23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

As of XX/XX/2020 SLS manually reported to the bureaus a principle balance of {$370000.00} plus adding {$14000.00} of the deferred non- interest bearing amount to the balance. This non-interest bearing amount Of {$14000.00} has never been reported on my principle balance to the bureaus. Because of this my score dropped 58 points today, XX/XX/2020. 

The bureaus now show a balance of {$390000.00}. This is not fair to add the {$14000.00} deferred amount in the middle of my loan history to the credit bureaus.

Every month when consumers make payments, the balance should decrease- this helps the credit score Increase - by adding the deferred amount, placed an increased balance and significantly impacted the score.

I am in the process of closing on a home. My new lender is not able to provide a final approval for my loan due to the credit score drop of 58 points.
Product: Debt collection

Have mailed and tried calling the company to get more info on why this debt is owed. I've attached proof and info that is needed in this complaint. Never got the response from them after I sent certified mail. Filed a complaint case number XXXX and they wanted to see my credit report with it on there for proof.
Product: Credit card

I responded to an offer for a credit card through Capital One, somehow they used my wife 's Soc Sec number instead of mine, the issue was that when I reported it, they suspended the card due to fraud.To resolve it, all I needed to upload a few documents documents to their site to remove the restriction, I had no problem with that and complied on or around XXXX XXXX, 2015. I have called XXXX times spending over an hour to try to resolve the issue and was promised issue would be resolved within a couple of days. I really have no use for the card and have a XXXX balance. My real complaint is that in order to cancel the card, the suspension needs to be removed, all I have to do is call them again and spend another hour to see if they can remove the suspension. I will probably do that, but I feel that this type of service needs to be reported. I still have not been told how my wife 's social security appears on the account, instead of mine. I can understand putting a hold while it gets resolved but I ca n't stand the type of service that keeps telling you to call a specialist who is on XXXX/XXXX, spend an hour on the phone with that person, and getting nothing done.
Product: Money transfer, virtual currency, or money service

Im making a complaint against cash app ( Block ) due to inadequate customer service and unfair practices which violates the customer service financial protection Act ( CFPA ). Cash app failed to take timely and effective measures to prevent fraud.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase ran my hard credit two days in a row XX/XX/XXXX & XX/XX/XXXX. 
They made a mistake and should have only ran it once. 
Also they never processed the application because it was flagged as possible identity theft. The resolution letter went out with no path forward to fix except run credit a third time. 

They shouldnt run credit three times to try and get a credit card
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to see inaccurate accounts on it. I have no idea why this is happening because my credit report has always been fine in the past. I thought it might be a browser glitch, so I refreshed the page multiple times, but the errors didnt go away. Now Im begging for the documents I submitted to be thoroughly reviewed so I dont have to live in constant worry about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to EXPERIAN asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from EXPERIAN and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXXXXXX Date of inquiry XX/XX/20XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, 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. XXXX ) XXXX XXXX # XXXX XXXX ) XXXX XXXX # XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15USC 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.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal dispute regarding Equifaxs mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Equifaxs handling of consumer disputes, which are directly relevant to my experience.

I previously disputed the following information on my Equifax credit report : Disputed Issue : [ e.g., incorrect late payment, inaccurate balance, unverifiable account ] Despite submitting evidence to support my dispute, Equifax failed to conduct a proper investigation. Specifically : 1. 2. 3. Sham Investigations : Equifax failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided.

Failure to Provide Investigation Results : The response I received from XXXX was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision.

Potential Improper Reinsertion of Inaccurate Information : I am concerned that Equifax may have improperly reinserted information I previously disputed and believed to be corrected.

Equifaxs actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice.

CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.

1. 2. 3. 4. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

Remove Inaccurate or Unverifiable Information : If Equifax or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information.

If Equifax can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA.

I look forward to receiving a response within 30 days, as required under the FCRA.
Product: Mortgage

For fiscal year XX/XX/XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX issued a property tax bill of {$9800.00} to be made in two payments of {$4900.00}. 

Our mortgage company, United Wholesale Mortgage ( UWM ) issued one payment of {$4900.00} in XX/XX/XXXX and three payments of {$4900.00} XX/XX/XXXX. UWM issued one tax refund of {$4900.00} on XX/XX/XXXX. We have been awaiting the refund of the other {$4900.00} for nine months now. 

I have attached the escrow account payment history from the UWM online portal and UWM XX/XX/XXXX mortgage statement to support the three tax disbursements made in XX/XX/XXXX and only one refund provided in XX/XX/XXXX. 

UWM representative, XXXX XXXX, has acknowledged the error made by the UWM team and informed us that the work order will be completed and a refund of {$4900.00} will be issued by XX/XX/XXXX. I have attached the response from XXXX XXXX for support. We followed up again with XXXX XXXXUWM via secure message on XX/XX/XXXX and have not received any response nor refund to our escrow account. We have spent many hours following up and explaining this error to UWM. We have been contacting UWM via secure message and phone since XX/XX/XXXX to fix this issue. 

Please note that XXXX XXXX XXXX has confirmed no refund due to us. The refund of {$4900.00} will need to be issued by UWM as they had incorrectly disbursed the extra tax payment in XX/XX/XXXX and have not refunded us as of today, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have tried to dispute the incorrect SSN and related inaccurate information in my report three times since XXXX. I uploaded my SSN card as evidence with my first dispute, but nothing has been corrected over the past three months and three repeated disputes. They keep sending me the same report without making any corrections.

Now, I have to file a fourth dispute, and they claim that my SSN card, uploaded in XXXX, is no longer valid as evidence. Theyre requesting that I re-upload my SSN card to prove 'Im me, ' despite already having the previous upload on file. Its extremely difficult to get this company to correct the wrong information. 

Thank you!
Product: Credit reporting or other personal consumer reports

The Collection Account in question does not belong to me. I've repeatedly requested the original contract and any signed documents linking me to this account from the reporting agency, XXXX XXXX XXXX to no avail. 

I've never held a XXXX account and have asked for any contract associating me with it, again with no success. Their claim of {$610.00} is baseless as it's not my account but rather a fraudulent one. 

The XXXX account has overstayed its welcome on my credit file, surpassing the permissible duration according to consumer laws, and should have been removed by now. 

Regarding the XXXXXXXX XXXX account, I've disputed its authenticity and requested XXXX to provide any documentation linking me to it, but nothing has been forthcoming. 

Furthermore, accounts settled and paid should not linger on my credit file beyond the stipulated timeframe set by consumer laws, including the XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 U.S.C. 1681. 

XXXXXXXX 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. Section 604 A Section 2 its also states a consumer reporting agency can not furnish an 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 following items of information Any other adverse 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: Debt collection

I have mailed them cease and desists letter and they continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got signature loans with XXXX XXXX XXXX between XXXX - XXXX. I paid all of them on time in full. The last on either my ex husbands responsibility. These accounts are in good standing but they aren't helping my credit score. I have wrote 3 or 4 letters asking them to remove all accounts from all 3 credit bureaus but they yet to be removed. They are way over Statue of limitations limit. I don't understand why they won't delete them.
Product: Debt collection

someone called pretend to be me and XXXX did not ask for the pin and they gave out private information and that person called everyday till. I told at & t they where the one that broken the contract and gave out person information, and I left and went some where else, has been about 2-4 years ago. and now they are going to different collection such as XXXX, XXXX, XXXX, XXXX, ENHANCRCRCO, XXXX XXXX XXXX, XXXX, and new one is ERC. I though the case was over three months because there was no movement from XXXX.
Product: Mortgage

We received a form XXXX from Ocwen for the debt cancellation of {$150000.00} for 2017 Tax year. Debt was cancelled as of XX/XX/2017 per form XXXX. Per the loan modification agreement and letter from Ocwen 's Office of the Consumer Ombudsman, the principal reduction of {$150000.00} would occur over a 3 year period. The deferred principal reduction was to be reduced by {$50000.00} over a 3 year period. The XX/XX/2017 mortgage account statement shows the deferred principal balance has been reduced from {$150000.00} to {$120000.00}, difference between the two amounts is the agreement principal reduction amount of {$50000.00}.
Product: Credit reporting or other personal consumer reports

This afternoon, I discovered inaccurate accounts on my credit report, and Im absolutely baffled as to why. When I checked my report as I always do, I was floored to see errors that I never expected. Refreshing the browser didnt change anything ; the incorrect accounts remained. Im asking now for a complete review of the documents Ive sent so that I can feel at ease again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called XXXX  times over the course of a year to have them change my DOB. XX/XX/23 is the last time Ive called and am going to call. This has not only caused declines credit but also information on my credit report that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple accounts showing wrong information like dates of activity, dates accounts were opened are wrong. The last payment dates are incorrect between the bureaus, missing or mismatching verification dates, some say open with one bureau and closed with another when they're both closed and paid. I've disputed these accounts with all 3 multiple times and my requests to have them removed have been ignored. I have no accounts with XXXX XXXX either, I've never spoken to them. I'd like these accounts removed from my credit reports. The following accounts that have been ignored when requested to be removed for inaccurate information are : XXXX - I've disputed that under the Cares Act that late payments for mortgage were forgiven from XXXX and those corrections have been ignored every time as well. 
XXXX XXXX XXXX # XXXX PXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : The reported balance is incorrect. 

XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Experian/XXXX
Product: Debt collection

I originally filed a complaint against Portfolio Recovery Associates on XXXX XXXX following their refusal to properly validate an alleged debt in my name. In the time since, I have disputed the debt with the XXXX major credit bureaus, I have filed complaints against Portfolio Recovery with both the CFPB and the XXXX, and I have directly communicated to Portfolio Recovery their violations of FDCPA legislation. They continue to not take this matter seriously. Although I have decided to move forward with legal action against the company in Federal Court for the District of New Hampshire, I still want the CFPB to be involved in this matter. The CFPB has already had significant dealings with Portfolio Recovery and it is important that the Bureau be aware that Portfolio Recovery has not made any meaningful changes to its business practices as they relate to compliance with established federal law. 

As of the date of this renewed complaint, Portfolio Recovery has failed to offer me any validation that this alleged debt belongs to me, that the amount they are claiming is accurate, or that they as an organization even have legal authority to attempt collections on this alleged debt. At one time, they mailed to me an old credit card statement that actually showed a {$0.00} balance with no reflection of the amount they are attempting to collect. Additionally, in their written response to my prior complaints, they promised they would perform further research and deliver to me more detailed documentation. I have yet to receive any such paperwork. Meanwhile, in defiance of federal law, Portfolio Recovery continues to regularly update this account on my consumer reports which is causing harm to my credit rating and limiting my ability to obtain new credit. It is a well-known fact of credit collections activity that this is a tactic used to frustrate consumers in an effort to entice them to pay a debt simply to improve their credit rating. I WILL NOT FALL VICTIM TO THIS TACTIC. Plain and simple. 

Finally, not only is this an un-validated debt, their reporting of this debt to my consumer reports is riddled with errors. They report themselves as a traditional " revolving '' account rather than as a " collections account '' as they are supposed to. And there are other errors, as well, which my lawsuit details. Please see attached documentation for evidence of these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm no longer an authorized user or financially responsible since 2009 for XXXX card acct # XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, this statement is being composed by me. 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 consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of these accounts ; XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a XXXX  payment via my mobile app. On XX/XX/XXXX I made a cash deposit between XXXX cst.. However there was a glitch in CapitalOne system that caused my payment that was submitted after XXXX est to be returned bc there system did not apply my cash deposit ... When I was made aware via email I contacted the credit Card company and initiated another payment with an agent around XX/XX/XXXX or XX/XX/XXXX and the payment return again and the funds remained in my checking account. After that CapitalOne closed my account due to 4 return payments which 2 are invalid because its CapitalOne error on the checking account 360 side. I even made a conference call with CapitalOne 360 who I bank with and they even explained to the supervisor who the call was escalated to that the funds were there but they refused to reinstate my credit CapitalOne Credit Card. I feel discriminated on due to my age. If my bank advised you it was a bank error due to them posting my cash deposit immediately why should my credit be impacted because the bank system didnt post my cash deposit. Now my credit score has been droopy as well as my mother who was authorized on my credit card account.
Product: Debt collection

I am not responsible for this account. 
This was opened in my name unknowingly and I need this removed off my credit report.