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

I REQUEST THAT YOU INVESTIGATE THIS MATTER IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ). I FURTHER REQUEST THAT YOU REMOVE THE INACCURATE COLLECTION LISTING FROM MY CREDIT REPORT WITHIN XXXX  DAYS OF. THIS LETTER. PLEASE INFORM ME IN WRITING OF THE RESULTS OF YOUR INVESTIGATION AGAIN, I WILL NOT ACCEPT A GENERIC RESPONSE STATING THE ACCOUNT HAS BEEN VERIFIED. I REQUIRE CONCRETE PROOF THAT THIS ACCOUNT BELONGS TO ME BEFORE IT REMAINS ON MY CREDIT REPORT.
Product: Mortgage

Newrez LLC XXXX XXXX XXXX  XXXX says that my property is in default of foreclosure. The company only sent out literature no billing statements. Now they sent a packet of papers to fill out. As of XX/XX/year> that was my first contact via e-mail. Now on XX/XX/year> they saying I owe {$2500.00} on the mortgage which was 30XXXX  years old.
Product: Credit reporting or other personal consumer reports

There are several concerns I have with XXXX, XXXX and Equifax. 

There is an account from XX/XX/2014- XXXX XXXX XXXX XXXXXXXX - that has been there since XX/XX/2014. I've requested for this information to be deleted withing the law, and none have ever removed anything.

How can this continue to occur?
Product: Credit card

I am writing to file a complaint against Navy Federal Credit Union regarding multiple late fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
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 Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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: Credit reporting or other personal consumer reports

Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) dates include in attachment.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Finacial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax this dispute/ complaint is directed to both of you mainly XXXX XXXX You are the one that run to these courthouse snooping around to see what you can find to report on people. The reason I know this because each reporting agencies XXXX XXXX, Equifax tells me so. Because each one states that you claim you verified the dispute. It is listed on each of the reporting agencies! Since you are running back claiming you verified the inaccuracies and violations of the FCRA. I have a few question and request 1 ) review Equifax credit report that is attached to this dispute could you please tell me why was the public record XXXX deleted from the credit file? I have asked Equifax 22 time as to why! All they can tell me is that XXXX verified alright since you verified Im asking you why did the United States bankruptcy court of Minnesota asked to re-insert the public record back to Equifax credit report?? They would have been the only one that had the public record re-inserted! Due to the fact that is where the bankruptcy was filed! So since Equifax tells me you verified the information in question. Since you verified and Equifax tells me that you did. I Exercise my rights under FCRA 609a ( 2 ) to request and for you to tell me and provide me with the following information Why was this public record Re-inserted back to the credit file?

Who told you to add this back to the credit report I need the name of whom you spoke with name phone number! On there company letter head! 

XXXX is an electronic public access service for United States federal court documents. It allows users to obtain case and docket information from the data base but XXXX  wouldnt not and Is not equipped with removing and adding bankruptcies to a consumer credit file so we know XXXX didnt have anything to do with added or removing anything from Equifax credit file! Again if you try to even come back trying to say XXXX did this I again exercise my right under FCRA 609A ( 2 ) for you to provide me information from XXXX  and the name and phone number of a representative from XXXX that states that XXXX does remove and add public records to a consumer credit report! XXXX you are the data furnisher again you have people running in and out of courthouses viewing XXXX  system which is third-party vendor like yourself. And nobody but your Organization re-added the public record back to the report! 
2. You failed to notify me within 5 business day of the Reinsertion which puts you in violation of the FCRA i asked that you remove the public record that indicated it was delete it and re-add it nobody did it but you! 
All Equifax can tell me is XXXX verified my dispute as to why was it re-added now Im asking you for factual proof as what and how did you verify it! The Equifax report is uploaded which shows that you verified it!!!! I will be waiting your response! And I thank you!! 

XXXX
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 : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX. XXXX, XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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: Debt collection

THESE 4 COLLECTION ACCOUNTS WERE WITH ANOTHER COLLECTION COMPANIES AND THEY DELETED DUE TO HIPPA VIOLATION AND NOW IT'S SOLD TO XXXX XXXX XXXX XXXX Charge-off {$490.00} XXXX XXXX XXXX XXXX Charge-off {$120.00} XXXX XXXX XXXX XXXX Charge-off {$100.00} XXXX XXXX XXXX XXXX Charge-off {$590.00} Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Credit reporting or other personal consumer reports

I do recognize this account that reporting on my report The collection agency has engaged in false and misleading practices violating FDCPA 807 and providing misleading Forms violating FDCPA 812. Im requesting the CHAIN OF CUSTODY of this debt, LICENSE TO COLLECT DEBT IN NEW JERSEY and asking for PURCHASES AGREEMENT. If XXXX XXXX XXXX Can not provide anything Im asking for delete these collections account off my report IMMEDIATELY.
Product: Credit reporting

There is no such judgment of record # xxxx from this Court for this date for this amount from this creditor. 
I have certified documentation from the Court that supports my dispute of this erroneous entry on my report. 
If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices. XXXX Section 1031 of the Dodd-Frank Act XXXX There are XXXX judgements reporting that are not recorded judgements with the courthouse. This is ruining my credit. The courthouse also confirmed that they do n't report to the credit bureaus so there 's no way the bureau could verify with them PLUS it 's not even recorded so there 's nothing to verify.
Product: Student loan

When I restarted school this semester, I submitted an in school deferment. I started receiving emails after the loan was 30 days late. I again submitted a deferment as instructed by their form. My loan is currently showing as over 60 days late as my deferment has not been processed still. I have a history of being unable to reach anyone at Navient because of excessive hold times when placing calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently a operating member of a LLC listed as personal guarantor for a XXXX  XXXX XXXX auto loan. The loan is listed as a personal joint loan on my personal credit file. I contacted XXXX twice and they tell me that everything appears to be in order with my loan and that I must dispute with the credit agencies. The credit agencies ( all 3 ) tell me the listing on my report is correct and that I need to work with XXXX to rectify. I am not sure who should own this but its affecting my personal credit standing due to this auto loan.
Product: Mortgage

Our mortgage company has reported us as being behind in our payments. They refuse to speak with us regarding the situation. We asked for a listing of all our payments to them since XXXX. We received the listing and found no payments have been missed. We even had a payment of {$500.00} on XXXX/XXXX/XXXX which was a payment with additional specified to go toward principal. They initially did not apply our payment. We called them to ask where our XXXX was as it was drafted from our bank. They said because it was a balloon payment that we could not make early or extra payments on principal. My husband convinced them to apply it to our account. Now, they have reported to the credit bureaus that we have missed payments again. They have ruined our credit and we are not able to get a loan anywhere else to refinance with anyone else. We had refinanced with our primary mortgage company and paid them a subordination fee of {$200.00} which I see has been charge to and paid by us TWICE!!!! They, Citimortgage refuse to speak with us or resolve this issue. We are prepared to take legal action. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is ridiculous! Can someone please help me, I am being taken advantage of! My consumer rights are being violated! I noticed some inaccurate/fraudulent items that are reporting to my credit file. I have notified the credit bureaus and have sent them dispute letters over 90 days ago. I have yet to get a response to resolve my problem. I know that the items must be investigated within 30 days of them receiving my dispute letters according to the Fair Credit Reporting Act. I need the disputed items deleted from my credit file immediately. The credit bureaus are also using stall tactics to not respond to me, giving me responses like " they need authorization from me to proceed ''. I have attached my drivers license and a utility bill to verify my identity, can you please see that they delete all accounts that are disputed immediately please.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX  company has been reporting inaccurate data for a year. I have disputed the current balance and the original loan amount with each agency, once a month for 365 days. Each time the Loan servicer confirms the incorrect data. They are not reflecting the loan modification amount at all and do not reflect the modified amount online or in any statements. I have entered formal complaints as well as disputes with them with no response. I am eager to find an attorney to formally advise that they are damaging me financially. I make an average of 3-4 calls to the loan servicing company and 5 calls to  agencies monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to TransUnion, XXXX and XXXX. I got a response stating that this item was verified. I submitted another dispute letter stating the reasons why this account should not be reported on my credit report and to remove it immediately. I received a deletion for this account on XX/XX/XXXX. This account was permanently deleted off of my credit report. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, XXXX XXXX XXXX from my credit report immediately.
Product: Credit card or prepaid card

This is more of a regulatory question than complaint per se. 

I have a Costco CITI Bank card credit card that I typically pay the balance off on a monthly basis and my payments are usually a week or more before the credit card due date. 

I manage my credit card through their online website and rely on their online statements and credit card homepage for all of my account information. 

On all of my other credit cards their website home pages show the Credit Card Payment due date and the minimum balance due. However the Costco CITI Back card website home page does not have this information on their website homepage. To find this information one must navigate to their payment web page. 

As I check my my credit cards on a regular basis I missed seeing this information on the CITI card site and ended up missing the due date. I did make full payment the next day ( One day Late ) and paid late fees and interest charges. I take full responsibility for making the late payment. 

My comment/ question is whether credit card companies are required by regulations to post this information on the home page for their website? I feel that by hiding the due date they are counting on individuals missing their payments and then collecting late fees and penaltys. 

Your feedback on this issue is greatly appreciated.
Product: Credit card or prepaid card

Macys did not follow my address forwarding request with the post office. Every other creditor did. Thus, I never received the Macys XX/XX/2022 bill. Macys marked my credit report 30 days late for XX/XX/2022. Because I never received the {$29.00} Macys bill, I did not know I owed any money. However, I received my other 75 monthly bills for my XXXX small businesses and all my personal bills at the new address. It was no problem for all my other creditors to send a bill to my new address. Macys never sent me a bill. Macys never called me. After learning of this credit mark at my abruptly stopped XXXXXXXX XXXX XXXX XXXX closing, I paid the small due amount and closed the Macys card forever. I still havent been able to close on my mortgage because of this. 

Next, I Contacted the President of Macys, XXXX XXXX who responded to me, but did not correct the problem. He asked his assistant to contact me, XXXX XXXX, but she never returned any of my 10 communications of combined emails and voicemails. Additionally, she just decided left the 30 day late on my credit report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

The company put a collection account on my credit without providing me any information that i requested i asked for a contract between me and them and they didn't provide it
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX, I must have an at least 6 months of good standing with a credit provider ( credit card ) and one open account in order to generate a credit score. I've had a XXXX XXXX open and in good standing for over 30 years -- since 1991. I have had credit scores above XXXX in the past and have always paid my bills on time. In XXXX I applied for a new mortgage and was denied twice due to the lack of a credit score. This shocked me, so I looked into it and was bounced around between XXXX, XXXX, and MyXXXX  with none of them providing a good excuse as to why I don't have a score. They speculate that its because I don't have more than one open account, but that is only speculation and not the criteria. They speculate that it is because I haven't carried a balance on my account for 6 month, but this too is speculation because carrying a balance is not a requirement..just having an open account in good standing for six months is the requirement. My lack of a credit score is having SEVERE financial impacts on the life of my family due to being unable to refinance our house at the current low rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am writing to dispute an error in my credit report which is harming my credit score. According to my credit report, I have an Apple by Goldman Sachs credit card account that is currently open. However, this account was closed in XXXX of XXXX and I have proof of the closure provided to me by XXXX. 

This inaccurate reporting is in violation of my consumer rights, as outlined by the Fair Credit Reporting Act ( FCRA ) and other relevant laws and codes. Under the FCRA, consumers have the right to dispute any inaccurate information on their credit reports and have it corrected in a timely manner. 

Specifically, the FCRA states that credit reporting agencies must provide accurate and complete information to creditors and other entities that use credit reports to make decisions about consumers. This includes ensuring that all reported information is up-to-date and reflective of the consumer 's current credit status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC 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 and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$970.00} XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX XXXX Balance {$6300.00} XXXX XXXX Balance {$3300.00} XXXX XXXX XXXX  XXXX XXXX {$850.00} BXXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have only applied for 2 loans in 2 years and there are several inquiries on my report that I did not do. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Please verify or remove these fraudulent inquiries