credit reporting or other personal consumer reports

This is my complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX  XXXX XXXX Owed {$110000.00} XXXX  XXXX Balance Owed {$0.00}
Product: Mortgage

I am attempting to apply for a loan modification ( through a US government program ) of my mortgage with CitiMortgage ( Loan # XXXX XXXX. I have sent all the required documents. However, they constantly ask for the same documents, and will not start the process. I have sent documents in on 5 separate occasions. Now, specifically they state that the checkstubs I sent did not have an employer name on them. So I sent in copies of the canceled check with the " XXXX '' ( my employer ) clearly on them. The monthly salary amount on these checks matches my checkstubs. Still they have taken no action.
Product: Debt collection

I continue to get collection notices ( latest XXXX XXXXXX/XX/XXXX ) from Mandarich Law group, LPP XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX and their agent XXXX XXXX. The debt is not mine! Both Mandarich and XXXX have been sent multiple cease and desist letters going back to XXXX Letters state they have the wrong person. My SSN is not XXXX, nor am I XXXX, nor have I had any association with XXXX. Cease and desist letters have failed to stop them from sending me harassment letters. See attached. The original creditor XXXX XXXX established there is no relationship between the collection and me. Also in attached. Previous case numbers include XXXX, XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that you are not removing records, despite my submission of a copy of the XXXX report. As required by Regulation 605b of the FCRA, I am sending this complaint to facilitate a legal response. If you fail to block the items listed below, which are reporting inaccurately due to fraud, I will forward my documents to my attorney to initiate legal action. My intent is to avoid pursuing legal action, so please comply with the law. 
Bankruptcy Chapter 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My HELOC initially established with XXXXXXXX XXXX was unfortunately sold to Shellpoint Mortgage as of XX/XX/year>. Once I finally received notification of the sale, I attempted to create my account online, but after several failed attempts, I was assisted by customer service XX/XX/year> and was able to make my payment. I began making additional payments in addition to the interest only payments to bring my balance down, however Shellpoint was inappropriately applying, backing out, attempting to charge for fees for " phantom payments '' I didn't make over the couple of the past 4 months. 

I'd successfully paid the balance down to {$49000.00} as of XX/XX/year>, only to be told on Friday, XX/XX/year> that although Shellpoint had created 3 different statements, 2 of which showed I had no payment due for XXXX, and one showed a {$100.00} payment, it was my fault my account was now showing past due as I should've realized based on the finance charges my amount due was incorrectly reflected on the 3 statements I received. I was also advised they could go back and correctly apply my payments, however, it would result in my XXXX payment being reflected as past due. I was also advised they had discrepancies and issues with statements in XXXX incorrectly reflecting the correct amount due, but they were not aware of issues after that time. Again, I have 3 different statements for a given month, contrary to what Shellpoint advised their agents to communicate. 

As I explained each time I was contacted by the company and each time I've followed up to ensure I remained current, each of the payments I made after my initial XXXX payment was paid online. I have paid an additional payment to ensure I was paying more than the interest owned. The payment made for XXXX was intended to account for the {$100.00} interest only payment due as well as an additional {$100.00} towards my principle. I was told as of Friday, XX/XX/year> my current balance is {$49000.00} and I would need to make an additional payment of {$170.00} to bring my account current. Shellpoint has consistently incorrectly applied my payments and I'm to bear the responsibility of their predatory lending practices. Their system, accounting errors are the reason my account is showing past due and they should be held accountable for their errors. My account should not only be made current, but my balance should also be adjusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint that is now closed where I requested CrossCheck to do the following : It has come to my knowledge that the companies listed in this complaint. have been supplying my personally identifiable information to 3rd parties without my knowledge or my consent. In accordance with the fair credit reporting act, these companies have violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. 15 USC 1681 section 602 a states I have a right to privacy. 15 USC 1681 section 604 A, section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681C ( a ) ( 5 ) sections 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 USC 1681S-2 ( A ) ( 1 ) : a person shall not furnish any information relating to a customer to any consumer reporting agency, if the person knows, or has reasonable cause to believe that the information is inaccurate. 

crosscheck responded that it needed me to supply them with more of my personally identifiable information in order to process this request. There is enough information present in the complaint for them to respect my right to privacy guaranteed to me by the aforementioned statues and laws. Instead of respecting my right to privacy, CrossCheck is making me jump through hoops. I do not want them having my information, sharing my information, nor will I be voluntarily supplying them with any of my information. To expedite this process, you can find my ID attached to the complaint. Please note, I am doing this under duress, and if my request is not swiftly met with the requested action, I will pursue every penalty under the law. 

You will also find documents confirming my copyright, trademark, and notice of trespass fee schedule.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, I paid the balance of the loan in FULL. 

As of XX/XX/XXXX this credit is reporting a balance of {$1200.00}, which is false. 

XX/XX/XXXX, I submitted a disputed directly to the creditor stating the balance reported was incorrect... These fraudulent company responded stating the information on my credit report was being reported ACCURATE as of XX/XX/XXXX XXXX which is false. 

I called spoked to a XXXX XXXX, who was rude and condescending stating the loan won't be reported as paid off for 60 to 90 days. XXXX also noted they update the balances between the 1st and 10th of each month. The last time my credit report was updated was XX/XX/XXXX, where the balance was {$670.00}. 

Please see payment history paid off letter etc attached. 

Per the FCRA, this is not only not accurate it is also illegal shut this company down, I am certain they are defrauding millions from working class citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX XXXX XXXX, US DEPT ED 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: Money transfer, virtual currency, or money service

Over the last few years I have had numerous unauthorized transactions with the different bank accounts linked to my Zelle, specifically XXXX  XXXX XXXX and XXXX XXXX, Zelle has always told me it was impossible to trace or retrieve the funds since and never adequately investigated my claims but instead were very negligent in their investigations. CFPBs findings are very concerning considering I have been in that position and been neglected by Zelle and was not assisted in the retrieval of the funds.
Product: Checking or savings account

On XXXX XXXX XXXX, 2017 : I noticed on my account the withdrawal of XXXX. I called immediately and asked why and was promised a call back that was never received. I then called today and after a long wait, I then got through to the Online Banking team and was told my account was under investigation, I asked for a timeline so I can retrieve my funds. I was told I can not have that information. As you can see that is not convenient for me as I use my account for business activities.
Product: Credit card

My due date for my TJX credit card is the XXXX of every month. Since most of my bills are due on the XXXX, I requested a due date change to keep in line with my other bills. The change was requested on XX/XX/XXXX I believe. Prior to the change request, I was told the changes would take effect the next billing cycle which I understood to mean I would get my next bill XX/XX/XXXX ( the statement closing date is the XXXX of every month ). I continually checked my account looking for my XXXX statement, there wasn't one. I contacted the company asking why I didn't have a XXXX statement ( my current statement balance is over {$2400.00} ) and I was told my next bill won't be until XX/XX/XXXX! 

I advised that would make my statement balance too high for me to pay as I would have gone a whole month without a bill and this is my primary credit card. The representative advised me due to the change, I would not be receiving a bill until the change takes effect. I have almost always paid my statement balance in order to avoid paying interest and not having a bill for a whole month as this is my primary CC would mean I wouldn't be able to Pay the next statement balance. The company was not helpful.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX, this statement is being generated on my behalf. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account. The following inquiries were not authorized by me and I request removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit loan XX/XX/22 for a furniture store through Wells Fargo and it shows as a hard inquiry which is understandable. My concern is Wells Fargo has sent me a terms and condition attachment with no other information if I got approved or not. I contacted Wells Fargo on many different phone # s provided and they are not able to locate any information in their systems with my SSN #, full name and phone number. I explained to them that I show on my credit report that a hard inquiry is on there from them so someone should have that kind of information to run my credit. They advised me to contact the credit bureau to submit a complaint and now here I am
Product: Credit reporting or other personal consumer reports

Experian is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint and I'm not using any third party for this matter. I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. 
I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
I have filed FTC report for this matter and I'm asking you to remove these fraudulent posted on my report hard inquiries : XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX THEY MUST BE REMOVED IMMEDIATELY. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or information within my credit file. My credit issues are very specific, this item not mine. This means that you are reporting incorrect information within my credit report. It is with this in mind that I request that this listed item be DELETED! Policy states I have included here : copy of my SSN, ID, proof of address and FTC REPORT. I HAVE INCLUDED IN THIS PACKAGE : copy of FTC REPORT, COPY OF my DL, SSN, proof of address.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for.

Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX  days! 
These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any turner harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

I PAID THE XXXX XXXX XXXX XXXXXXXX CREDIT CARD IN FULL AND THEY WILL NOT UPDATE ALL THREE OF THE MAJOR CREDIT BUREAUS. I'M BUYING A HOUSE NEXT WEEK AND I CANT CLOSE BECAUSE OF THIS ERROR ON TRANSUION XXXX AND XXXX. I DONT OWE THIS COMPANY ANYTHING