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

I am writing to notify you that I am a victim of identity theft due to a recent data breach. As a result, I have identified fraudulent accounts and inquiries that have appeared on my credit report without my authorization. 
Pursuant to XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ), I request that you block and delete the following accounts and inquiries from my credit file immediately : Fraudulent Accounts 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the late payment remarks because there should be no late there as I always paid on time. Please update this to paid as agreed and no late payments!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. ( XXXX XXXX XXXX )
Product: Mortgage

I had provided a lender, Norcom Mortgage, with our personal information/data to obtain pre-approval on a mortgage. XXXX of their loan officers attempted to e-mail myself and my husband a copy of our credit report, however, she sent it to a wrong e-mail address instead of my husband 's correct address. Our privacy has been violated in accordance with their privacy policy as our personal data and private information in violation of our consumer privacy as our complete Social Security Numbers and Date of Births are both out there somewhere. The loan officers negligence has caused a privacy breach for us and we are now at an increased risk for identity theft. I contacted their CEO on the same date and he has not responded to me. This is a severe violation of our privacy and we are asking them for a resolution to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived in an apartment with my significant other and child over 2 years ago. We moved out and was charged for carpet removal after other tenants had hardwood flooring already in their units. We were charged for the next person to have wood flooring. We never paid this due to feeling not being responsible for clean carpet because we got a carpet cleaning before move out. I have tried to get this collections account taken off of my Transunion credit report several times throughout XXXX. This year, I called the collections agency UCC on XX/XX/22 to ask about where the debt came from and they would hardly give me any information. I reached out to my former landlord last week on XX/XX/22 and they stated they no longer have control of the debt that the collections agency now has. Told me to call the agency and ask for them to remove the debt. I have never been to the agency or agreed to owing them debt. Also i was told my dispute complaints/results were accurate and that they still would not remove the collections off. I have disputed this over the phone and several times over XXXX XXXX. Today XX/XX/22 was the last day i disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote to Regions Bank, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. Regions Bank continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. Regions Bank, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. Regions Bank has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that Regions Bank violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is Regions Bank above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which Regions Bank is seemingly willfully noncomplying. Furthermore, Regions Bank continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to Regions Bank, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, Regions Bank continues to falsely verify as accurate. This has to stop at once!
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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.
Product: Debt collection

I am just a lonely consumer trying to make through this COVID-19 pandemic. I have spoken to the a representative at the FTC. They told me that The Bureaus Inc who is trying to collect a debt on the behalf or XXXX XXXX  is abusing there power. 
This why this month the FTC, State, and Federal Law Enforcement Partners Annouced a Nationwide Crackdown on Abusives Debt Collection Companies.

So, I sent out a ceritified letter to The Bureaus on XX/XX/2020 and they signed for it on XX/XX/2020 ( I have attached the letter and certified return signature receipt ). Yes, they reply attaching a binde

r of 80 pages but they have not provide me with all of the following : This letter is sent because of what is on my recent credit report. Be advised that this is not a refusal to pay, but a notice sentpursuant to  the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to theabove named Title and Section. I respectfully request that your offices provid
e me with " VALIDATION '' competent evidencebearing my signature that I have any legal obligation to pay you.

Please provide me with the following : 1 ) What the money you say I owe is for ; 2 ) Explain and show me how you calculated what you sa
y I owe ; 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; competent evidence bearing mysignature 4 ) Provide a verification or copy of any judgment if applicable ; 5 ) Identify the original creditor ; 6 ) Prove the Statute of Limitations has not expired on this account 7 ) Show me that you are licensed to collect in my state 8 ) Provide me with your license numbers and Registered Agent The FTC said that most of these collection companies or not even listed to collect in my state and don't have license number or registered agent. They are broking the law if all these items are not answered.

They don't also don't have the right amount according to the last credit  report on XX/XX/2020 they are still in non-complaint according to the FD

CPA ,15 USC 1692g Sec.809 ( b ). The CRA are broking the law also by letting the The Bureaus report this on my credit report according to FCRA, Section 609 ( a ) ( 1 ), they are required by federal law to vertify-through the physical verification o the original signed consumer contract any and all accounts post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. So, I am not only asking for validation of my signature but does your company have any right to collect in my state if so proved proof and the license numbers and Registed Agent. All those questions have to answered or please have all the CRA you are reporting this delete this accou
nt.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to DEPT OF ED/XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative.
Product: Credit card

A fraudulent credit account, XXXX XXXX XXXXXXXX, was opened in my name by Wells Fargo rep ( s ) in XXXXXXXX XXXX XXXX. Previously, I've never heard of or done business with this company. A XXXX search shows this company is located in XXXX, GA, I am nowhere near this location, living in Connecticut. Further, I have not received anything from this company, despite billed XXXX. Due to this account opening, I have been denied credit, my credit score impacted. When brought to attention of Wells Fargo, they replied in part by sending mediation request forms, which are filled out, sent in, marked as duplicate and refer to prior mediation regarding unauthorized deposit accounts ... .With regard to that mediation including tracking ID XXXX, I was offered a payment in amount of {$3.00}, XXXX plus estimated IRS taxes totalling {$5.00}, XXXX. Payment was never received, sent to an old address after I moved. It appears a third party intercepted check, cashed it in my name. Wells Fargo investigated matter, unable to recover funds, refused to reissue check despite their own error in sending to incorrect address. I requested proof of address verification, was provided with a document showing my signature agreeing to accept a payment in amount of {$500.00} from a XXXX XXXX, nothing to do with previously mentioned payment in amount of {$5100.00}. Wells Fargo continues to send mediation request forms, a total of nine or more have been filled out, an acknowledgement letter is received with tracking number, when I call number on letter, I am told all efforts exhausted, call disconnected. Needless to say these forms are a mere runaround, when exposed as such, Wells Fargo marks complaint as duplicate. There is mention of mediation payments including amounts of {$17.00}, {$50.00}, {$400.00}, none of which received, do not cover losses/damages by accounts mentioned above. In closing, Wells Fsrgo has been fined by CFPB for handling of accounts mentioned here, the amount of XXXX XXXX, has little to no credibility
Product: Mortgage

In XX/XX/2022, my mortgage was paid a head, due for XX/XX/2022. My monthly mortgage payment is {$1200.00} of which {$320.00} is escrowed for my homeowners insurance and property taxes. All payments are sent electronically as a bill pays from my bank to PHH mortgage. On XX/XX/2022, I electronically sent a mortgage payment for {$1500.00} and a second principal only payment in the amount of {$7500.00}. 

I was paid a head so after the {$1500.00} was posted I was due for XX/XX/2022 payment BUT PHH took the liberty of taking {$1200.00} and posted as a payment so I was due for XX/XX/2022. When I called they said it could take 7-10 days to correct their posting error. Finally on the tenth day I call and there was no record supposedly of my call requesting thats the reverse the XXXX payment and apply to principal only. This was on XXXX XXXX when I was told it could take another 7-10 days. I dont have a lot of money but gathered enough to pay my balance according to their records of {$6500.00}. 
On XXXX XXXX my additional {$1200.00} was posted. On XXXX XXXX I sent {$7000.00} and refused to pay them {$30.00} to get a payoff figure. Today, XX/XX/2022 they received {$7000.00} and placed all of the funds in a Suspense Account. Please help me with this company they accept funds and then post the money where they want to and not by the borrower/customer request. 

THank you XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

*In accordance with the Fair Credit Reporting act XXXX XXXX MARYLAND XXXX, has violated my rights. 

*In accordance with the Fair Credit Reporting act XXXX XXXX MARYLAND XXXX, has violated my rights. 

*In accordance with the Fair Credit Reporting act XXXX XXXX MARYLAND XXXX, has violated my rights. 

*In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

*In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

*In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

*In accordance with the Fair Credit Reporting act Inquiry XXXX XXXX XXXX has violated my rights. 

*In accordance with the Fair Credit Reporting act Inquiry XXXX XXXX XXXX has violated my rights. 

*In accordance with the Fair Credit Reporting act Inquiry XXXX, has violated my rights. 

*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.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill full legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit reporting, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial 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 experience, where Experian has neither corrected nor removed disputed items dispute 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 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting

I have submitted this case before. This is what TransUnion responded : Trans Union said : Explanation of closure The Fair Credit Reporting Act allows chapter XXXX bankruptcies to be reported for 10 years from the date of filing. Under the guidelines of the Fair Credit Reporting Act, we will not reinvestigate the item unless you can provide new information such as court papers that explains what information should be updated. You may add a Consumer Statement of XXXX words or less to your credit report or contact the court directly. Contact information for each creditor is provided on your credit report for review. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. Please visit XXXX for frequently asked questions about your credit report. 

Response We have reviewed your complaint along with the information you previously provided regarding this issue. On XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX California Federal Court was notified of your disputes. In response to the investigations, the disputed information was verified or updated accordingly and the results were forwarded to you for review. Currently, California Federal Court chapter XXXX bankruptcy # XXXX reflects a dated filed of XXXX XXXX, XXXX and an estimated date of deletion of XXXX XXXX. TransUnion reviews and considers all relevant information you provide, and we either will make changes to our report based on the information you provide, or we will investigate your dispute by contacting the source of the information. For public record information, TransUnion or a third-party we hire will check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. Once the verification responses are received, they are reviewed and the disputed information is updated accordingly. Changes made to your credit report are reflected on the investigation results that are sent to you at the conclusion of our investigation. If you have any questions regarding the results of the investigation, please contact the court directly. Please also note that the documentation submitted from XXXX does not address your dispute and can not be used to update your TransUnion credit report. 

I went to the Bankruptcy Court On Line Site, " Pacer '', and entered all the details several times under my Social and It Came up as, " No Records Found '', so in fact it does not exist in any court records. As I stated before they refuse to verify this listing as it has been taken down and was listed in error. Please see the attached document that is from the XXXX, Online Court Site.
Product: Student loan

I have been trying to arrange an income based repayment plan with Navient since XXXX 2017 and I 've tried to follow their instructions, submitting my application, proof of income, self certification letter, and other documents explaining my income status, each time completing the submission process and receiving confirmation that everything succeeded only to start receiving emails stating that I have a payment due that is not what was agreed upon and when I contact customer service, in every single case, they tell me that they have never received my application and have no documents from me. 

When I have requested that my situation be escalated to a higher level, I am told that there is no such process for escalating a complaint nor the possibility of any kind of supervisory appeal to assist in resolving whatever is happening. I have been charged late fees which have been added to the principle of the loan as a result of this chaos. When I attempted to simply just start sending in payments, I was informed that the payments I made were simply going to pay for the late fee penalties and would not be considered payments on the student loan, forcing me to cancel the payments. 

I feel like the pattern of operations Navient has been demonstrating is exploiting people who are in positions of financial hardship and designed to confuse, frustrate and pressure borrowers into agreeing to repayment terms that are beyond their ability to pay and a system where penalty fees can be added to the loan principles.
Product: Mortgage

On XX/XX/2019, our PMI reached the 78 % mark however when I inquired that the PMI should be removed from our payments, Quickenloans continued to state that we had to continue paying into the PMI until XX/XX/2019. After receiving this reply back from the mortgage company, I advised them that according to the Homeowners Protection Act of 1998 it was required that the mortgage company to remove PMI when it reached 78 % however they continued and still continue to state that the PMI will only be removed on XX/XX/2019 and then they have stated that the PMI would actually be removed a month after the XX/XX/XXXX date. After once again sending them information about the Act of 1998, Quickenloans refuses to remove the PMI from our mortgage.