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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I spoke with a representative about the tax payment that was coming due. The person explained how Quicken Loans manages the process for the customer and what to expect. I asked him to let me speak with someone that could give the details of keeping the payment at the current level. I spoke with a person that gave me details of what would be the outcome of a refinance. I have explained to several persons that have been calling us from Quicken Loans for weeks to refinance the mortgage. We inform them that the mortgage was just refinanced last year and that we aren't interested in refinancing our mortgage. 

During the conversation on XX/XX/XXXX, the representative mentioned a payment of $ XXXX/mo. through a refinance process with no PMI involved. I told the person that sounds great but my wife and I would not be interested. Thanks for your help and have a good day. 

On Friday, XX/XX/XXXX, my wife reads me an email that I had yet to read from my inbox about a credit inquiry for a new loan, etc. We gave no one permission from Quicken Loans, didn't hear them ask if it is alright to check our credit, or didn't expect anyone to do a credit check. This is an invasion of our credit information for the sake of Quicken Loans trying to " churn '' the loan to make money through the number of fees, etc. that come from a mortgage closing process. We understand the business community in all areas is currently having a difficult time. But, thank God we have not missed any payments to any creditor. Please let Quicken Loans know we do not appreciate being used in any way to line the pockets of businesses that already have financial resources way beyond retired persons such as my wife and I. Please let them know this information on our credit report needs to be removed as it bears no merit. I, nor my wife was asked if our credit could be examined to qualify for any additional loan actions through Quicken Loans. Thank you for your help.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have sent letters to you requesting that you remove inaccurate, incomplete, or unverifiable accounts from my credit file. To date, you have failed to comply with the Fair Credit Reporting Act requirements by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA.

I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your non-compliance. It has been over 45 days since you received my original request to investigate removing the following accounts, and you have failed to comply with the FCRA.

In good faith, I ask that you please reinvestigate the following items, and promptly remove inaccurate, incomplete, or unverifiable accounts : I ask that you remove the following unauthorized inquiries that remain on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you describe the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. I DO NOT CONSENT TO E-OSCAR FOR VERIFICATION.

Again, if you fail to immediately remove inaccurate, incomplete, or unverifiable information, be advised that I intend to file a complaint against you with the Federal Trade Commission and the Consumer Financial Protection Bureau.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received an email from XXXX XXXX XXXX Department of Education stating that my Student Loans have been forgiven and that all XXXX XXXX XXXX would be notified on my student loan forgiveness. 

As of this date, my credit reports still have not updated my accounts to reflect the information and I have filed disputes only for them to be returned as verified ; which is not true. 

The attached invoice shows the accounts PAID IN FULL.
Product: Credit reporting

I have disputed a lien with Transunion for the amount of XXXX the lien has been paid off and I received a lien release and forward it by fax to Transunion . Transunion updated the lien as paid but did n't erase it from my credit. I was told by XXXX who placed the lien it would be removed from my credit. I told Transunion the same thing and they still wont delete it.
Product: Credit card

Approximately 3 months ago, an unauthorized person accessed my online account and closed both of my accounts, Capital One Venture One and Capital One Quicksilver One. i informed customer service about this, that an unauthorized party closed my accounts after accessing my account on Capital One online. After informing them of this, i requested that my accounts be re-opened, since i did not close the accounts and Capital One did not close the accounts. the accounts were not closed by creditor or customer. they were closed by hacking or unauthorized access. Capital One refused to provide any assistance and also refused to reopen my accounts which were unlawfully and improperly closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2023, to update the suspicious information. I think you have not validated these accounts. This was already included in my prior COMPLAINT, and I'm including it again. I need the accounts to be verified in order for me to establish good Credit Scores in my files : XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : $ - - XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Joined the XXXX XXXX in 2016 and had to be gone for 25 weeks. Called the XXXX and requested a payment deferment/forbearance and got approved but still reported 5 months on 5 different tradelines late. Have tried to explain to that I had a forbearance was approved for that period and had not to be reported late. At first, they denied any forbearance approval in the past since they could not see anything in their system. But the grace of XXXX, they recently researched and found the letter. However, I have tried to get them to remove those late multiple times but they insist that their reporting accurate.
Product: Credit reporting or other personal consumer reports

There are several accounts on my XXXX, TransUnion, and XXXX reports that are reporting inaccurate and unverifiable information. The accounts are three different accounts from XXXX XXXX XXXX  and one account from XXXX and an account from XXXX XXXX. I can not put my account numbers in this public complaint however I have attached letters detailing everything.These accounts violate several FCRA laws and contribute to harm in several ways. I have addressed each account in full detail In the letters attached. Please review each letter pertaining to each account carefully.
Product: Mortgage

Urban Financial Of America in XXXX, XXXX was transfer my case after XXXX 2015. When there were problems with the XXXX XXXX office from XXXX, 2015. I applied for a Reverse Mortgage with this company. Informed them I had good credit however, my identity was stolen after I retired. I submitted every document to prove this horrible experience. Police report, letters, information from the XXXX credit bureaus, and correspondence from other companies to prove my fraud. This company has requested information over and over again. There are stacks and stacks of paperwork I have received from Urban Financial. I have been patient with this company since XX/XX/2015, but they are still stringing me along. I have been upfront with since Urban Financial, they contacted ME for my business. When I was looking for a reverse mortgage and guarantee this was not a problem and have me APPROVED in a few weeks. 
I am very frustrated with this company. Please help!!
Product: Credit reporting or other personal consumer reports

Subject : Discrepancy on Credit Report Dear [ Equifax, XXXX & XXXX ] I am reaching out to inform you of some discrepancies I have discovered on my credit report dated XX/XX/year>. After a detailed review, I found several accounts that are not associated with me. I kindly request your assistance in promptly removing these inaccurate entries from my credit history. 

The accounts in question are as follows : XXXX. XXXX XXXX. XXXX XXXX Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

6 years ago in XX/XX/XXXX, we purchased a car and it was financed through Santander consumer USA. as of this XXXX the car was supposed to be paid off. When I made my payment in XX/XX/XXXX I was told I would receive the title in the mail within 90 days. My credit went up 34 points and it reflected a XXXX balance on my credit report. 2 months later this XXXX, I went to go look up my credit and it said new account " Santander consumer USA balance {$8500.00} - mind you we did not get a new loan, this was the same loan, so we called to try to find out what's going on, we were told that throughout the loan more interest was acquired and not paid off- mind you the loan was paid in full including interest at this point. We asked to speak to a supervisor who would not provide us with any further information. Now we are stuck with a car without a title with damaged credit due to this issue and a balance exceeding the actual value of the car. This loan company is apparently well known for this issue and has been sued many times. unfortunately we did not know of this until now.
Product: Mortgage

I got behind on my mortgage payments in XXXX 2015 because my mortgage company, Ocwen, raised my payment about {$500.00}. We were paying our own taxes of XXXX per year and Ocwen decided they would pay them. They wanted to escrow {$3000.00}, consequently we could not afford our payments. I asked for an escrow audit and beginning XXXX XXXX, the payment was reduced. We can afford our payments now, but we are {$5000.00}. in arrears. Ocwen suggested we complete a HARP application, which I did. I was assigned a relationship counselor, who failed to show for 4 straight appointments. When I asked for another counselor, Ocwen told me that was not possible. Ocwen kept asking for documents that I had already submitted. This has been dragging on for 3 months. They will not accept our XX/XX/XXXX payment because of the amount in arrears. We are getting farther and farther behind. We would like to modify our loan from 20 years to 30 years, and change our payment date, because my husband does not get his social security until the XXXX Wed of each month. Ocwen has failed to respond to our calls. Their only response is " Can you pay {$6000.00}. today? We have lived in our house for almost XXXX years and do not want a foreclosure. I would also like to change mortgage companies. We 've had several different companies, but Ocwen is the only one we 've ever had trouble with.
Product: Credit card or prepaid card

This bank is horrible to me I didnt even use my card I lost it and saw a fraud charge large amount they refuses to help me when I called them to report this that I had lost my card and found a charge I didnt even begin using my account Im a new cardholder and their giving me this experience and hard time they refuse to refund me my money its nit fair I should be liable for this charge it was unauthorized but they tell me they dont have a zero fraud liability and I reported this promptly
Product: Credit reporting or other personal consumer reports

I want to inform the 3 Credit Bureaus 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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

XXXX XXXX XXXX Complaints Planning and Reporting Barclay Executive Office XXXX XXXX XXXX XXXX, DE XXXX Subject : Bait and Switch Credit Card Application Dear XXXX XXXX : On XXXX XXXX Flight # XXXX XXXX XX/XX/XXXX, an attendant promoted application for the AAdvantage Aviator Mastercard and gave my partner and me each an application form which he said we could fill out on-line once we are home, which we both did. Logging on to MyAviatorCard.com we both opened the application website where it clearly stated in two places that the first year annual fee of {$99.00} is waived. No problem for my partner who received his card and statement without a fee. I, however, received my card and statement showing there was a {$99.00} annual fee, account ending in # XXXX. 

I immediately followed up on XX/XX/XXXX, talking with Tambla ( sp? ) and XXXX who both said they could not help me and that it could take up to XXXX billing cycles to clear this up. I stated the promotion ended XX/XX/2024, therefore this would not be acceptable. Case # XXXX was supposedly set up. On XX/XX/XXXX I spoke with XXXX ( ID XXXX ) who stated there was nothing they could do about removing the {$99.00} annual fee as that is how I applied. I pointed out, and asked him to even go on-line to the XXXX web site and see what comes up as I have done it numerous times and in each case the opening frame states in XXXX places that the {$99.00} annual fee is waived for the first year. ( I even did it again today. ) I pointed out I would never have applied for the card if I saw the fee was not waived for the first year as it states in the application received in flight, confirmed by the attendant, etc. The response was the web site offers can change and there is no way the fee can be waived. A written response received states in part .theres an annual fee billed to your account as the application channel like booking path have different introductory offer on the account Therefore, I am formally filing a Bait and Switch Complaint with the federal and state agencies that oversee financial institutions including Barclay Bank . I just dont understand how Barclay could not honor its promotional materials by saying offers change on the web site. I am not stupid and would never have applied if it showed the fee was not waived. Again, my partner, sitting next to me on his computer, logging in to the same web site from the brochure, got his fee waived. The {$99.00} fee now is not my major concern and it will be paid, but my major concern is bait and switch and the refusal to honor an honest application by saying offers change.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and previous dates I have submitted that these reports do not belong to me and they still remain on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN MY PREVIOUS DISPUTES TO BOTH CREDIT BUREAUS XXXX AND EXPERIAN REGARDING XXXX XXXX XXXX XXXX WAS UNSUCCESSFUL. BOTH BUREAUS CHOSE NOT TO REMOVE THE INCORRECT DATA FROM MY CREDIT FILE.DESPITE SUPPORTING DOCUMENTS THAT DISPUTES THE INCORRECT REPORT BOTH BUREAUS CHOSE TO ACCEPT XXXX XXXX XXXX XXXX 'S DATA.AGAIN, I HAVE ATTACHED ADDITIONAL SUPPORTING DOCUMENTS TO INCLUDE THE VEHICLE TITLE SIGNED BY A XXXX REPESENTATIVE DATED X/X/2011.
Product: Money transfer, virtual currency, or money service

I was going to send money with zelle, before i clicked confirm, i exited out because i bno longer needed to send the money. When i went back into my bank account i noticed zelle did take the money out from my account without my consent. I called zelle right away but they said there was nothing i could do since the money was already withdrawn from my account, they said i needed to contact my bank, and my bank said i needed to contact zelle. Was never given my money back.
Product: Prepaid card

Received a digital American Express rewards card. For {$15.00}. Redeemed from Inbox Dollars. However, it can't be used anywhere. I tried multiples different sites. When I try to check the balance I get an error. I've called them twice and they just repeat themselves with no solutions. Telling me to try a different website or use in store. It's a VIRTUAL CARD!!!! The problem is there is no name or address attached to the card which pretty much EVERY site asks you to confirm. They claim they are unable to add this information either. After a XXXX search it seems like there are MANY MANY people with the same problem. This Amex gift card thing needs to be SHUT DOWN because they are stealing from people. I want my {$15.00}. It's been almost 2 weeks now!!!! I had a similar issue with a digital XXXX and guess what? They fixed it! Easy peezy. 
I WILL NEVER DEAL WITH AMERICAN EXPRESS AGAIN!!!!!
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for Consumer Reporting Agency have assumed a vital role and have a responsibility to reports Consumer information to the best of their ability with the Maximum Accuracy. I have never been late on payment for the account ( XXXX XXXX XXXX ) : ( XXXX ). Please investigate and provide Proof with statements showing that these payments were take. If the proof cant be provided I demand these payments be update to on time as they should be as I was never late. Thanks
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX for violating my rights under the Fair Credit Reporting Act ( FCRA ). XXXX is inaccurately reporting that my XXXX XXXX XXXX account ( account number : XXXX ) is closed and has been charged off and marked as late as of XX/XX/year>. 

According to 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. This provision clearly states that my payment should not be reported as late, yet XXXX has done so. 

Furthermore, 15 USC 1681 Section 602 emphasizes the importance of accurate and fair credit reporting. It is essential that consumer reporting agencies maintain the accuracy and integrity of the information they report. XXXXXXXX XXXX actions are in direct violation of this section. 

Additionally, 15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. XXXX has failed to comply with this requirement, further violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to each 3 main credit reporting bureaus : XXXX : XXXX : Equifax I stated to each credit bureau, that there company violated federal law 15 USC 1681 ( B ) " permissiable purpose '' which stated the bureaus and collection companies must have consent to report personal information to the bureaus. These companies did not have consent and therefore made an error on my consumer credit profile that resulted in hardships during these covid hard times. The bureau made an error with a late payment on my mortgage account, which my mortagage account was in forebearance and is current and up to date, The account XXXX XXXX  services must be removed as a late payment or these companies must provide monetary damages to me as a consumer for violated my federal rights and violated federal law and the policies of the CFPB! Remove XXXX XXXX as late payments mark them as current to rectify the companies error and pay monetary damages to me as a consumer.
Product: Mortgage

Was eligible for a  XXXX  dollar payment on my harp loan ( DI-TECH ). Processed the Harp form near the end of 5 year term for bonus and DI-TECH incates they are waiting for the federal government. My 5 year term ended in  XXXX  and I have no answers.but th e one d escribed.     Loan #  XXXX  Harp Mortgage.
Product: Debt collection

Received letter from XXXX XXXX XXXX XXXX stating i owed {$9900.00} to First U.S.A Bank. Never heard of this company and do not know what this is for.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All of these months are late payments declared by Suncoast Credit Union. 
On XX/XX/XXXX I spoke with the credit dept about the issue. They said it's my fault I asked them to prove it they couldn't. Going forward I asked them to setup automatic payments, they said they did and they didn't. This is the 4th time I processed payments and it didn't go through. I have no messages saying payment due or passed due. They are not making the automatic payment as I said that was the problem. Last case created I was called and never updated with status over 1 month and a half and now another missed payment they didn't automatically process as the agreement says it supposed to do.
Product: Mortgage

I have been having issues with Carrington Mortgage Services since XXXX of XXXX. Carrington keeps sending me letters that I have missed payments. I have records of every payment I have made to them. I have NEVER missed a payment since day one. I will send you everything. Every time I receive letter, I send copy of payment to prove it was paid. I have talked with everyone in that company and get a different answer every time with nothing ever being resolved. On XX/XX/XXXX, I received a certified letter from Carrington that I have not paid since XX/XX/XXXX and they are going to foreclose on my house. I don't no what to do at this point. I am going to attorney tomorrow but she said I should also contact you. The amount they say I owe is XXXX, which also keeps changing. Have never been charged a late fee. This company will not deal with you and now threatening forclose for no reason. Carrington 's number is XXXX. Address I will mail all documentation since there is a lot. Thank you
Product: Credit reporting or other personal consumer reports

I have NO knowledge of this account. I was in the XX/XX/XXXXXXXX data breach
Product: Debt collection

Jefferson CapitaXXXX is on my credit report trying to collect {$2500.00} which is not valid..