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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage lender, Carrington Mortgage Services ( CMS ), has improperly reported to credit reporting agencies that my account is in forbearance, which is absolutely false. I have made every payment in full, and on time, and I have never requested a forbearance. The forbearance prevents me from refinancing my mortgage with another lender. When I informed CMS, they stated that this was an error, and they would correct it, but they refused to provide me with any documentation stating this was reported in error to the credit bureaus. They stated it would take at least 30 days for something in writing to be provided to me, thus preventing me from refinancing my home and saving approx $ 300-400/month. 
Additionally, CMS customer service informed me that there were many other customers with the same problem. It then occurs to me that this is a financial tactic by CMS to prevent customers from refinancing their homes. In my case, I purchased a very underpriced home, with CMS as my lender, with a no closing cost product. Now 6 months later, Federal lending guidelines permit me to refinance, and it is very advantageous for me to do so. I would eliminate PMI, and interest rates are easily 1.5 % lower now, than my initial rate. CMS would lose money on this deal, and it is my assertion, that they are deliberately reporting false information to the credit agencies in order to prevent me from refinancing, so they will not lose money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not associated with me. I have been fighting since i found out this was inaccurate to have it removed without any luck. It is making it impossible for me to do what I need to do credit wise because its reporting negatively and its not my account. I have reached out to the bureaus sever times and nothing has been done.
Product: Vehicle loan or lease

I purchased a XXXX from a dealer in the XXXX area via lease on XX/XX/18. I was given a 30 day temporary license plate as is customary until title could be transferred or given to me. It has been almost 3 months since the purchase date and I have not received the title form Jeep and in turn have not been able to get a license plate or legally drive the car. As a result of XXXX 's inability to send me a proper title and within a sufficient time period, I have been unable to drive the car. I have called XXXX as has the dealership for 3 months to get title and due to their complacency or inability I still have not received.
Product: Credit card

Venmo Credit closed my account after stating I requested the closer. I never asked Venmo to do anything of the sort. The only time I spoke with an agent was to validate a charge, which took three separate calls. The final call I was rude and hung up the phone. This clearly was done for retaliation for hanging up and being rude. Since then I have requested my account to be reopened, and my request was denied. Clearly that agent closed my account without my consent. This will obviously hurt my credit. Highly unprofessional and needs to be addressed if possible.
Product: Debt collection

I checked my credit and saw an account from Conserve for {$240.00} for XXXX XXXX College, which is odd because I never attended. I sought information and started the application process, only. However, when my request for federal financial aide was denied, I was unable to register for classes. So, I never attended the college, not even for orientation. I am going to file a formal complaint as well with the department of education for fraudulent accounts being opened and collected on at this college.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update these items ASAP. Thank you. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card and I got denied. I was not told the reason on why I got denied. I went home and decided to get a copy of my credit report on XXXX   XXXX and I saw various items that had been open from XXXX and one item in XX/XX/XXXX. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

XXXX XXXX {$680.00} XXXX   XXXX  XXXX {$250.00} XXXX   XXXX  XXXX {$420.00}
Product: Credit reporting

I would like Chapter XXXX bankruptcy judgement removed on Transunion credit report and XXXX credit report.It has been passed seven years.Thank you.
Product: Credit reporting or other personal consumer reports

Please remove all address listed below I have never lived there of no longer reside there. I want only 1 name 1 address and no social security phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigating but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 
This is ground for removal and they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX    XXXX  ,2017 there was an inquiry on my credit report from  XXXX   XXXX  and I did not authorize this or sign any applications.
Product: Mortgage

We are closing on the sale of our home and, as a part of that, the title company requested the payoff from our mortgage lender. They are trying to charge is a {$1600.00} prepayment penalty because we closed on the refinanced loan less than 36 months ago. However, their monthly statement listed the prepayment penalty as " None '' and they never verbally disclosed the prepayment penalty with us at any time during the loan process. It is also not included in the language of the Note or Deed of Trust ( although apparently we did sign a disclosure that neither of us remember being disclosed ). We believe the failure to list the penalty on the periodic statements is in violation of the CFPB rules on this topic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To whom this may concern, I have tried over and over again to get these accounts off my credit report and the credit report are not doing what they are suppose to do. I have disputed theses Companies because the are wrong.! 
Amount : XXXX the date states XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX. I Know these companies have violated my right because according to the Fair Credit Reporting act 15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy. I have never heard of the Companies that is contacting me to collect theses debit. The credit report keep saying this is accurate. The 15 U.S.C 1681 SECTION 604 A. SECTION 2 Also states that the consumer reporting agency can not furnish a account without my written instruction. I Have the right to challenge these debit. Please help
Product: Credit reporting or other personal consumer reports

This company is trying to collect a debt that is not mine. This debt is reflecting my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts listed on the attached Credit Report has violated my federally protected consumer rights to privacy, and confidentiality under 15 USC 1681. 

ALL ACCOUNTS LISTED ON THE ATTACHED DOCUMENT HAVE VIOLATED MY RIGHTS. 

15 USC 1681 section 602 A : states ; I have a right to privacy. 

15 USC 1681 section 604 A 2 : states, a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681 C ( a ) ( 5 ) : states, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse information, other than records of convictions of crimes which antedates the report by more by 7 years. 

15 USC 1681 s-2 ( A ) ( 1 ) : states, a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has any reason to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year>. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payments for XXXX and XX/XX/year> before the due date, but due to a delay in processing by XXXX, it was recorded as late. I have attached bank statements and payment confirmations that show the payment was made on time. 
Clerical Error : There was a clerical error on XXXX 's part, which they acknowledged, but the correction has not been reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

This is my several requests 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have received " Access Checks '' to transfer balances from other accounts to my Credit Card account directly from Chase Freedom Bank each month for multiple months ( estimate at least 4+ months ). On XX/XX/2022, I called Chase ( XXXX ) and reached customer service where I requested these checks be stopped. The agent confirmed the stop request. 

On XX/XX/2022, I received an additional set of checks ( XXXX XXXX XXXX XXXX XXXX ). 

On XX/XX/2022, I called Chase again and spoke with an agent. She informed me of the notes from my XX/XX/XXXX call. I told her I had a new set of checks I just received and it should be cancelled. We got disconnected. I called back and spoke with another representative. She pushed the cancellation of the checks through on the account and escalated me to a senior representative. 

The senior representative confirmed the checks received XX/XX/2022 were printed on XX/XX/2022 ; after the initial cancellation on XX/XX/2022. These should be the last set I receive. She then disconnected the call without finishing the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts Appearing On Credit Reports. 


1. XXXX XXXX XXXX XXXX  {$3300.00} 2. XXXX XXXX  {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to place a security freeze with Experian, and they refuse to do so. 

I 'm able to view my report on their website so they 've confirmed who I am, but when I attempt to place a freeze they say that they can not confirm who I am. 

Their only provided option is the service that they provide for $ XXXXmonth which is {$1600.00} over the life of a 7 year freeze, though in my state it should be free. 

Their phone system also constantly cuts me off when attempting to place said freeze as well.
Product: Student loan

On XX/XX/23, I received an Auto Debit Withdrawal Confirmation message from MOHELA. The message stated that an automatic payment of {$360.00} would be withdrawn from my checking account on XX/XX/23. Today, XX/XX/23, I checked my bank account and the money has not been withdrawn. I checked the MOHELA website and there is no record of any payment. I am scared of defaulting on my loans which are now under repayment since their administrative forbearances have expired. 

They should have originally taken my automatic payment at some point in XXXX, but they never even sent me a bill, much less take the payment. After 2 months of calling and emailing them, they finally sent me the Auto Debit Withdrawal Confirmation, but they still clearly haven't gotten organized enough to follow through. I'm tired of worrying about this issue. Before COVID, I was on auto-pay and there was never any issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing this debt on the following grounds. 
1 ) Incorrect billing procedures. This was not billed to both insurance carriers by the original agency, or my responsibility would have been {$0.00}.

2 ) This will no longer be covered by the insurance carriers because it is outside the Missouri timely filing guidelines.

3 ) This medical facility, Total Access Urgent Care sold this incorrect balance to a debt collector known as MCA MANAGEMENT COMPANY for the amount of {$480.00}. 

I previously asked that if the debt issuer have good reason to believe that I am responsible for this debt, mail me the documents that make Them believe that. They have NOT been in communication with me regarding this debt and record that Ive disputed mentioning that I have zero obligation for this debt. Ive disputed this multiple times with the credit bureau as well as the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED MY FTC REPORT TO XXXX NUMEROUS TIMES I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED PER FCRA 605B ( 15 U.S.C. & 1681c-2 ) TO BLOCK THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Product: Credit card or prepaid card

On XX/XX/XXXX Capital One sent a check for a credit refund on my credit card. They sent it to my previous address. They sent two checks for refunds for two different credit cards. One I did receive but the one they sent to my old address I never received it. I had been in XXXX with the XXXX since XX/XX/XXXX and just finished XXXX in XXXX. Needless to say that I did not have access to my phone. So, when I came back home I tried calling capital one to let them know that I had not received one of the checks and after a while in the phone they hung op on me. I called them on XX/XX/XXXX and then again on XX/XX/XXXX with the same results. Nobody was willing to help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear sir, Regarding the reviews written on XX/XX/XXXX of 2024 on CFPB complaints numbers XXXX and XXXX, I would like to request your companyXXXX XXXX XXXX, to ask the Bank of American branch XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX to send me the written format letters, which I can open the envelop and read the content. Your employee stated this branch must have sent me the information and investigation result ; however, since I could not find out this information in my online banking account. Since I have continued to have issues online and beyond, I have decided not to open any links which might be suspicious, such as irregular usage of images online sent to my email addresses with unfamiliar sender email address. Would you ask your related branch employee to send this information through official banking account? 
Even though you have mentioned three credit report companies, I have already contacted and still in disputes including with thy company, XXXX XXXX 
Sincerely,
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, 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 an 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

Bill Negotiator by experian. The way they have the picture laid out on the service shows that you will pay a {$16.00} fee for a {$500.00} savings for them negotiating your cell phone bill so I signed up and gave them my debit card number. I even thought it was such a great deal that I went ahead and started signing up my second account. But in fact for example upon looking past the tricky way they have it laid out if they saved you {$500.00} a year on your bill they would charge you a {$200.00} fee!!!! That is a ridiculous amount. So quickly on the second one before I hit submit I was able to delete my 2nd bill. However when you go to cancel the first one it says it can not cancel it because it is already in progress then it says your negotiation will begin in 3 to 7 business days. Well obviously that to me means that it is not in progress it has not been started and my money should be properly refunded. They are to be ashamed for a credit card company to proclaim that theyre actually trying to help people w bad credit loose any money they have left and cause them more bad credit!!!
Product: Vehicle loan or lease

I have already submitted a complaint with CFPB before I talked with Wells Fargo trying to resolve the issue and trying to get some light on my issue and understand what all is going on and where my missing money went to but as usual they just talk in circles don't respond to emails or phone calls. I've left voicemails, I've been hung up on it's getting really ridiculous when I show them the fax and I have the proof I don't hear anything back from them. I explained that I wanted my three months of extra payments to go directly to principal because I was three months ahead, and after the change was done, I was told to wait 72 hours. The change never happened and began my long, confusing, Strange interactions with Wells Fargo. The month prior my payoff balance was {$6800.00} the following month, which was supposed to have my three months future payments to have gone to principal along side, my regular monthly payment regular monthly payment being on auto pay since the beginning of the loan term has been at {$810.00} after the changes were made the following month my payoff balance increased it {$6900.00} after supposedly {$3200.00} went towards my account. Wells Fargo is trying to pocket the {$3200.00}. I would really like to see this worked out and Wells Fargo be punished because this is wrong and they seem to do it so often I understand that they had a lawsuit recently if {$2.00} billion payout yet they still continue to try and rip off and steal from people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered inaccurate information on my credit report. The report is in my name XXXX XXXX and my Social Security number is XXXX. I believe this account is reporting inaccurately. I do not recall having an account with this company. I don't think there is legal contract between this company & myself. I would like you to provide me verifiable proof this account belongs to me. I request a signed contract which will demonstrate a legal agreement. Please delete. 

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

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX