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

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, I am writing to request a detailed description of the investigation process your agency followed regarding the disputed accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Upon reviewing my credit report, I identified inaccuracies in the reporting of an account with XXXX. Specifically, I noticed that there were two late payments inaccurately marked on my account. I would like to clarify that these payments were made on time and request that this information be corrected to reflect timely payments. Despite my previous dispute submissions, I have not observed any corrections or changes in the reporting, which continues to inaccurately reflect late payments on this account. 
Account Information : Creditor : XXXX Account Number : XXXX Discrepancies : The alleged late payments are reported on TransUnion for XXXX and XX/XX/XXXX as 30 days late. However, I have consistently made timely payments, as demonstrated by the attached payment records. These records substantiate that my payments were made as agreed and are evidence of a reporting error. It is concerning that, despite my previous dispute, no adjustments have been made to correct this information. 
Reference to FCRA Compliance and Accuracy : As outlined in 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should accurately reflect the transactions between myself and the reporting entities. Late payment reporting inaccurately reflects my payment history and misrepresents my adherence to the account terms. 
I kindly request that you provide a description of the procedure used to investigate and verify this account. I also ask that you include documented proof of the late payments if available, detailing dates, amounts, and relevant communications supporting these claims. In the absence of valid proof, I expect the credit reporting to be corrected promptly. 
Request for Corrective Action : If, after a thorough investigation, you are unable to provide verifiable proof of late payments, I ask that the account status be updated to " Paid As Agreed Never Late. '' As required by the FCRA, I request a written response within 30 days of receiving this letter. Failure to provide a timely and compliant response will be considered a violation of the FCRA. 
Your cooperation in ensuring the accuracy and fairness of my credit report is crucial. I look forward to a prompt response and a resolution that aligns with the FCRA and the Truth in Lending Act. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights. 
My credit was ran by a car finance company 16 times I have contacted the credit reporting agencies and they advised me they couldnt assist with removing them and to contact the creditors. I contacted the creditors and they told me to contact the Credit reporting agencies to get removed. They are sending me back and fourth and no one is actually helping me get these unauthorized inquires removed.
Product: Debt collection

Medical Data Systems is reporting a collection account on my reports that I have disputed for some time now. I never received any notice of this debt or that it would be reporting on my credit reports. I have contacted Medical Data Systems regarding this account and have never heard anything back. Per the FCRA, the consumer must be notified of any accounts that will report on their credit reports and it is the responsibility of the consumer reporting agency to report accurate information. I am demanding that this account is deleted from my reports as they are in violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent for and received a copy of my credit report, and it shows me to have lived in California. I have never lived in California in my lifetime.
Product: Mortgage

I received a reimbursement check from PayMap. The envelope that contained the check was stuck between other documents. Yesterday, XX/XX/XXXX, I found the envelope and the check. However, the check says that it is to be voided after XX/XX/XXXX. I contacted the number reflected in the paperwork, XXXX and was told that they could not assist and directed me to the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A FOLLOW UP ON CLOSED CASE # XXXX I AM OUTRAGED AND DEMANDING A REINVESTIGATION. 
American Express placed an invalid, unverified, fraudulent and illegal inquiry into my credit report without me authorizing their organization to view my credit history. This is a violation of Federal Law. American Express is knowingly reporting false information to XXXX and XXXX. This inquiry is NOT MINE, nor was it authorized by me, and American Express has failed to verify it. Their actions constitute fraud under both Federal and State Laws : -Violation of the Fair Credit Reporting Act -Defamation of Character I am disputing this inquiry, through both the CFPB and the NJ Attorney Generals Office. I've asked for verification. They failed to supply verification. This inquiry is negatively affecting my credit report and score due to this company 's false reporting. I contacted American Express and they have NO proof I initiated such an inquiry, nor written authorization. They have FAILED TO PROVIDE ANY PERMISSIBLE PURPOSE. 
what American Express submitted do not constitute verification under the federal law or FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- DELETE ACCOUNT I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and XXXX. 
XXXX. Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and XXXX failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that XXXX directly impact the accuracy of reports like mine. 
2. Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and XXXX have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 
Under the FCRA, I am requesting : 1. Immediate investigation into the disputed items listed above.

2. Removal or correction of the inaccurate information.

3. An updated copy of my credit report reflecting these corrections. 

Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies.
Product: Debt collection

XXXX XXXX has left multiple messages at my home for my former sister in law. This morning they started calling before XXXX XXXX  and we explained that we have no contact information for her and havent heard from her in years and to please stop calling our number. They said they would update their records. They then called back 4 more times before I took my phone off the hook. But I have an elderly mother that night need me so I cant keep it off all day. It is my day off and I wanted some peace. When I spoke with them the 3rd time they called they said Ill probably get more calls because it takes time to update their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

acct # XXXX XXXX XXXX XXXX CO - DATE XX/XX/2022 SHOWS A PAYMENT WAS RECEIVE. THE DATE IS FALSE. MAKING FALSE CLAIMS ON CREDIT REPORT IS ILLEGAL. 
15 U.SC 1681s-2. PLEASE PROVIDE RECEIPTS OF PAYMENT DATE XX/XX/2022.
Product: Checking or savings account

In early XXXX, I was notified by XXXX that my email and password were compromised on the dark web. I started to receive alerts from other companies that my identity had been stolen. I checked my primary checking account and noticed there were 11 XXXX Debits to unknown persons, as well as a deposited ( eventually returned ) forged check in the amount of {$2000.00}. The XXXX debits totaled {$11000.00} but only {$9000.00} were credited back to me. There remains an additional {$2000.00} that has not been credited back to me that was Fraudulent due to the data breach.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is a 3rd party agency claims that I owed {$290.00} to XXXX XXXX XXXX. I submitted a desist letter on or about XX/XX/year> under 15 USC 1692c ( c ) to stop contacting about a debt.
Product: Bank account or service

I have been disputing incorrect information Citi Financial has had on my XXXX credit report for over two years. They have been reporting to XXXX that I have a charged off account that was paid/settled for less than the full balance. I have never been in contact with Citi Financial to discuss a settlement nor did I pay any balance Citi Financial claims I owe for less than the full amount of the original balance. In XXXX XXXX, I received a letter from Citi Financial confirming I have never been involved in any settlement nor have I paid the balance they claim I owe and they would update my credit report to reflect a balance of {$6100.00} within 30-45 days of the letter. That has not happened over the last 15 months. In fact after my last dispute of this account with XXXX on XXXX/XXXX/XXXX, they reconfirmed with XXXX on XXXX/XXXX/XXXX that the account was paid for less than full balance. This currently is and has been false information on my XXXX credit report has impacted my ability to apply for loan items. This is a violation of the FRCA and I request this account be removed from my XXXX report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

Carrington Mortgage is reporting that my mortgage is 2-months past due as of today. However, I have been in direct conversation with Carrington Mortgage. It was late in XXXX, but I have confirmed multiple times ( directly with Carrington ), that my mortgage account has been current ( and still is ) since XXXX. I have also contested the status of my mortgage several times with XXXX, XXXX, and XXXX XXXX ; but Carrington Mortgage continues to confirm the delinquent status to the credit bureaus. So essentially, Carrington Mortgage is telling me that my mortgage is current and has been since XXXX, but they are still reporting it as 2-months past due on my credit report. They keep saying they will fix it, but the correction never happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to XXXX XXXX XXXX to obtain a loan, and someone else was able to use my social security number. LexisNexis provided information on two individuals with the same social security number.
Product: Debt collection

I checked my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancy : XXXX XXXX/ {$0.00} XXXX
Product: Mortgage

I have a mortgage with Ocwen. My monthly payment is {$220.00}. On the XXXX of each month I pay {$310.00} which leaves XXXX towards principal. On the XXXX of each month, I pay and additional {$400.00} towards principal. All total I shoulld have a total of {$550.00} credited towards my Principal. Since XX/XX/2013, when Ocwen obtained the servicing, I have paid over 39 months an additional XXXX towards my principal. My principal balance should be {$14000.00}, and not the {$18000.00} Ocwen is showing. Ocwen has disallowed me to log in to my online account. I registered my mortgage with ocwen in XX/XX/2013 and was able to log on and view all payments and history and view my loan documents. Because I filed my complaint, Ocwen have denied my access to the account. I called several times and was told that there was nothing they could do, and that I need to request any documents I need to look at in writing. I was also told that I can request statements. Why am I being treated different than any other account holder? Why am I being denied to view my payment history. Why is Ocwen hiding my payment history? Why is my bank account showing that I have paid more money than Ocwen has credited to my account.
Product: Mortgage

My conventional mortgage loan was sold to NewRez and went into effect around XX/XX/XXXX. 

I did receive communication from NewRez regarding how to access my new account but those methods have failed numerous times and I still have no ability to access my account. This includes no ability to pay mortgage online, assess escrow balance, submit home insurance information, and all other aspects of the loan management process. 

For the months of XXXX and XXXX, I was forced to call in my payment over the phone. However, I have no ability to ensure correct application to my account because I am unable to access my account information. 

I have called and spoken to no less than 4 NewRez agents on multiple occasions with no resolution. The dates of the communication were XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During the last communication on XX/XX/XXXX, the agent stated an IT request would be placed and a temporary password would be granted but neither of these things have occurred and no additional communication has resulted from this call.
Product: Mortgage

In XXXX, I bought a house and was financed through XXXX who sold my mortgage to XXXX XXXX XXXX, who then sold it to Greentree Service which became Ditech. There have been issues with Greentree and Ditech all along the way, with fees and harrasing phone calls, but the kicker was that I started to get a refinance in XXXX XXXX. From then until now, it has been one list of confusion and run around. No one in this company gives you the same answer and money seems to go missing. I first was told that I owed late fees but they couldnt tell me how much or for what or why I had money listed in an account marked " other funds '' but that wasnt late fees paid. Then they did a research on my account and magically made things add up after weeks and weeks. They lost my payment miss applied my XXXX mortgage with my XXXX and than held up a few more weeks. XXXX seperate checks with XXXX seperate accts numbers. Then finally the refinance department calls me and say they called my home owners insurance company and found out that my policy was cancelled a year before in XXXX XXXX because of non payment. Although it has always been part of my escrow. But when I call customer service they tell me no maam you are insured. They give me the policy number, the due date, the amount due etc. So for the past week its been chasing my tail to get straight answers. Where is my missing money? Why wasnt my policy paid. Where is a check they tell me they refunded me. Why dont they realize that if they have an extra {$1100.00} in the acct they may need to figure something out! I now have been dropped from my insurance company who wont take me back because of the lapse. I had to get a terrible policy just to get coverage. My out of pocket XXXX forbid something happen is {$2500.00} its a nightmare. So now that I ask where my money is now tax payments show that they have been issued to the county and XXXX to the city ( although I dont pay a city tax ). Both for the same amount. My township says they havent received a payment since the XXXX quarter. I think my money is being stolen or pocketed. I need help.
Product: Student loan

I am in a income based repayment plan. I pay XXXX a month. I am a XXXX citizen. I have worked in Public service and XXXX XXXX for over 20 years. I was told my loans ( XXXX ) do not qualify for any loan forgiveness program???
Product: Credit reporting or other personal consumer reports

I have been disputing with XXXX for the last four months. These accounts are not mine. I have been a victim of identity theft I have submitted information that they asked. It is unfair that I have to wait an additional 60 days when theyve already had XXXX to investigate and get this stuff removed I want this stuff off And I want the non-account holding inquiries off. This has completely ruined my life.
Product: Payday loan, title loan, or personal loan

Today, XX/XX/2019, I, XXXX XXXX, received an envelope from XXXX XXXX. Clearly in the address window were the words " payable to '' followed by my name and address. I opened it out of curiosity. It was a solicitation to take a loan with XXXX XXXX. Upon reading further, the check was live and cashable. The terms of the installment loan would be an APR of 44.99 % for a two year, {$2000.00} loan. I have pictures and originals of all documents. 

I think this would qualify as predatory and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my info in one if the largest leaks of its kind. It seems my SSN and other info was stored in PLAIN text. This security breach was 100 % avoidable with proper security practices including salted hashes which it seems were not employed.
Product: Credit reporting or other personal consumer reports

The account was found missing information and had information inaccurate it had me late on month then no data for several months and then late on another month. When asked to correct based on letter 609 of the fcra sub u.s.c 1681 no one responded or they just didn't look further into the information. None of what was being reported is accurate as the children where XXXX  and I was overcharged. Not to mention I am on social security for aged or disabled and am considered low income. From what I gathered support can no longer be required of me. Also they are refusing to correct because of their lack of knowledge on the opposing party which I feel is injust as well and a violation of my rights to dispute the validation of the allegations of what I supposedly owe. Which I do not owe any funds.
Product: Money transfer, virtual currency, or money service

I WANT MY REFUND THAT HAD BEEN CHARGED ON XXXX XX/XX/2019 FROM MY PAYPAL ACCOUNT AND THEY ARE SEEMS TO BE FRAUD SO I WANT TO GET MY MONEY BACK AS SOON AS POSSIBLE
Product: Checking or savings account

Mortgage payments through ACH withdrawals Navy Federal Credit Union ( NFCU ) XXXX and, are being delayed impacting payment posting date, bank is holding payment to loan Servicer XXXX XXXX XXXX Payments made are not debited from bank nor paid to loan after XXXX  days causing mortgage payment late, due to bank failure to pay ACH
Product: Credit reporting, credit repair services, or other personal consumer reports

I read over my credit report and found that some of the data were incorrect. These items must be verified by the XXXX and TransUnion Credit Bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting items as unverified information without offering any justification within the legally permitted time frame. My credit report lists the following items that require investigation and correction for inaccurate reporting in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX
Product: Vehicle loan or lease

I applied for a loan 3 different times and was approved all times with my interest rate decreasing. This will be my fourth time applying and my credit has improved balances have decreased and they increased my rate and refuse to tell me why other than my credit profile and when I tell the bank that my credit profile has improved it doesnt make sense that youre increasing my rate on m when youre saying its based on credit. Im being punished for having good credit and navy federal is not using good credit practice with providing loans and this isnt the first time neither they did they with my home loan when apply as well and they need to be looked into
Product: Credit card or prepaid card

TD Credit/  XXXX   XXXX    cancelled my credit without a call or anything. Then I paid what I owed them to attempt reinstatement and they declined to tell me why it was declined. These people need to be shut down these people destroyed my credit
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX