23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified Experian about 2 state of Michigan open child support accounts were inaccurate reporting as a charge offs but in fact are open. They did not a proper investigation, and said the accounts were verified as accurate. I have proof that these accounts are open and I have made all my payments on time. State of Michigan Account # XXXX. And State of Michigan account # XXXX
Product: Credit card

I disputed a charge for the amount of {$52.00} on XX/XX/year>2024 with Citi bank. It said the dispute would be resolved no later than XX/XX/year>2024. It is still outstanding on XX/XX/scrub>, 2024. I tried to contact the bank several times and they keep asking me to wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started looking into my credit and i see multiple accounts on my credit profile I did not authorize, I believe my information was compromised due to XXXX data breach. I am asking that these accounts be validated and if you find they truly dont belong to me for them to be deleted
Product: Credit card or prepaid card

Demanded the account be closed in XXXX of XXXX. Still hasn't been done. Got dunned XX/XX/XXXX for {$15.00}. YEAH RIGHT! Closed accounts can't generate fees. WILL NEVER PAY. I marvel at Discover Banks inability to perform the simplest functions in the year XXXX. I am certain we will be soon bailing them out. What a bunch of XXXX XXXX.
Product: Mortgage

We have spent 13 years paying our mortgage which was originally from XXXX XXXX XXXX. Despite all the years of paying Ditech the current carrier of the mortgage stretch the mortgage to 40 years and we owe way more than we should be owing. We are confident that the mortgage company manipulated our numbers. It has cost us economic hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and I seen I had some negative item on my account that i feel inaccurate i will like to have a full invesagtion on my report to have old address and job remove from my credit report
Product: Mortgage

On XX/XX/2019, I filed complaint No. XXXX, with this office. After the complaint was filed, Mr. Copper provided some RESPA notices pertaining to the transfer of the loan.We want to be very clear that these notices were not provided by the lender until we filed the complaint with the CFPB. After the complaint, Mr. Cooper provided a mortgage statement to during the bankruptcy stay indicating to pay the amount of {$570.00} for the month of XX/XX/XXXX. Because we are in foreclosure, we contacted Mr. Cooper Bankruptcy department to confirm the amount of the payment. A representative stated that the amount was correct and to make the payment. On XX/XX/2019, Mr. Cooper processed the payment and deducted the same from our account. To our surprise, Mr. Copper lawyer XXXX XXXX filed a motion to schedule a sale date. The judge granted her motion and the court listed the property to be sold on XX/XX/2019. Mr. Cooper has engaged in Florida 's deceptive business practices. Mr Cooper made a verbal agreement with me over the phone to pay the amount indicated on the XX/XX/XXXX statement while taking our payment then placing the property for sale. When we contacted Mr. Copper, they are now changing their story and playing XXXX. The company now claim that they made a mistake by taken the payment and are sending the funds back??? What is this????. It is more then obvious the Mr. Cooper has acted in bad faith and i request that you sanction the company. We are also requesting that they honor our agreement and allow us to continue to make the payments. We are also requesting that they cancelled any future sale dates while we are making payments.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, 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
Product: Debt collection

Your full name : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX  XXXX, Mo XXXX SSN:XXXX  Date of birth:XX/XX/XXXX Date:XX/XX/20 New information request : Dear Creditor, Im not sure why your company is still reporting this inaccurate account to the credit bureaus, but I have a new information request based on the account. 

Creditor : Account : Please show me proof that your reporting is 100 % accurate. I would like to know that my rights are not being violated. Because the reporting of this item is not following the reporting procedures stipulated by the Fair Credit Reporting Act, I request an immediate deletion. 
Please pay attention :
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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 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

I recently graduated from XXXX University with my XXXX. Navient a company which took over my loans from XXXX XXXX contacted me in XXXX of 2015 for repayment for my XXXX loans from XXXX University. As a XXXX I bring home {$2300.00} monthly after taxes. I am currently paying {$200.00} for my federal loans, and was hoping to pay the same amount for my private loans. After reaching out to Navient for the XXXX time, they told me that my only option was a rate reduction plan, that has me paying {$400.00} plus per month. I can not afford this payment. I have totally wiped out my savings from XXXX of 2015 until now. I know My obligations and I am willing to pay every month, however {$400.00} per month is too much. I do n't have enough money to pay all of my bills, or buy groceries once I pay this amount. Is there anyway my payment can be lowered? 
Thanks
Product: Credit reporting or other personal consumer reports

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, XXXX XXXX : XXXX XXXX, XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXXXXXX : # XXXX, XXXXXXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX has violated my rights. 

I looked at my XXXX, XXXX XXXX, and Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update this account completely from my Credit Reports : Account : XXXX XXXX XXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXXXXXX XXXX there was a unauthorized inquiry for said company.
Product: Mortgage

I have been trying to get this fixed along with other issues with this company. One issue is they first said I was pass due on my Loan. This has been fixed they misapplied a payment. Now I am dealing with the Escrow Account for my Property taxes. The Yearly Tax is {$2700.00} paid in two payments of {$1300.00} during the year. They have Twice this amount in Escrow I want a refund of the overage. They say I have to wait until XXXX when they do their audit. Meanwhile they are still taking money out for the escrow. I should not have to wait for them they have over charged me already. I can not talk to them directly they only take correspondence and take 30 days to reply. Under your section 1024.17 this is not right. 

Can you Help me
Product: Credit card or prepaid card

I sent in a payoff amount to capital one /Walmart on XX/XX/XXXX and was told I needed to send a payment of XXXX dollars by XX/XX/XXXX to XXXX  out the balance and they reversed late fees and interest charges on this card on XX/XX/XXXX I had a credit of XXXX dollars on this account. I was told when I paid this account off and they reversed the fees that was all. I then received more interest charges in the same amount that they told me I needed to pay by the XXXX which was XXXX dollars. They claim the interest charges are before XXXX before the account had a XXXX  balance. I spoke with them several times and with different supervisors and they still say that they can charge more interest even after they give you a payoff amount and reverse charges.
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 XXXX XXXX XXXX. 

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

I am currently disputing a negative mark with Equifax for a closed XXXX credit card. the original dispute was over a missed payment in XXXX of 2020. During the investigation process, Equifax corrected the mistake on the payment history but left the comment that first 30 day delinquency was XX/XX/2020. In addition, they then marked my account as having a missed payment in XX/XX/2020! This account was closed in XX/XX/2020. How can I possibly have a missed payment 5 months after an account is closed? .. How can you mark me as having a 30 day late payment on a closed account???!! and it clearly show in the payment history calendar there was no missed payment in XXXX yet the date of first delinquency is still listed as XXXX? do they even inspect what they are putting on someone credit for accuracy?? Stop marking payments as missed for the month an investigation is being conducted. every time i dispute a mistake, it is made worse by the investigation process.
Product: Credit card or prepaid card

On XX/XX/2023, I paid my Self credit card bill. On XX/XX/2023, my card was locked and I received an email stating During a routine review of your Self account we have determined that well need some further documentation from you in order to complete that review. Self required for me to send in a copy of my ID, social and bank statement in which I provided those things to them. On XX/XX/2023 I received another email stating After carefully reviewing your customer profile, we have decided to cancel your XXXX XXXX Account with XXXXXXXX XXXX XXXXXXXX I called self over 6 times during this process. No one could provide me with additional information. On XX/XX/2023, I received an email stating my credit card account was closed and Any remaining security deposit funds will be returned to your XXXX XXXX  Account if possible. If your XXXX XXXX Account is closed, or we are unable to move the fund to your XXXX XXXX Account, any remaining funds will be returned using the payout preference we have on file in approximately 14 calendar days. I called Self again to try to understand whats going on. No one can tell me anything or let me speak to a supervisor. On XX/XX/2023. I received a {$31.00} payment from the closure of my self builder account, however, I still have not received my {$520.00} payment from my credit card account. I was informed that they will release funds after their investigation in which I havent had any updates or information about.! Ive called over 10 times and have been left with the same response. On XX/XX/2023 I received an email stating Thank you for reaching out. Your payout status is still currently under review. While, we can not disclose timeframes of our internal review processes, you will receive email notification once any available funds are released upon conclusion of our review. Its been over a month and they wont release my money. This is a secured credit card. The account was opened using money that was provided by me.! Therefore, once the account closes, funds should have been returned to me.! Ive had this account for over 3 years. 

It is now XX/XX/XXXX almost 3 months after the date and I have yet to hear anything and I have not received my money back.
Product: Credit card

I opened my account in 2010 and was offered a XXXX after several purchases and several payments made I began to notice discrepancies. I contacted Wells Fargo and requested an audit of my account as well as billing statements and a record of all payments. Wells Fargo failed to provide the information requested and continued to add charges without my consent or knowledge. I made several attempts to resolve this problem with all levels of management at the branch level to the corporate level with no resolve.
Product: Checking or savings account

I getting charged hidden fees. They are not shown on my statements or online
Product: Mortgage

Was promised by Wells Fargo that I qualified for 10.1 % downpayment on jumbo loan. In fact, I received a pre-approval stating as much. I shopped around at other banks and those required a 15 % downpayment, so I chose Wells Fargo. About one week after the offer had been accepted, WF stated that the downpayment would need to be 20 %. Needless to say, on a sales price of {$900000.00}, this made a huge difference and because of the post-cash liquidity requirements we were forced to make withdrawals from our IRA in order to keep the deal. In the ultra competitive real estate market in XXXX, I could not stop the accelerated close process and switch to another bank. WF could never give me a good reason why I no longer qualified for the 10.1 % downpayment, but blamed it on the underwriters. I heard of the exact same situation happening to an acquaintance of mine in Indiana. I believe WF knew we had the retirement assets at our disposal and changed the downpayment after we selected them. I also believe this is a typical practice by WF and is typical of their shady practices when promising XXXX thing and delivering another.
Product: Credit reporting or other personal consumer reports

I sent a letter out to the 3 credit reporting agencies XXXX, XXXX, and Equifax on XX/XX/XXXX requesting they stop reporting certain information. To date the accounts are still reporting and I have not heard back from XXXX XXXX. I want this matter resolved asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear POSSIBLEFINA I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 .

It has unequivocally come to my attention thatPOSSIBLEFINA has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 
I assert with unwavering certainty that I have not provided consent for POSSIBLEFINA to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that POSSIBLEFINA immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 
I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 
I anticipate your immediate attention to this matter and expect that POSSIBLEFINA will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Doneingoodfaith.
Product: Debt collection

I had a debt on my credit report from XXXX XXXXXXXX XXXX in XX/XX/XXXX. I disputed the validity of this debt and the reporting company removed it from all 3 bureaus. As of XX/XX/XXXX this debt has re-appeared, this time being reported by GC Services. I have initiated debt validation with them as of XX/XX/XXXX. The biggest issue of this at this moment is the re-aging of this debt. it was originally reported as XX/XX/XXXX and is now being reported as XXXX XXXX. This is a complete violation of 15 U.S. Code & 1681s-2 responsibilities of furnishers to report ACCURATE information. This is completely inaccurate and this collection agency should be reprimanded for their deceitful collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened fraudulently and after extensive investigations and mitigation between my attorney and XXXX  XXXX XXXX the account was closed due to the nature of the account being fraud.