23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

During our mortgage loan modification process, our loan was sold from XXXX XXXX to XXXX in XXXX of 2022. Mr. Cooper took five months to book our mortgage and give us online access to make payments. Funds were misappropriated, and one of our payments was lost or misapplied. Blatent and evident proof has been made of all payments for the past 13 months. Proof of payments on highlighted mortgage statements, cashed check copies, and supporting bank statements have been communicated multiple times in the last seven months to fix the error with no resolution. 
We have been receiving harassing phone calls every month about late payments when all payments have been made on time. Multiple representatives made many empty promises, with phone calls rarely being returned. Shoddy customer care and regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on numerous occasions tried to get dispute remarks removed from my Equifax credit report, starting back in XX/XX/XXXX. The account that has the dispute remarks ( 'consumer disputes after resolution ' ) is XXXX  which is a student loan account, I have 2 separate accounts with them, the remarks appear on both accounts. I have long since stopped disputing this account and have tried on SEVERAL occasions to have these remarks removed. Equifax will remove the remarks from my report and then within 2-3 weeks they will reappear even though I am not disputing the account. I became REALLY frustrated with Equifax and reached out to XXXX on XX/XX/XXXX myself to let them know that I was no longer disputing this account and would they please have the bureaus to remove dispute remarks, they sent me a letter stated they would correspond with the bureaus to have remarks removed, well as of XX/XX/XXXX the remarks still had not been removed so I called Equifax ONCE again, this was on XX/XX/XXXX, the dispute remarks were removed on XX/XX/XXXX but placed back on my report on XX/XX/XXXX. I called Equifax AGAIN on XX/XX/XXXX and was told the remarks would be removed. They removed the remarks again on XX/XX/XXXX and placed them back on my report AGAIN on XX/XX/XXXX. I am sick of playing with them. They are ruining my chances of obtaining a mortgage because they keep adding the dispute remarks back to an account that I have long since stopped disputing.
Product: Debt collection

On my credit report there is an account from the following creditor : Account # XXXX PORTFOLIO RECOVERY XXXX XXXXXX/XX/XXXX ( original creditor ) {$3400.00} I am writing to dispute this charge, as I have no recollection of what it is for. I have been trying to contact the creditor for several months in order to obtain proof of the charges owed, including invoices, statements, or any related documentation. Until now, I have not received an answer. 

Kindly look into clearing this charge as I can not obtain any proof that these charges indeed belong to me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department : Re : Acct # XXXX This letter is in regards to a phone call I placed to your company regarding the account listed above on XXXX. I called to inquire about this account that is listed on my Credit Reports. I spoke Customer Service Representative named XXXX, as provided by her. She informed me that your company does not have any information on this account that it was all sent to a collection agency. How did you investigate this account without any documentation? I contacted the collection agency your rep told me about and they could not validate the debt. This collection agency subsequently removed all information regarding this account from my credit reports. If this incorrect information is not removed from my credit reports, I will file suit against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously sent my Identity Theft Report to TransUnion by certified mail on XX/XX/2018 to block the fraudulent accounts and inquiries reporting on my consumer file. TransUnion has ignored my previous disputes and have I have requested the help of the CFPB to make sure TransUnion complies by XXXX XXXX. I have enclosed a copy of my FTC Identity Theft Report, drivers license, social security card, FCRA XXXX and, a copy of my TransUnion credit report.
Product: Payday loan, title loan, personal loan, or advance loan

Netcredit is chargeing 99.98 % interest rate on a {$1500.00} online loan. I was told the cap in Louisiana is 12 % to 36 %. I have been making payments since XX/XX/ and the balance is still {$1500.00}. Nothing has been applied to my principal.
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 Accounts : XXXX XXXX, Synchrony Bank, and XXXX XXXX XXXX  15 USC 1681 USC section 602 states I have the right to privacy 15 USC 1681, Section 604 a, states that a consumer reporting agency can not furnish an account without written instructions. With all these laws in place for the consumer, they still violate them every day. Enough is enough!
Product: Mortgage

I am home owner in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX that destroyed XXXX cars and did severe damage to my home. The skylight on my roof shattered and hail, glass and rain poured into my house from the XXXX ft. square skylight. The night of the storm, I brought in emergency crews to temporarily cover the roof, remove glass and water and install a drying system. They mitigated the damage and documented extensive scope of harm to my house. I had to repeatedly get XXXX XXXX to come to my house to meet -- XXXX sets of adjusters all with extremely low estimates. XXXXXXXX XXXX XXXX XXXX XXXXXXXX said it was XXXX of the " XXXX XXXX '' worst hailstorms he had seen in his career. The estimates were irrationally low. New Rez/Shell Point XXXX XXXX XXXX  year mortgage in XXXX, and I owe {$24000.00} and XXXX more payments. I have never been late in making XXXX payments for the full amount due each month. New Rez demanded that I endorse the XXXX XXXX checks in my name and I sent them to XXXX Michigan New Rez per their instructions overnight, fully endorsed on XX/XX/XXXX. I sent proof of remediation and having paid {$7500.00} for completed emergency repairs. New Rez deposited the checks on XX/XX/XXXX, yet have not paid me a dime to date. They said that " over XXXX requires them to deposit the funds and hold them '' - yet they have not paid. They sent me a letter asking me on XX/XX/XXXX if I wanted to re-finance my home saying that I have a current value of " {$410000.00} '' on my property. They are accessing my claim, and I have asked to speak to payment supervisors. I am using the money on my home from insurance that I paid, they have a 5.9 % interest in their assessed value of my home yet they plan on holding back APPROVED HAIL REPAIR funds equal to my total mortgage. It's irrational and essentially shifts onto me the burden of repairing from a disaster with personal funds when they are sitting on my repair money. I have been forced to seal my roof and continue repairs while they make excuses. I've asked to speak with XXXX or XXXX and am filing with Michigan Attorney General. Texas law is to lenient to lenders and insurance companies during this recent disaster -- it is harmful to consumers. The funds belong to my house to be used by me to make repairs -- not held by a XXXX Michigan mortgage company with over XXXX complaints on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The platinum card ending has been settled on XX/XX/XXXX to the collection agency XXXX has assigned but on XXXX  credit report shows updated on XX/XX/XXXX with balance of {$1500.00}. Are you still going to say that the XXXX is reporting correctly? If you collection agency didnt report to XXXX in timely manner its not my fault. This email is in reference to an ongoing issue. I am very frustrated as I have been going back and forth with your XXXX XXXX and sadly no concrete outcome has been made. Please see the attached documents from both credit bureaus Experian and XXXX  that show XXXX XXXX reporting incorrectly missed payment when there is no balance due. 

I request you to please research the incorrect reporting from XXXX XXXX 's end and help resolve this issue. Unfortunately, reaching out to the credit bureau directly is not solving the issue because I am being told that the discrepancy is from XXXX XXXX end. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX account on Experian shows completely wrong information as these account were opened up on XX/XX/XXXX and charged off on XX/XX/XXXX and as per the details provided by XXXX representative but on the credit report it missing the payment history from XX/XX/XXXX through XX/XX/XXXX, This account was fully paid in XXXX and reported to Experian as paid in full but is still showing negative for the month of XX/XX/XXXX which is an error. 

XXXX : XXXX XXXX Cash card is still showing on XXXX  as charged off but no update on to the payment status being paid in full and after speaking to the XXXX 's representative today they advised me to check directly with XXXX XXXX because only XXXX could send the update as charge paid in full. 

XXXX XXXX XXXX card is still showing on XXXX  as charge off but no update on the payment status and showing the major delinquency in XX/XX/XXXX. 

In summary, I am requesting you to look into the matter on an urgent basis because due to these error reports by XXXX I am hurting both mentally and financially. 
I am requesting you to please assign someone to handle all these issues and send me an update by fixing or removing from the credit report. 

Please feel free to forward this to the correct
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX XXXX XXXX, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms 6. Purchase contract of this account The specific account ( s ) in question are as follows : XXXX XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA.

Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Thank you for your attention to this matter. I look forward to your prompt response. 



Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

ACIMA DIGITAL FKA SIMP XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to submit disputes for some inquires on my credit report for the past few months and Equifax does nothing to investigate the inquires in question. I have been unable to get help from the company who made the inquires and now Equifax wont do their part by investigating the inquires. I have attached a copy of the inquires in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CARES Act and Credit Reports states ...... If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the COVID-19 national emergency ends. ****In XX/XX/XXXX SELECT PORTFOLIO SVCIN is reporting a late payment to my credit report however, I had followed all steps of making a valid payment arrangement via the cares act with this company during the covered periods however the company is still reporting inaccurately to all XXXX of the national credit agencies I was current before and after that time also.If you are current on payments and make special arrangements, creditors must report the account as current. Late and missed payments CAN NOT be reported if you have already made arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Up to XXXX to XXXX I seen a lot of advertising on Credit karma. They kept sending me all sorts of pre approvals telling me that I was pre approved for credit cards, personal loans and that I can refinance my car everyday. I would see these offers every time I logged in to check my credit scores. So after a few months of being told that I was pre approved I thought I was in the perfect place to apply. I got so many offers through credit karma I started telling my whole family about vacations and investments we were going to use these pre approvals for. So I applied in or around sometime in XXXX and I got denied for XXXX credit cards and a personal loan I was devastated. I was very upset. I felt lied too. I was marketed for months. Credit karma told me I was pre approved and they told me a blatant lie. I was severely stressed out. I was nauseous for weeks. I had headaches for weeks. Every time I seen I see pre approvals I turn off my phone because it has scared me away. Ive stopped checking my credit because of this.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I do not have any children. I have never paid child support. This is a fraudulent account on my credit report. 
Attorney General Office- {$55000.00} XXXX XXXX {$570.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on deferment with thin long and in the process of being on deferred loan I Fort was applying for XXXX through XXXX XXXX and during this time that the the customer representative told me that I can get on deferred where I can suspend my payment until they decide if I 'm going to get the XXXX or not both companies were aware that I was applying for this during this time while I 'm waiting they put this on my credit I asked him to put this on I asked them to pull the tape so we could listen to the conversation of what the representative told me. I do n't believe that there are true and correct I have went back and forth with them and that 's what the representative told me and they knew that I was in the process of getting a XXXX and the representative told me that everything would be okay and it would not show A payment
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX