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

To whom this may concern, I am writing to formally dispute the accuracy of a certain charge off account that appears on my credit report, as allowed under 15 USC 1681E ( J ) of the Fair Credit Reporting Act ( FCRA ).

15 U.S. Code 1681b ( e ) ( 6 ) - Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.

My point is that these credit reporting agencies are the ones that are responsible for notifying each other in order to update the reports to ensure accurate reporting across all of them, not me. But I must enforce this otherwise there will be no change. And from the looks of it, this is a violation for non compliance for not following their required procedures under the law and Metro 2.

Below I have provided the relevant details for your reference : ACCOUNT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*REMOVE THIS ACCOUNT DISCREPANCY DETAILS I dispute the accuracy of the charge-off information related to the account mentioned above. It is not consistent with my records and my understanding of the terms of this account. Furthermore, I have reason to believe that the reported balance and other details are not accurate. 

REQUESTED ACTION In accordance with 15 USC 1681E ( J ) of the FCRA, I formally request that the following actions be taken.

Conduct a thorough investigation into the accuracy and completeness of the information reported.

Verify the legitimacy of the charge-off status and reported balance.

If any inaccuracies are discovered, correct or remove this information from my credit report promptly.

I am fully aware that the FCRA mandates a 30-day period for the completion of the investigation and the provision of results. Additionally, I request that you provide written confirmation of any updates or corrections made to my credit report as a result of this dispute, as required by law. 

In addition, please remove all non-account holding inquiries over 30 days old. If there is an open account inquiry, such as XXXX and XXXX XXXX, keep it on my report. 

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.

I emphasize my commitment to achieving an accurate and just representation of my credit history in line with the provisions of 15 USC 1681E ( J ). I trust that you will act expeditiously to address this matter and uphold the integrity of my credit report.

Thank you for your attention to this notice of dispute. I anticipate a swift resolution and the removal of any inaccuracies on my credit report. 

Thanks.
Product: Debt collection

I had two separate Jared gallery Jewelry account. One has been settled and paid in full due to account balance was incorrect. The second account has been back and forth in XXXX county court. We came to a payment agreement however I lost my job and was unable to make my 1st payment. About a month or so after I contacted the to try to settle the account however they are not willing to negotiate the balance and they wanted to include interest. I have repeatedly called and sent notarized letter requesting to pay off account and the refuse to accept my offer due to the fact they want to include interest. I have been working really hard the last few month to work on my credit & had several thing removed. I am trying to buy a home and this is the only account I am still having trouble with. The Original Balance is {$3500.00} and I was offering $ XXXX {$2200.00} to pay off and they refused my offer. Then turned around and lied to CFPB advising they had tried to settle account. This company only want to keep charging interest to try to collect more money and to but me in debit. I simply want this behind me already. All my other debit are settled and cleared. See attchments
Product: Credit reporting

When I go online for the Free annual credit report, the security questions provided by Equifax do not apply. In other words, the selections they give does not apply to my history and I choose the answer NONE APPLY. This happens every time I try to get my annual credit report. It is too much of a hassle to go get a copy of my drivers license, pay for a stamp and drop off the post office when I 'm in a rural area. I should not have to keep going through this when I am entitled to my annual free credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On today, XX/XX/XXXX, I received an alert from TransUnion that a XXXX account was reporting 120+ days late. This caused my credit score to drop XXXX points! I called and spoke with a representative and she said that they have not reported on my account since XXXX and that my account was paid in full through consolidation. I demand that this account is removed or updated to show accuracy.
Product: Credit card or prepaid card

On XX/XX/23, I received a {$5000.00} check in the mail from American Express for a credit balance refund that I requested on XX/XX/23. Ref. XXXX. Account ending in XXXX. I chatted with customer service to confirm that the check was valid before I deposited it into my checking account. My Amex account showed multiple, repeated transactions of crediting and debiting that amount ( {$5000.00} ). I didn't receive ANY communication from Amex regarding that check. A copy of this conversation is attached for your review. As you can see, the representative confirmed that the check was indeed valid. I deposited the check into my account the same day. On XX/XX/23, the check bounced. 

Please explain to me what happened here? I should've been informed that the check was cancelled. You send realtime digital communications all the time via secured message. I was proactive about verifying the check validity with your reckless customer service representative. I've been trying to get a credit balance refund for more than 60 days now without success or explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a credit card with XXXX XXXX for several years. I placed an order on XX/XX/XXXX and they ran a HARD INQUIRY on my credit report without my knowledge. It was not until XX/XX/XXXX that I noticed the inquiry. The reason listed for running my credit is " PERSONAL SERVICES ( non-Medical ). I called on XX/XX/XXXX and was told that they automatically run my report every 6 months no matter what. I told them this was the first time my report was ran since I initially got the card ( I believe in XXXX ). I asked why did they list PERSONAL SERVICES as the reason for running my credit and got no answer. I asked for a supervisor and was told a supervisor would call me back. I never received the call back.
Product: Mortgage

I 'm extremely exhausted with Ocwen loan servicing because they have made it impossible for me to get anything. I have been trying since XXXX to get a resolution for my mortgage which is very high at a 7.6 pct interest rate. they kept denying my application even when they told me everything was OK. on  XXXX XXXX 2017 at XXXX. I received a phone call from an ocwen employees name XXXX XXXX she a relationship manager at ocwen told me that the loan was denied so I ask why. her response to me they could n't come up with a modification because the loan is being paid monthly, and if I need a modification. I should leave the loan unpaid for 90 days, and they would give a modification, and her second option was for me to go a refinance with another bank because ocwen do n't want me as a a customer when in fact I had this house for over 10 years all I have been paying is interest rate that is very high. Ocwen have violated federal and state laws yet again by providing me with misleading information so I can lose my home, and become homeless because I 'm retired and my saving have getting depleted and ocwen have all my document. they made impossible i do n't know how long I can keep this home because they keep violating mortgage servicing rule.
Product: Payday loan, title loan, or personal loan

I took out a loan with this company on XX/XX/XXXX. In addition to the bi-weekly deductions that are set to cover my payoff I made an additional payment towards the principal balance only and they never applied it to the principal amount. I called to make an additional payment towards the principal balance on XX/XX/XXXX and was told my payment would not be applied to the principal. I am trying to pay the balance of this loan and it seems my efforts are not working. The loan was originally for {$2800.00} in XX/XX/XXXX and I have made bi-weekly payments of {$170.00} starting in XX/XX/XXXX and the balance is currently {$2700.00}, I understood this was a high interest bearing account but when trying to pay towards the principal balance my efforts are being thwarted. I need someone to look into this and provide me with a reason I can't seem to pay this loan down. I was told by a representative I will have to call on my payment due date to pay {$700.00} towards the principal and still have to pay the {$170.00} that is due at that time this just doesn't make any sense to me.
Product: Mortgage

Borrower continued to make payments, including XX/XX/XXXX and XX/XX/XXXX, however the mortgage company stated that payments were never received. Borrower called regarding the money orders and received proof that money orders were cashed by lender. The borrower did not want to pay additional payments as borrower believed payments were current. Loan is now in foreclosure. Borrower sent out a QWR letter XX/XX/XXXX requesting for payment history to determine or prove that payments were received. Lender never responded to QWR letter as of today. Lender 's counsel was asked the status of the response of QWR letter at the last conciliation conference on XX/XX/XXXX but lender 's counsel had no knowledge. Housing counselor submitted a copy of QWR letter along with receipt of certified mail to lender 's counsel on XX/XX/XXXX. Lender has neglected to send any proof of payment history to reflect that XX/XX/XXXX and payments after were late.
Product: Credit reporting or other personal consumer reports

Good day! I am requesting for your assistance regarding with these wrong reported accounts on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and update the accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone is apply foXXXX XXXX XXXX XXXX XXXX  3 times a month without my knowledge for a total of 73 inquiries that i have no idea about
Product: Payday loan, title loan, or personal loan

Im trying today this loan off and have sent them 3 checks. Last check sent was delivered by XXXX XX/XX/2023 and was certified funds in a cashiers check from XXXX XXXX XXXX XXXX. Total amount of check is {$4000.00}. Which is pay off loan however they are failing to post it and close my account. They are now emailing me threatening adverse actions to my credit report.
Product: Debt collection

I have continuously contacted this company as well as the original creditor to advise them that I did not know this debt. To date I have not been able to resolve this issue. I have provided multiple documentations to this creditor providing proof that this was not my debt, without resolve. This is not my debt and I would graciously appreciate it if this was removed from my credit report. This is affecting my livelihood tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These are the items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX, MI XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$700.00}, XXXX XXXX XXXX : {$1200.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00}, XXXX XX/XX/XXXX, XXXX XXXX
Product: Credit card or prepaid card

I signed up for a navyist rewards card for old navy at a location in XXXX on XX/XX/XXXX, I was told that there would not be any interest or other charges on it unless I made a purchase. I never received the card and didnt think about it until I noticed on my credit statement that I lost XXXX points due to an outstanding charge of {$29.00} that was increased by {$200.00} on XX/XX/XXXX to a total of {$230.00} I called Barclays in late XX/XX/XXXX or early XX/XX/XXXX and filed a fraud report and asked them to cancel the credit card, they told me I would get a call regarding my report in 2-3 weeks, I waited 4 weeks and called them mid XXXX to check on the status of my report, they redirected me to someone who asked for my credit card information, I told them I never received the card and that I was calling to check on the status of my report, they told me they couldnt do anything without my card number.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # xxxxxxxxxxxx XXXX XXXX  XXXX XXXX XXXX XXXX XXXX xxxxx XXXX, XXXX XXXX XXXX XXXX : # xxxxxxxxxxxx XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 ( A ) : States I have the right to privacy. 

15 U.S.C. 1681 Section 604 ( A ) Section 2 : It also states a consumer Reporting Agency can not furnish a account without my written instructions. 

15 U.S.C. 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing 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 XXXX 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 or other personal consumer reports

Equifax Fail to provide notice of dispute sentence on my credit report which is a violation of my rights as a consumer. According to FDCPA Section 807 ( 8 ) A person have 30 days to update consumer report with a notice of dispute sentence on credit report and that was not done on a lot of my accounts which I would attach proof with to this complaint I disputed with The CFPB on multiple occasions. Some Bureaus was giving more then 30 days still no update so this a violation of my right delete these account immediately From XX/XX/2024 to XX/XX/2024 and even before that NO NOTICE OF DISPUTE was done to my credit delete immediately for this violation. 


FDCPA Section 807 ( 8 ) 807. 
False or misleading representations [ 15 USC 1962e ) ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 


FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2| ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Product: Debt collection

The debt was transferred to a collection agency but isnt owed by me. I had medical insurance that covered it but they didnt want to use the medical.
Product: Mortgage

Hello I am contacting your organization to file a complaint against my mortgage company Mr. Cooper. I have been trying to resolve my delinquent payments and get them to review my updated financial information for loan modification but their agents have obstructed the process. I am told that I am eligible for review and that I need to send in updated paperwork, and I follow the instructions but when they receive it I start getting the runaround and they never actually look at the information. I am now facing foreclosure because Mr. Cooper won't do their job and review my updated financial information which documents positive changes in income. I have owned my house for 15 years and I am scared I will have my house sold at foreclosure auction. I worked for years a XXXX XXXX   but due to XXXX XXXX had to take an early retirement. That is how the whole problem started. 

I applied for a loan modification in XXXX and was approved and I made my payments as agreed. As explained I was diagnosed with XXXX XXXX in XXXX. I had to take an early retirement from my job as a XXXX XXXX. I applied through Mr. Cooper for a mortgage modification since my income had decreased and I had major health issues and bills. I ended up getting approved in XX/XX/XXXX and was offered a trial program, but this modification only lowered the payment {$50.00} a month and I could not afford the payment. I tried to appeal and get a new review initiated, but have been stuck in the abyss with Mr. Cooper ever since. 

When I contact Mr. Cooper to re-apply for a modification I am told that they need updated financial information about my current income to be reviewed. I explain that I receive SSI and now I also receive a pension and that this is the current and correct financial information. There is some kind of disconnect with their agents, because they always fall back on telling me that I was already reviewed and that I need to provide information on additional income. When I provide this information, I am STILL told that I am not eligible for a new review and that the only possible solution is to make one lump sum payment of all past due amounts. 
Mr. Cooper 's agents won't even conduct the review, they act as gatekeepers and deny me access to homeowner programs designed to help me.
Product: Debt collection

This complaint is about the account # XXXX, which the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX claim I owe {$12000.00}. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ever had some contractural obligation to pay them for a debt that I dont owe, is a violation of the FCRA & FDCPA ; XXXX if XXXX XXXXXXXX XXXX / XXXX XXXX XXXX can not validate I have wrote to this company and Equfax over 30 days I Never get anything received back from this company this is the result of identity theft that amount I don't owe and never have any associated with this company
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received notice of debt owed by a company called XXXX XXXXXXXX XXXX in the amount of {$5300.00}, from an ashley card ( Sychrony bank XXXX 6 months ago, as my health was fading I reached out to Synchrony online in regards to me being XXXX XXXX XXXX and requesting hardship or help in some way. I was ignored and the debt was sold. In the terms of the card, it states there are remedies if you become XXXX but I guess it doesn't apply to Veterans. The balance just goes up and the debt is sold. Why was my request ignored and why does the balance continue to grow? This is shameful, I am a XXXX XXXX XXXX XXXX
Product: Checking or savings account

the atms that are supposed to be releasing funds to a team of mine are actually being used by a separate team and they are being funded by releasing the maximum amount then letting the remaining amount get put towards further down the line projects or settlements
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$1100.00}
Product: Mortgage

I have refinanced my mortgage and had a closing on XXXX/XXXX/XXXX. My old mortgage was serviced by roundpoint mortgage servicing corp.I had a escrow account with a approximant balance of {$8000.00}. The mortgage was funded on XXXX/XXXX/XXXX .The Property taxes were due in XXXX so the new mortgage company made me pay the property taxes at closing in the amount of {$5900.00}. I contacted Roundpoint and asked them when they would be sending me my escrow money and they said they would be sending me a check for {$2000.00} that was remaining in my account in a few weeks. That was on XXXX/XXXX/XXXX. I asked them about the other {$5900.00} and they said that they paid the taxes with that money. I told them that I already paid the taxes at closing and have called the XXXX county tax office to verify and was told that the only money that they received was from my closing. I have made several attempts to resolve this but I keep getting lied to by roundpoint. They told my on XXXX/XXXX/XXXX that a check was mailed to me on XXXX/XXXX/XXXX for {$2000.00}. I called again today XXXX/XXXX/XXXX and now they say that it was only processed on XXXX and it was mailed on XXXX/XXXX/XXXX. They also said that they do n't know were the rest of my money is and they are investigating it and should have an answer for me by XXXX/XXXX/XXXX. That is {$5900.00}, I told them that if I took that long to make my mortgage payment I would be in foreclosure. I still have not received any money from roundpoint.