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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX  Balance - XXXX XXXX XXXX XXXX XXXX Balance {$5200.00} XXXX XXXX XXXX XXXX XXXX Balance {$500.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX  Inquired XXXX XX/XX/2022 ; XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX 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
Product: Prepaid card

I received an Amex gift card in XXXX. Since than I cant use it anywhere. I called to customer service in XXXX and XXXX and they said what I needed to do but I did everything already and still not working.
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 XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Beginning in XX/XX/XXXX my Phillips 66/Synchrony gas credit card had several unauthorized charges. I notified the bank on XX/XX/XXXX. Since that time I've been informed 12 times in writing and over the phone that the card has been cancelled and the account closed. But the unauthorized charges have continued through XX/XX/XXXX. I have opened claims for unauthorized activity 5 times. The first 2 were approved and the charges reversed. The last 3 times I've been informed that the charges aren't fraud because they are pending and are not billed to my account. But they have been billed to my account. I am now receiving e-mails saying i owe over {$14000.00} on a credit card with an $ XXXX. limit. They are also threatening to add penalties if I don't pay. All the charges are unauthorized. Why has Synchrony allowed the fraud to go over their limit and continue for so long?
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting multiple tradelines with inaccurate information. I was unemployed in XX/XX/2014 and my Navient and USDOE loans were deferred as I was collecting unemployment from XXXX at this time. These lates should be removed from my credit report. 


I was NEVER late XXXX XXXX or XXXX. These lates are inaccurate and should be removed. 

XXXX is being inaccurately doubly reported as 2 seperate tradelines. 

I have been locked out of the online dispute center and transunion refuses to open it for when when I called.
Product: Mortgage

Ive been awarded 18 months free of mortgage from XXXX XXXX Department XXXX XXXX and I was told my XXXX mortgage was sent but flagstar has told me the payment was never sent it is now XXXX and still no payment for XXXX!!!
Product: Credit reporting

Credit indebtedness had been satisfied and yet the credit card companies are reluctant to remove or change the status of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry on my credit report from Lendmark on XX/XX/XXXX that I do not recognize. I contacted Lendmark on XX/XX/XXXX to find out why I have this credit inquiry on my credit report and they did not respond. 

They have not provided me with any documentation or proof showing that I allowed them to inquire about my credit. This credit inquiry needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : The reason for my dispute is the following 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 I am unable to locate documentation that they complied with these requirements, which is a violation of the FCRA & FDCPA 609,623,611, Section 807 ( 11 ) & FDCPA 809. Under Sec. 809,  they failed to send me my initial communication before placing these alleged items on my credit reports ; further violating the FCRA, these above-mentioned companies are held liable as well for defamation and in the state of OHIO. I fail to see where any of these companies are in compliance with OHIO LAW. I also have reported these accounts to the FTC and XXXX Police Dept. I  need these miscellaneous accounts to be removed from my credit report.
Product: Mortgage

During the process of qualifying for a FHA loan the mortgage company had me sign 3 disclosures. Each one had an increase and I did not authorize the increase nor the amount of the closing cost that continually went up. Our closing date was changed 3 times. This whole process cost us additional money and stress. We almost didn't close on our dream home due to the confusing and excessive applications. We were put in very uncomfortable situation financially and emotionally. I was instructed to file a complaint due to the volume of misguided events leading up to the closing. Someone please respond to my complaint. Please. We feel that this was not handled properly and we didn't receive any first time home buyer assistance as promised we qualified for. I can only upload one closing disclosure because of the size. We have a total of 3 closing disclosures with different amounts and financing rate.
Product: Credit card

My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months I was reported late to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

Re : Discrepancies in Bankruptcy Reporting on Credit Reports XXXX Reference Number : XXXX TransUnion Reference Number : XXXX Dear CFPB, I am writing to formally request assistance regarding discrepancies in the reporting of bankruptcy on my credit reports, which is affecting my credit profile. The alleged bankruptcy was filed on XX/XX/XXXX, in the U.S. Bankruptcy Court - Sherman and U.S. Bankruptcy Court - Eastern Division but this is reported differently by XXXX and TransUnion. 

Discrepancies : XXXX Report : Reports the bankruptcy as being filed in the XXXX XXXX XXXX XXXX XXXX 

TransUnion Report : Lists the bankruptcy under XXXX XXXX XXXX XXXX. 

Relevant Details : Bankruptcy Case Number : XXXX Bankruptcy Type : Chapter 7 Discharge Date : XX/XX/XXXX Request for Validation : Despite my requests for documentation and validation from both XXXX and TransUnion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have not received any documentation to substantiate the accuracy of this bankruptcy reporting. Additionally, XXXX updated their files and my credit report and is NOT reporting this same bankruptcy as they couldn't provide validation for this bankruptcy. This discrepancy between the two credit bureaus raises concerns about the accuracy and completeness of the information being reported.

Legal Basis : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i, consumers have the right to dispute and request validation of information reported on their credit reports. The FCRA requires that credit reporting agencies investigate disputes and provide accurate information. Inaccuracies or inconsistencies in reporting violate the FCRAs requirement for accurate credit reporting.

Accuracy Requirement : According to 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure that the information they report is accurate and complete. The discrepancy in the reported bankruptcy filing locations suggests a potential violation of this requirement.

Right to Documentation : 15 U.S.C. 1681g grants consumers the right to obtain and review their credit reports and any documentation related to disputed items. My request for documentation from both Equifax and TransUnion has been unfulfilled, which hinders my ability to verify the accuracy of the bankruptcy information.

Action Requested : I respectfully request that the CFPB intervene to ensure that Equifax and TransUnion : a. Provide accurate and consistent documentation regarding the bankruptcy case being reported from 2 separate locations. report.

b. Correct any inaccuracies or inconsistencies in the reporting of this bankruptcy immediately.

c. Update or rectify any erroneous information to reflect the correct court and case details immediately.

Thank you for your attention to this matter. I appreciate your assistance in resolving this discrepancy and ensuring the accuracy of my credit report. 

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

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i despite sending them, a letter, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : XXXX Asset Amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ear furnisher of information to credit agencies, I am writing to request that you delete the negative accounts and remarks about me that you have furnished to the consumer reporting agencies, XXXX and XXXX. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a, it is important that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for my right to privacy. As the consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801 which states that each financial institution has an obligation to protect the security and confidentiality of customers ' nonpublic personal information.

As a furnisher of information to credit agencies, you are a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not given my consent to XXXX, XXXX, or your institution to furnish this information, in any form - verbal, non-verbal, written, implied or otherwise. Therefore, any and all consent to XXXX, XXXX, and your institution is revoked. 

Additionally, 15 USC 6802 ( b ) ( c ) prohibits a financial institution from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. However, your institution never informed me of my right to exercise my nondisclosure option.

Your institution is also violating the law by reporting adverse information about me without my permission. 15 USC 1681C ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes that antedate the report by more than seven years.

Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) A states that 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. Your institution must ensure the accuracy of any information you report about me.

Lastly, according to 12 CFR 1016.7, I have the right to opt out of your reporting at any time. Therefore, I am exercising my right to opt out of your reporting. 

Please confirm in writing that you have deleted the negative accounts and remarks about me from both XXXX and XXXX 's records. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient 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 Credit Union 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: Student loan

Im looking at my Credit Reports and XXXX and Navient are asking for payment along with charging interest during this Pandemic
Product: Mortgage

I started working with Ocwen to help the seller XXXX XXXX XXXX XXXX XXXX XXXX loan number XXXX, I submitted the complete package with offer on XXXX/XXXX/16 ( including XXXX short sale package ) Ocwen asked for a estimated closing statement XXXX different times with XXXX different changes to it, after which they responded back stating they wanted a bigger offer, in the amount of XXXX I asked the buyer if he would consider rising his offer, he did to XXXX due the fact that 's what the appraisal came in at, and as contractors bid of XXXX for repairs, the appraisal and contractors bid was submitted to Ocwen they said they did n't have enough time to review the documents sent to them, and was going to sale the property, The property is not worth what Ocwen is asking, as the appraisal states, that 's not including the amount of repairs that need to be done to the property in order to get it back in shape, nothing has been done to the property for years, and you can tell when you walk into the property. 

Ocwen has feet dragging their feet on this, each time they changed the estimated closing took them XXXX to 15 days to get back with me, and we have jumped though all the loops they wanted without any corporation from Ocwen. I would like to know if there is anything you can do to help us with this. 
I had to have legal stop, stop the sale so I would be able to wait for ocwen to reply to the paperwork that I submitted to them. I do n't know what else to do, I am trying to keep a foreclosure off our clients record, and Ocwen Dose n't seem to want to work with us, I do n't know why we have done everything they asked us to do and more, We have another sale date of XXXX XXXX 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card balance is {$0.00}, however on all credit bureaus it shows a balance of {$160.00}. Card balance was paid on XX/XX/22 which resulted in {$0.00} balance.
Product: Prepaid card

I bought four ( 4 ) {$500.00} Vanilla gift cards. After reading the terms and conditions, I called to request that the cards be closed and a refund mailed to me. I was told to email the requested information and reference case XXXX. I emailed that information XX/XX/year>, and received a confirmation email that my request had been received. After not receiving a refund check, I called again around XX/XX/year>, and was again told to email the information, which I did on XX/XX/year>. The process repeated again, with me calling and then emailing on XX/XX/year>. I called Vanilla four times since sending that email on XX/XX/XXXX, and was told each time that I would need to wait 48 to 72 hours for an update. I was told that same information each time I called, despite waiting more than 72 hours between each call. I called again today, XX/XX/XXXX, and was told the same thing. No one is able to provide any information other than the fact that my request has been received and that I need to wait 48 to 72 hours. Vanilla is holding my {$2000.00} hostage, despite the fact that I have requested a refund which is fully supported by their written terms & conditions, which states : IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT ACTIVATE OR USE THE CARD. SAVE YOUR RECEIPT AND CALL XXXX TO CANCEL THE CARD AND TO REQUEST A REFUND.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I have found that there are unauthorized inquiries that appear on my credit report that I never applied for.
Product: Checking or savings account

CitiBank has been negligent in refunding money that was fraudulent taken from my account. Allowing my account to be hacked was their responsibility. 
Money lost : XX/XX/2021 - criminal used my account to pay his credit card bill {$2600.00} XX/XX/2021- wrote a fraudulent check from my account {$3000.00}
Product: Mortgage

Seterus Inc. using deceitful tactics to get an extra payment on my mortgage. 
I am trying to sell my house. The title company sent a document for me to sign requesting Seterus company ( XXXX mortgage ) and XXXX ( XXXX mortgage ) to release payoff documentation on XXXX XXXX. XXXX XXXX sent the information within a day. Seterus company sent a confirmation that they received the document. The Title company never received the payoff document. 
We called today as we had not received anything and were told they had to confirm with me because it was not clear and the form did not have the word " release '' ( the form I used said " furnish the title company with the pay off quote '' ). Bottom line, it would take 2 weeks from today ( 10 business days ) to receive this document. That means my closing will be delayed 3 weeks and at that point a new mortgage payment will be added. 
I called in the afternoon to request a payoff sent to me so at least the title company can start working with the numbers and I was told I was not " eligible '' for a payoff request (??? ). I requested to speak with a supervisor and I was yelled at saying what part of no I did not understand and that a supervisor would tell me the same thing.. I was put on hold and then she hung up. I called again and was told the pay off request for the title company had been cancelled ( I assume the representative that yelled at me did it out of spite ). Thankfully the new representative XXXX XXXX was very kind and put it in the system again to order the payoff. Now it remains to be seen if I get one or not. 
I would also like to let you know that the last 2 years they have failed to pay the homeowners insurance on time, had the policy cancelled on me, and both times my policy went up because of it ... money that Seterus made me pay by increasing my monthly payment to cover the escrow deficit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SS XXXX I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided in XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I am sure that someone in the XXXX area is using my ID and Personal Identifiers to open up accounts in my name. I lost my ID over a year ago. I pulled my credit report and discovered several accounts that I do not recognize. I am trying to protect the integrity of my credit profile as much as I can. Please update my correct address : XXXX XXXX XXXX XXXX FL XXXX is my only address. Please delete any other addresses. 
The following accounts are fraudulent : XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, and XX/XX/2023, I sent letters to XXXX, XXXX, and Experian disputing inaccurate items being reported on my consumer credit report ; however, they have failed to respond in a timely manner and were unable to provide me with a copy of verifiable proof regarding their investigation and the validity of the accounts being disputed. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX, and Experian are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that are posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account.
Product: Credit reporting or other personal consumer reports

This account was charge off on the following date : XX/XX/year> since them the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This innacurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglet has violated my rights. I am demanding a deletion of the following account : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX