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

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more knowledge on. The incorrect and inaccurate information being reported is hurting me to exercise my credit rights.. I read something called the Fair Credit Reporting Act where it states by law, I have rights to challenge anything I am sure is inaccurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. 
pursuant to federal and consumer law all items mentioned must be removed for the following reason : i the consumer exercise my right to privacy and under the ( FAIR CREDIT REPORTING ACT ) 15 usc 1681c it defines everything that is to be excluded from a credit report. further more i have never given consumer reporting agencies written permission to furnish a report on my behalf with they are required to have under ( FCRA 15 usc 1681b ( 2 ). Due to the nature of theses offenses i can and will hold all parties included accountable and seek litigation if my desired outcome of removal from all consumer reports aren't met pursuant to 15 usc 1692k. please delete information at once I am familiar with 15 U.S.C. Sec. 1681 ( a ) and it states if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? You have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately. 
Account XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately Account XXXX : us XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately Account XXXX : XXXX Account XXXX : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately. 
Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX I also read where I am allowed the updated report after you complete your investigation. Could you please send it to me? Also, please let me know who had access to my file as well as date time and original contract with signature if your finding comes back to be correct. I want the investigation outcome to be sent to my address and not any other incorrect addresses listed on my report.
Product: Mortgage

I called after my tax escrow was not received by the city before the end of XXXX. 
I was told it was sent XX/XX/XXXX. The city of XXXX XXXX received payment on XX/XX/XXXX. They also have overpayment of {$310.00} that has not been returned. 

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

I checked my credit report, noticed two inquiries from XXXX XXXX, XXXX and XXXX that I'm unsure of where they originated. I have not applied for any new accounts because of my open bankruptcy yet inquiries from different courses keep popping up. I have added fraud alerts to all of my credit files with each credit bureau.
Product: Credit reporting or other personal consumer reports

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

In accordance with the laws, everything must be accurate and verified. EXPERIAN and XXXX and continually inputing the same account with a different number. 
I havee contacted the bureaus back XXXX and had put a fraud alert on my reports and filed FTC AFFIDAVIT to show prooof of the accounts being a different numbers, they deleted and inputted again with another number. 

Experian reported XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. 

Two different numbers for the same account! This is fraud and illegal. 
Not just accounts are in accurate but it is also, illegal to list dates of LAST DATE oF ACTIVITY two different dates and made it newer, reaging is illegal. 

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. 

I want the account deleted or pay me for my time and continual headache from the laziness and fraudualant practices of your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 30 days ago I did Experian boost and my score went up to XXXX. One week later my bank was disconnected from boost for an unknown reason. I called Experian and they told me to reconnect my bank. When I did this my score went from XXXX to XXXX. I called 4 times and got XXXX different answers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Ct XXXX OH XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX D.C. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Deleted Account from Credit Report Dear Transunion , Equifax, Experian I am writing to formally notify you regarding the recent deletion of a charge-off account originally reported by XXXX XXXX  from my XXXX credit report. My name is XXXX, and the account in question had a balance of {$2200.00}. Following my dispute, XXXX completed their investigation on XX/XX/XXXX, and subsequently deleted the account from my XXXX report. 

According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), I have the right to dispute inaccurate information on my credit report, and this includes accounts that can not be verified. Since XXXX has deemed this account unverifiable and has removed it entirely from their reporting, I am requesting that you take similar action with regard to your records. 

The FCRA mandates that if an item is determined to be unverifiable, it must be removed from the credit report. Specifically, under Section 611 ( a ), you are required to conduct a reasonable investigation and, if you can not verify the information, you must delete it from my credit report. I expect that you will comply with this requirement and remove the unverifiable debt from my credit report within 30 days of this notice.

Failure to remove this account within the specified time frame will leave me with no choice but to consider further action. As a consumer, I have the right to take legal action under the FCRA, including but not limited to seeking damages for violations of my rights as outlined in Section 616.

Please consider this letter a formal request for the immediate removal of the unverifiable account from my credit report. I expect a written confirmation of the removal within 30 days.

Thank you for your prompt attention to this matter. 

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

I disputed this with Experian and Uploaded the paid-off in Full Document. This account is no longer in collections. I would like it removed from my credit report as it is settled. XXXX XXXX was paid XXXX 2022 for the full amount. Also please remove the IN COLLECTIONS status for the month of XXXX as it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

My leased XXXX XXXX XXXX was totaled on XX/XX/XXXX. XXXX was notified and paid in full on XX/XX/XXXX. XXXX applied the lease payoff in XX/XX/XXXX ( they took a month to record the payoff ). XXXX kept reporting the loan was not paid through XX/XX/XXXX showing arrears. I called XXXX twice in XXXX  months to correct it. Finally they corrected it with Transunion, but Transunion still proceeded to drop my excellent credit from approximately XXXX to XXXX. THEY NEVER CORRECTED MY XXXX XXXX. Now the other XXXX agencies are following suit ( XXXX and XXXX ). I have worked XXXX for my score to be in the XXXX. THIS HAS TO BE CORRECTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX XXXX XXXX XXXX Violated my rights Federal Protected consumer rights 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. It's also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items of In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. information. Other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 [ A7 { 1 ) A person Shall not furnish Any information relating to A consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have sent Shellpoint over {$80000.00} in home improvements.

I have received 2 appraisals. 
My house, not including any improvements, is value at {$520000.00}. 
That is MORE than the XX/XX/20 required for PMI. 
Shellpoint continues to charge {$170.00} every month for their XXXX  insurance. 
I want it removed. 
If they want another appraisal, they can pay for it.
Product: Credit reporting or other personal consumer reports

They are reporting a debt that is not mine, I have no knowledge of and never opened. I disputed the account and they still wont remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency is reporting a bankruptcy that is not mine. I've been told that this inaccurate record was provided by XXXX. XXXX has investigated and advised that they were unable to verify the bankruptcy. There is no bankruptcy listed in my XXXX file, so when is the credit reporting agency reporting inaccurate information.
Product: Student loan

Immediate Credit Recovery, Inc. wants me to pay {$860.00} per month as a repayment to my student loan. I have been making regular payments for over one year, and have paid off many previous students loans in good faith in the past. I returned to school to earn my XXXX XXXX XXXX and these loans were supposed to be deferred, but were mistakenly not deferred so I was sent into default. 

I am a good person, who has every intention of repaying my student loans ; has demonstrated a good repayment history over the past 12 months and would prefer to make direct payments to the US Department of Education. I can not afford the {$860.00} monthly plan this debt collector put me on. They are unreasonable and are unwilling to work with me. REF account # XXXX Please help me resolve this so I can pay the US Dept of Education directly. I appreciate your support. Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a result of a XXXX XXXX my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus are unlawfully reporting unauthorized inquiries on my consumer report! I have sent numerous letters asking them to remove the hard inquiries listed below along with the dates when they were reported : ALLY FINANCIAL XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX 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 or other personal consumer reports

I have several data breeches that has affected my credit Tremendously Starting back from XXXX Starting with XXXX until now because of identity theft and data breeches that shared important personal data information.i was sent out letters that involves me in data breeches such as Mail fraud, Tmx, XXXX XXXX, Title Max, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX would like to know how to file for Relief Refund.
Product: Mortgage

I received a letter stating they didnt have my flood insurance. I sent it in. They said it was never received. I resent it. I then received a letter from Truist stating they received it and updated my account and my coverage was fine. I now received a letter stating they are going to force place insurance on my account. This is unacceptable.
Product: Credit reporting or other personal consumer reports

i have late payments that are not prohibited to be reporting on my report due to the TILA section ( 1666b & 1637 ( b ) ) and FCRA section ( 1681s-2 & 1681 ) they keep sending letters back saying verified but i know they are not doing their jobs. 
the accounts are XXXX XXXX  card services acct # XXXX limit XXXX have XXXX late payments on whole account which i was not late XXXX XXXX  acct # XXXX limit XXXX have XXXX late payments which i was never late sofi bank acct XXXX limit XXXX XXXX  XXXX  acct # XXXX limit XXXX and the law that congress passed 15usc 1666 ( a ) & ( b ) a creditor may not treat a ( PAYMENT ) on a credit card account under an open end consumer credit plan as LATE for any purpose. 
please update these and handle in a timely matter thank you. 
unauthorized inquires XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX amount of XXXX law that congress passed 15 usc 1681 i 15 usc 1681s-2 26 u.s code 9816 its unlawful to report medical bills to credit.
Product: Mortgage

In XX/XX/year>, I submitted an application to Flagstar to request that my monthly mortgage payments be decreased. Originally, my monthly mortgage payment were {$1200.00}. I received a statement stating that my application was approved and that my monthly mortgage payment would be {$1200.00}. I called Flagstar to make my XX/XX/year> payment, I was told by XXXX XXXX XXXX XXXX that there was an error in the amount on the approved application and that the payment should only be {$1000.00}. At this point I was not delinquent or late on any payments. I was told by Flagstar representatives not to make the XXXX payment and that they were resubmitting the application. I called Flagstar in XX/XX/year> to make the XXXX payment. I was told by a Supervisor not to make the XXXX payment - I was told if I made the payment that I would not be eligible for the decreased monthly payment. I was told not to make a payment until XX/XX/year>. I have made my trial payments for XXXX, XXXX and XXXX however, Flagstar has reported me over 60 late to the credit bureaus. I explained to Flagstar that I was planning on selling the home and I would be getting a mortgage loan for different home. My credit is now ruined. I was unable to get a pre-approval and I think that the practices were unfair and I would like the negatives removed from my credit report since I was only following what Flagstar suggested that I do. Now Flagstar is transferring my mortgage instead of addressing my issues with this matter. I have disputed this matter with Flagstar to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up to complaint # XXXX made on XX/XX/XXXX. I was led to believe that my score was dropped on XX/XX/XXXX by XXXX pts and on XX/XX/XXXX by XXXX pts due to reporting from my bank. Nothing else had changed on any of my accounts. Today I was informed by agent from my bank that the only thing they reported to Experian at the end of XX/XX/XXXX was that I had XXXX balance. Yet my score was still dropped. I am very concerned that they will drop my score again this month because my bank actually reported the {$400.00} withdrawal at the end of XXXX ( withdrawal was made on XX/XX/XXXX ). If bank did not report it until XX/XX/XXXX why did my score drop twice in XXXX???? 
It was my understanding that scores do not drop twice in one month unless serious changes were made. That has not happened in my case. Both times that my score was dropped I had XXXX balances across the board. I feel as though I'm being penalized for having good credit and It appears that they are just dropping scores because they can. PLEASE HELP. Thank you
Product: Credit card or prepaid card

On XX/XX/22 I accidentally sent a payment of {$2400.00} from my XXXX checking account electronically, using the bill pay, to my Capital one credit card account At the time my Capital one balance was {$190.00}. I have called Capital One numerous times, and also written, the last call was XX/XX/22 The account XXXX stated the money was returned to me via ACH to my checking account. It has never been credited. I had a three way conversation between XXXX, Capital One and myself. T he XXXX rep told the Capital One rep a credit has never been deposited to my account He checked from XXXX through present and no credit was posted. The Capital One rep stated their records show a credit was sent on XX/XX/22 and I need to follow through with the bank. XXXX said no credit was ever received and I need to follow through with Capital One. Capital One has closed my claim and will not investigate any further. The bank said they can do nothing further information I am currently out the full {$2500.00}
Product: Credit card or prepaid card

The American Express Gold has an annual {$100.00} travel credit. I used the {$100.00} travel credit on several different XXXX XXXX reservations to pay for taxes and fees and was reimbursed by American Express ( I received statement credits totaling {$100.00} for the taxes and fees that I paid with my Gold card between XXXX and XXXX ). I was unable to travel at the time and had to cancel those reservations and received refunds from XXXX XXXX. Last week after I cancelled the Gold card American Express billed me for the {$100.00} in statement credits that I received and claimed after the fact that because the flights were cancelled that I should not have been eligible to receive the statement credits from them. I have it in writing from American Express that any refunds from XXXX would automatically reduce my statement balance without mentioning anything about the credits being clawed back.
Product: Debt collection

I am filing this complaint regarding the innacurate item of account number XXXX from Jefferson Capitol that continues to impact my score negatively. Despite my efforts have this resolved with the collection agency, it remains inaccurate and unresolved. I request immediate investigation and removal of this item, as it is, incorrect and does not reflect my true credit history.
Product: Credit reporting

I believe if this is a student loan and they are reporting that I am late on payment but they are direct withdrawal. If this is n't a student loan then I do not know who they are or what it would be. Either way it is affecting my credit score. Furthermore, they have not tried to contact me.
Product: Credit reporting or other personal consumer reports

I submitted a complaint against EQUIFAX on XX/XX/2023 and on XX/XX/2023 about reporting an inaccurate account on my credit report. I dont owe XXXX a debt, I have no open account with XXXX XXXX In fact they agreed to be removed from my XXXX XXXX XXXX credit reports because they violated FCRA law and now EQUIFAX is violating my rights as well. I originally filed a dispute against XXXX regarding the inaccurate reporting & discrepancies reported on my consumers report on XX/XX/2023 which gives EQUIFAX, XXXX, & XXXX 30 days to correct the inaccurate information or delete the account, and if failed to do either of those you will be held liable for statutory damages for violation of federally protected laws made for consumers by the FCRA & FDCPA. XXXX & all 3 of the Credit Reporting Agencies failed to comply with FCRA law therefore violating my rights. 

Additionally, as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ) ;, you are liable to me for statutory damages for your misconduct, in addition to your deletion of the disputed account mentioned, you are demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX issued, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowed period to conduct such a reinvestigation has expired and shall not be extended by law.

Within 14 days, ( 1 ) DELETE the account in dispute, ( 2 ) send a updated copy of my consumer file, ( 3 ) send me the {$1000.00} check to my mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ).
Product: Credit card or prepaid card

I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and NAVIENT with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XX/XX/2018.
Product: Debt collection

I found several incorrect accounts added without consent to my credit report. Please block and remove them at once.