23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased an investment property and it was financed with XXXX mortgage and before I could make my first payment the loan was sold to New Rez LLC. I had an escrow account set up to pay my taxes and insurance. First I got a note from New Rez that they were adding insurance to my loan because I did not have any and after numerous calls we got that issue resolved, however then I received a letter dated XXXX XXXX from Office of the XXXX County Treasurer stating my taxes were delinquent on the property purchased at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. First thing I did was contact XXXX to ensure the monies had been sent to New Rez for my impound account and the dollar amount they sent. The amount sent to New Rez was {$390.00} and I have made four mortgage payments to New Rez, each time a payment is made {$130.00} goes to my impound account for a total of {$520.00}. With the 4 payments and the transfer the total in the impound account is {$920.00}. I contacted New Rez XX/XX/2020 and shared this information. They had me fax a copy of everything to them at Loan Servicing XXXX and assured me it would be resolved in 10 days. On XX/XX/2020 it was not resolved so I again called them and faxed everything to them again and was told it would be resolved and it was not. On XX/XX/XXXX I called and spoke to XXXX XXXX and my husband emailed her everything and we were told it would be resolved so we asked to speak to a supervisor, of which NONE were available to help us. We were told one would contact us within 48 hours which of course no one did. I again called today XX/XX/XXXX, spoke to XXXX XXXX and of course was told they can not take emails, they had no record of my call with XXXX and that they would send it to a supervisor to call us and again we wait 48 hours. I am in the middle of refinancing this property as I no longer want to do business with New Rez. There is NO EXCUSE for them not paying my taxes on time of {$240.00} and now the penalty of {$9.00} and a Cost fee of {$2.00} to the XXXX County Treasurer immediately. Today XX/XX/2020 I received a letter from them saying it was in response to my inquiry on my loan # XXXX which is serviced by New Rez LLC on behalf of XXXX  XXXX XXXX, the owner of our loan and they were working to gather the requested information and they would forward it to us. Not sure I understand that, it should say they have PAID my taxes!!!!!! I have spent 8 to 10 hours of my time trying to resolve this issue with them. I want my taxes paid, they have my money and it should not be this hard.
Product: Credit reporting or other personal consumer reports

The Payment Status is inaccurately reporting as 60 days late with Experian and 90 days late with Equifax, while XXXX correctly reflects it as current. Please update the Payment Status to " Current '' or " Paid on Time '' to ensure accurate reporting. The two-year payment history also reflects " Current '' or " N/A, '' indicating a positive payment history. Kindly update the account information to reflect the Payment Status as " Current '' or " Paid on Time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the Experian and XXXX credit Bureaus after I purchased a credit report with XXXX last XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile. I sent a letter to the 3 credit bureaus on XX/XX/2022. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my previous complaint and hoping that this XXXX XXXX XXXX  XXXX will be removed. 
XXXX XXXX XXXX XXXXXXXX Balance : {$94.00}
Product: Checking or savings account

On three separate occasions over a one week period ( XXXX through XXXX ) I have received three debit cards- referencing three new accounts opened in my name from M & T Bank. All accounts were opened On-Line using my name, address and SSN. The Bank has finally placed fraud alerts so that no other accounts or cards will be issued in my name.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year>
Product: Debt collection

american express continues to submit false information to the credit bureaus. I filed a complaint with XXXX and they repaired my report plus denied American Express access. 
Now they are submitting false information as if I have active accounts which lowers my credit report. 
Due to illness, I could not pay them and was charged off in XX/XX/2012. They continue to manipulate my report resulting in a XXXX point spread between XXXX and XXXX. I could really use your help as I view thjis as fraud. They also tried to say I opened new active accounts which may or may not still be on report. At this time they show my account as active when it was written off XXXX years ago. Thank Your
Product: Checking or savings account

When I went to XXXX my mom {$20.00} dollars on the XXXX of XXXX it came up with this new stuff I knew it was different but lately Chase has been doing new stuff but my mother didn't get it so by 1 hour zi call Chase they said wait a couple of hours it a send back ( lie ) as usual so around XXXX that is now XXXX I sent my mom another {$20.00} she got that instantly so XXXX something I call Chase again they said give it a couple of days and U a get it back in ur account ( lying again ) nothing on Saturday I get an email saying they stop payment on the check so this morning Monday the XXXX I call Chase ( again 3rd time ) oh it's stop paying on the check you have to wait 5 to 7 days now on top of the the other times I been waiting mine you this happened on the XXXX they tell lies after lie at this darn Bank and I'm sick of it!!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 A section 2 It also states that consumer reporting agent can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1692j furnishing certain deceptive forms I'm not participating in the collection of this alleged debt. XXXX XXXX XXXX XXXX XXXX cease and desist ASAP!
Product: Credit reporting or other personal consumer reports

User For over XXXX year, I have diligently attempted to address the inconsistencies between the information provided by Equifax and that of XXXX and XXXX. Despite my efforts, these discrepancies persist, leading to confusion and frustration on my part. It is concerning that the credit profile provided by Equifax does not align with the data furnished by the other XXXX credit bureaus. This misalignment not only undermines the accuracy of my credit report but also raises doubts about the reliability of Equifax 's reporting practices. 

Equifax 's customer service representatives have failed to provide meaningful assistance in rectifying these discrepancies. Instead, they have insisted that I have no credit profile or have requested unnecessary identification documents for every complaint I raise. This pattern of unhelpful responses and unfounded accusations has only added to my frustration and impeded the resolution of this matter. 
As a consumer, I have the right to accurate credit reporting and fair treatment from credit bureaus. However, Equifax 's actions have fallen short of these standards, resulting in significant distress and inconvenience for me.
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Student loan

AES/PHEAA - Last year, I was paying this student loan servicer over {$500.00} a month and had been for over 5 years. When I went to apply for a mortgage, my credit report showed that this company had put my account into collections. At that time, I paid off the account ( about $ 80K ) and requested documentation that showed how AES/PHEAA determined the account was a collection when I was paying on it for so many years. 

After much back and forth AES/PHEAA said they would take this account ( Account # XXXX ) off my credit, please attached document. However, it has been almost 5 months and this account is still is on XXXX and XXXX. They removed it from XXXX  only.
Product: Credit reporting

This complaint is because Experian has ignored my request to provided me with the documents that their company has on file that was used to verified the accounts I disputed. They have gone past the 30 days and ca n't verify these accounts.Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly delete all information which can not be verified '' that I have disputed. I need this issue resolved as soon as possible. 
Thank you,
Product: Credit reporting or other personal consumer reports

I am writing to address an issue with inaccurate late payment entries on my credit report. After carefully reviewing my payment records, I noticed several instances where payments were reported as late despite being made on time. Over 30 days ago, I sent correspondence along with documentation disputing these erroneous late payments, but I have not received a response or resolution. 

Despite my efforts to resolve this through proper channels, the inaccurate late payment entries remain on my credit report. This is unacceptable and violates the Fair Credit Reporting Act, which requires credit bureaus to maintain accurate consumer credit information. 

I am respectfully demanding that you investigate this matter promptly and remove or update any inaccurate late payment entries from my credit report. Continuing to report incorrect payment information is misleading and damaging to my credit profile.
Product: Credit card or prepaid card

In XX/XX/2017 I filed a complaint with Capital One, where it was discovered that my own father stole my identity and acquired three credit cards. Two of these cards were with Capital One. Capital One removed all references to these debts on my credit reports, and I assumed that Capital One would turn over the identity theft issue over to the Federal Bureau of Investigation. Now I receive a letter from a law firm known as XXXX XXXX XXXX, XXXX. out of XXXX, Florida. The debt is not valid pertaining to me, and Capital One knows the facts, they removed the accounts from my credit reports, and it is their responsibility now to pursue charges against my own father. I demand a retraction of this collection attempt, and for Capital One to purge any reference to my name and social security number immediately. The Consumer Financial Protection Bureau needs to see just how easy it is for law firms operating as collection agencies can ruin a person 's creditworthiness so quickly. I demand the purging of my information from Capital One and XXXX XXXX XXXX, XXXX. immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of Rights- Failure to follow laws when notified of identity theft when all required documents were submitted with FTC ID Theft report on XX/XX/2022. 
Accounts listed on Identity theft were not blocked in 4 days required by law. 
Accounts listed in Identity theft report were never blocked or deleted. 
XXXX to decline or rescind allowed only if consumer reporting agency reasonably determines that the information was blocked in error or block was requested by the consumer in error, the block was requested by the consumer on the basis of material misrepresentation by the consumer or the consumer obtained possession of goods, services, or money as a result of the blocked transaction. 
CRA did not have the authority to decline or rescind block for the reasons they stated.
Product: Checking or savings account

On XXXX XXXX my niece passed away. On XX/XX/XXXX we received notice from Citizens Bank that they were going to move her account to the Abandon Property Division of MA. On XX/XX/XXXX I went to the bank and informed them that I was awaiting appointment from the State to be her Personal Representative. The manager informed me that she made a note on the account and they would not move her account. XXXX XXXX I received the appointment and proceeded to ascertain the funds. I applied for and XXXX number and on XX/XX/XXXX sent them the required documentation. Not hearing from them called the Decedent Account Processing center not once but many times. Finally after many hassels with representatives of the bank they informed me the money was forwarded to the State, total amount sent {$100000.00}. I am presently trying to get the State to release the funds.
Product: Debt collection

Subject : Formal Debt Validation Request To Williams & Fudge I am writing to formally request validation of the debt you allege I owe, as per the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. This request is made in light of my rights as a consumer and my desire to ensure that I am fully informed about the nature of this debt. 

I have been made aware that you have contacted my family members regarding this alleged debt. Such actions constitute multiple violations of the FDCPA, including : 1. **15 U.S.C. 1692b** : You are prohibited from discussing my debt with third parties without my prior consent. Contacting my family members in this manner is a clear violation.

2. **15 U.S.C. 1692c ( b ) ** : This provision expressly forbids any communication with third parties concerning a consumers debt without consent. Your actions are not only a breach of this provision but also constitute harassment. 

3. **15 U.S.C. 1692d** : You may not engage in conduct that is harassing, oppressive, or abusive. The act of contacting my family members is not only unprofessional but may also be viewed as an intimidation tactic designed to coerce payment.

4. **15 U.S.C. 1692e** : You can not use any false, deceptive, or misleading representations in connection with the collection of any debt. If your communications implied that my family members had a legal obligation to pay my debt, this would violate this section.

5. **15 U.S.C. 1692f** : This section prohibits unfair or unconscionable means to collect or attempt to collect a debt. The act of contacting third parties about my alleged debt without my knowledge or consent is a violation of this standard.

To validate this debt and comply with my request under the FDCPA, please provide the following documentation : 1. **Original Creditor Information** : The name of the original creditor, the account number, and the exact amount owed.

2. **Proof of Legal Right to Collect** : Documentation establishing your authority to collect this debt, including any assignment or transfer of the debt from the original creditor to your agency.

3. **Account Statement** : A complete and detailed itemization of the alleged debt, including principal, interest, fees, and any other charges that have been applied.

4. **Supporting Documentation** : Copies of any contracts, agreements, or other documents that substantiate the existence of this debt. This includes any signed agreements related to the debt.

5. **Compliance with State Laws** : Evidence of your compliance with any applicable state laws governing debt collection practices.

Please respond to this request within 30 days of receiving this letter. If you fail to provide the requested validation, I will expect that you cease all collection activities, including any further communication regarding this alleged debt, and remove any negative reporting associated with it from my credit report. 

This letter serves as a formal notice of my rights under the FDCPA and should be treated with the utmost seriousness. 

Thank you for your immediate attention to this matter. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Balance {$0.00} XXXX-Balance {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) -XXXX-Balance {$580.00} XXXX-Balance {$670.00} XXXX-Balance {$890.00} XXXX XXXX XXXX-Balance {$690.00} XXXX-Balance {$0.00} XXXX XXXX XXXX-Balance {$2100.00} XXXX-Balance {$0.00} XXXX XXXX-Balance {$610.00} XXXX-Balance {$0.00} XXXX XXXX-Balance {$610.00}
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other income deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely acess to funds. This Situation raises concerns about customer protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and Equifax is violating my rights under The Fairs Credit Act. I have faxed and mailed several documents to Equifax about fraudulent accounts, credit cards, addresses etc and they refuse to delete this information under the Fairs Credit Act. I have sent over my Identity Theft Report from FTC and IRS Identity Theft acceptance letter as well as statements, blocking letters etc. and they have refuse to remove this information from my credit report. XXXX   and XXXX  has already deleted these fraudulent inaccurate  information from my reports but Equifax refuses to. EQUIFAX IS IN VIOLATION OF FEDERAL LAW AND VIOLATING MY RIGHTS UNDER THE FAIRS CREDIT ACT UNDER SECTION 605b. 

Last certified mail to Equifax Information Services, LLC XXXX. XXXX  XXXX XXXX, GA XXXX was mailed on XX/XX/2020 via certified USPS mail and Equifax have not updated and block these inaccurate accounts.They have also block my online access to myEqfuiax.com and are not responding to my disputes and Identity Theft claim. Equifax is in continued violation of my rights as a U.S citizen under the fair credit act. 
XXXX XXXX responded to my request and verified that the account was a result of Identity theft and had to force Equifax to remove this account. There are still 2 fraudulent XXXX accounts that Equifax has refused to delete under the fairs credit act. If Equifax continues to violate my rights under The Fair Credit Act. I WILL FILE A LAW SUIT AGAINST EQUIFAX for DAMAGES FOR A NEGLIGENT VIOLATION if this matter isn't resolved correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I received a letteer from XXXX XXXX XXXX in regards to a debt that i supoosely owed. I paid them with the regards of having the item removed from crecit file. as of this date, the item still shows up on Experian and XXXX. I've made several attempts to rectify the issue. I'm in the process of purchasing a home for my family which I told this debt collection agency XXXX. They still have yet to removed this item. So I'm asking for help in this matter Thank you
Product: Mortgage

The property taxes for 2 of the 3 lots covered under the mortgage haven't been paid. They were due in XXXX, and even after several calls about the matter, nothing has been done. I have not even received a return call on the matter.
Product: Credit card or prepaid card

I continue to be unsatisfied with Citi 's prior charges-related response on their XXXX debt protection program fees. Even though this was subject to a consent order ( including paying mandatory prior period refunds ) in 2015 with the XXXX  they have refused that refund. The refund request was reasonable and the reply I got simply said I purchased on XXXX XXXX with no mention of consent. I do not believe I ever consented in any form to these charges. I am convinced they have failed to follow the consent order with my account and am still pursuing the applicable refund. 

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

In accordance with the fair credit Reporting act CapitalOne, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Late payments recorded XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2019
Product: Credit reporting or other personal consumer reports

Im writing because Im honestly at a loss with how to deal with the repeated mistakes on my report. These errors have already damaged my score, closed doors to opportunities, and left me feeling powerless. Its exhausting to constantly fight for something as basic as accuracy. I shouldnt have to deal with the consequences of errors that shouldnt be there in the first place.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/year> with a balance of {$3300.00} that appears related to the personal loan account opened at XXXX XXXX XXXX XXXX. This account have resulted in fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned collections as reported. The aforementioned collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned collection are the result of identity theft and fraud.