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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this because of Non-Compliance of credit bureau to complete investigation. I sent off letters to have account investigated that are incorrect and they came back as verified accounts. No way these accounts have been investigated if they were then all the information reported would match on my credit reports. How is the same data furniture reporting different across all the reports?
Product: Mortgage

Fay servicing has confusingly admitted they received and processed an insurance proceeds check, but then also stated they have not received the check. They have then asked for additional information, claimed they released the check, then circled back with another document request. We have had this check reissued XXXX separate times, and at this point Fay servicing is just acting in bad faith failing to release insurance checks to my company for hurricane damage.
Product: Debt collection

I spoke with a XXXX ( XXXX?, would not provide last name ) of Transworld Systems Inc. on XX/XX/2022 from approximately XXXX XXXX. to XXXX XXXX. The purpose of my call was to confirm their mailing address. She provided a mailing address in Delaware. There are two mailing addresses on the notice neither of which are in Delaware ( both in PA ). Consequently, either TSI XXXX XXXX is intentionally sending misleading/insufficient/illegal notices to debtors or is misleading callers to send disputes to the wrong address such that the debtor waives their rights and the presumed debt becomes valid. I have not attached documentation due to HIPAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CALLED EQUIFAX FOR WEEKS NOW RECARDING A LATE PAYMENT BEING POSTED TO AN ACCOUNT THAT HAS BEEN CLOSED SINCE XXXX. THEY SAY THEY ARE NOT SHOWING ANY LATE PAYMENTS REPORTS THIS YEAR ; SPOKE WITH THE MORTAGAGE COMPANY, WHICH THEY GAVE ME A LETTER STATING ACCOUNT CLOSED AND NOT REPORTING ANY LATE PAYMENTS. IM TRYING TO BUY A HOUSE AND THIS IS STOPPING ME FROM DOING SO, ITS INACCURIATE INFO. 

ACCOUNT IS XXXX OPENED IN XXXX AND CLOSED IN XXXX SHOULD NOT BE REPORTING ANY ACTIVITY OR LATE PAYMENTS. NEED TAKEN OFF ASAP, PLEASE!
Product: Payday loan

Counterfeit checks were deposited into my checking account. I was told that I was approved for a loan and that they were going to deposit the money into my account, well money was deposited and I used the money to pay other bills, but soon found out that the checks that were deposited were counterfeit and I was charged for the money I spent plus fees for the returned checks. I am currently overdrawn by {$1100.00} and my bank account is frozen while my bank investigates. The loan company was ACE cash Express. This company also has the nerve to leave me threatening voicemail messages that I need to start paying back my " loan ''. I now have to open a new account and change all of my billing information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, THE WF CDR SVC ACCOUNT IS FRAUDULENT AND NOT MINE, THE CHARGES AND THE LATE NEGATIVE REPORTING IS ALSO FRAUDULENT AND NOT MINE. PLEASE UNDERSTAND MY REQUEST AND REMOVE THIS FRAUDULENT ITEM FROM MY CREDIT RPEORT, PROFILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE CONCERNING INACCURACIES IN THE ( SANTANDER ) ACCOUNT THAT'S ON ALL 3 OF MY CREDIT REPORTS ( XXXX, XXXX, AND XXXX ). THEY ARE REPORTING A BALANCE OF {$6100.00}. AFTER GOING OVER THE BREAK DOWN OF WHAT ( SANTANDER ) SENT TO ( CFPB ) ALL 3 CRA 'S AND ME I NOTICED THEY ADDED {$1300.00} TO THE {$4800.00} CHARGED OFF BALANCE. IT SAYS FOR AUCTION FEES, STORAGE, ETC ETC ... I WAS NEVER NOTIFIED ABOUT ANY AUCTION AND BY GEORGIA LAW I SHOULD HAVE BEEN NOTIFIED BY ( MAIL, PHONE, OR EMAIL ). THEY NEVER COMPLIED WITH EITH NOTICE REQUIREMENTS OF MY RIGHT TO CURE OR OF THE SALE OF THE VEHICLE.
Product: Consumer Loan

I went up there to look at a XXXX with my nephew. He is in the XXXX XXXX and I did n't want him XXXX over by dealerships around his XXXX. Without any credit yet they said he needed a co-signer in order to get it. I repeatedly asked the salesperson, XXXX, if I co-signed would it show up on my credit due to me planning on buying a car this week. She repeatedly said it would n't unless I took over the loan. I agreed to co-sign. I asked the finance person repeatedly the same thing. She also said it would n't show on my credit report. Went to buy my car today and was turned down due to already having a car loan. Went back to dealership and the finance person denied that I even asked even though I have XXXX witnesses that were in there. These people will lie to anyone in order to make a deal.
Product: Checking or savings account

My account was stolen on XX/XX/year> in XXXX was took out of my account my information was deleted by whom ever did it so I reported fraud same day so they told me to make new account and would I like to receive my refund to new account I said yes that's in agreement they made so on XX/XX/year> I was refunded XXXX but they still put back on account that was stolen in my information was no longer in account but the agreement was to refund to new account And refused to help or explain when I have all the proof information provided that identify me Or to do what was offered and requested in that's unacceptable and unsatisfied when I have rent do I have all the emails screenshots and id everything need it but they wouldn't listen or bother to help when I'm trying to explain I'm not happy with the service at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many accounts reporting that I was late on the account and never was. I have tried time and time again with the companys and I have had no success. They are all false reports on my credit and I need help getting them removed. 
XXXX  XXXX XXXX  last 4 of account XXXX was late on XXXX, XXXX and XXXX of XXXX. I was not XXXX XXXX XXXX  of account XXXX was late on XXXX, XXXX, XXXX, XX/XX/XXXX. I was not late. 
XXXX XXXX XXXX account XXXX was lat on XXXX, XXXX, XX/XX/XXXX. I was not XXXX XXXX XXXX  account XXXX was late on XXXX, XXXX and XXXX are all false XXXX  XXXX auto loan account of XXXX was late on XXXX, XXXX and XXXX of XXXX was false Department of education account unkown was late on XXXX, XXXX, XXXX and XXXX of XXXX is false as well Also many hard inquires were filed and need to be removed that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX card XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX card XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, 4, 30 day lates appear against my credit report, with transunion, XXXX  and XXXX  which is inaccurate. All payments are due within the same month to prevent 30 day lates from appearing. 

Once payments are made, proof of payment email is provided. All showing payments made within same month, and not 30 days late. 

Their decision to report is very inconsistent. And unfair to consumers. 

Payments for XX/XX/XXXX was made in XXXX. XXXX payment was made in XXXX. The same for XXXX and XX/XX/XXXX. I have attempted to resolve with the organization however continue to receive the runaround. One person said email my concerns. I did, another said fax. Another said no, you have to mail. Ive done all 3 now and have had no resolve. I have offered to share proof of payments Ive received from their automated system after a payment is made to show its within the 30 days/same month. 

For example XX/XX/XXXX payment was made XX/XX/XXXX. How is this a 30 day late? 

This is heavily affecting my credit and preventing me from purchasing a new home. I ask that they review what I have received from them showing my payments are made within the same month. When you pay your mortgage the next month that is when the 30 day is charged against you. That is not the case in my situation.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Mortgage

To whom it may concern, When the COVID-19 pandemic happened, I had applied for forbearance with my current lender, Dovenmuehle, and was told I would be receiving paperwork in the mail to sign. I received the paperwork, but I decided not to go through with it and never sent them the signed paperwork. I found out in XXXX that the forbearance was still applied to my loan ( when I never signed the paperwork ). This affected the credit of my parents ( who are co-signers ) and I. My parents are trying to refinance their home, but their loan can not be processed further until an opt out letter from Dovenmuehle is received. 
I contacted Dovenmuehle on XX/XX/2020 to send me the opt out letter of proof that I am no longer on forbearance, current with my payments, and do not owe any back payments. They sent a response on XX/XX/2020 stating they will respond in timely manner as " required by law ''. I've made more than ten calls between XXXX through XXXX, but the only response I received is that the letter has been sent out ''. I had also sent another follow up email on XX/XX/2020. Finally, around XX/XX/2020, they admitted that they made a mistake and the correct opt out letter was not sent and will be sending it out soon. Ive made two follow up calls on XX/XX/2020 and XX/XX/2020 requesting the opt out letter ( again ) to be mailed and emailed this time. The letter still has not been received and today is XX/XX/2020. It has been over two months of waiting. 

I attached my communication with them and proof of my current mortgage payments. 

Thank you for your help, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, this is not a third party filing this notice. There is an account being furnished on my consumer report that is inaccurate. Please remove it immediately. See attached ;
Product: Mortgage

I am writing today in regards to my account with Santander Bank NA Account # XXXX the reason for writing is because a late payment is being reported in XX/XX/2020. I am sure you are aware of the pandemic which has hit and has impacted me in that month. I got this account current once I was able to. I also addressed this issue previously and thought they had resolved this matter which they have not.
Product: Checking or savings account

On XX-XX 2017 there was a fraudulent charge made to my Chase acct! For {$97.00}. I filed a fraudulent claim the money was returned! I received a email from Chase saying THEY 'RE reversing the funds and putting them back on my account!! I called and asked why and they said the company has submitted proof the charge was mine! This is impossible I did not order anything from this company!! 
My bank said it was a free for pay! I do n't know what that is, but I live in SSI and ca n't afford such things! And I do have some credit cards, if I was going to order a {$97.00} item, I would have put it on my credit card, and not my Chase credit card either! Why would I put it on my debit card knowing it would overdraw my acct Majorly! Instead of on my other credit cards so I could pay it in payments!! I called the company and they said they do watches! I did n't receive a watch! I am desperate, I looked up the company online and they are a home business associated with Morgan Chase! Plz help me! I borrowed the money to put in the bank, help!!
Product: Student loan

My student loans were recently transferred from XXXX XXXX to a company called Nelnet. Upon registering for this new loan service provider, I was taken to my 'account page '. Here is where my current contact info ( transferred from XXXX ), loan balances, and new monthly payment ( to start in XXXX ) were displayed. My new monthly loan payment being much higher than my last payment with absolutely no breakdown or explanation as to how Nelnet came up with this payment was the first red flag. Secondly, there is no history of previous payments on the loans that are now being carried by Nelnet. I went to the XXXX site and logged into my account there- no history of payments, communications, uploaded documents, etc were able to be found as they have been removed. This feels highly suspicious to me. Removing all documentation from the previous 5 years of payments from the XXXX site, and there being no record of transfer of that documentation to Nelnet seems, at least, unacceptable and, at most, predatory. I have reached out to both sites and have requested this be rectified or I will not be making payment on my student loans. I understand that CFPB is not at fault here, but it should be noted that this is a very sensitive time for student borrowers and actions like these do not instill confidence that student borrowers are not being taken advantage of. If you need any documentation from me, I am more than happy to provide everything I have and am willing to speak to whomever has questions for me.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered an inaccuracy in my personal information from Equifax that requires immediate attention and correction. Specifically, the ITIN listed is incorrect : XXXX. The correct ITIN should be XXXX. This error violates the FCRA, which requires maximum possible accuracy under 15 USC 1681e ( b ). I demand immediate correction of my credit report to reflect the accurate information. Failure to act promptly will be considered willful non-compliance under FCRA, making your agency liable for damages under 15 USC 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 30 days ago, I wrote to your company indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays dat XX/XX/2022 Experian has not responded/ replied/ answered to my dispute and therefore must update from my credit file. 

XXXX XXXX XXXXXXXX XXXX Under the Fair Credit Reporting Act, your bureau was to have completed/ finished its reinvestigation of the disputed information within 30 days. I am requesting/ seeking/ demanding your assistance in the verification of the disputed data from my credit report. Kindly send to my address provided above an updated credit report as proof that this/ these have been updated. 

I'd appreciate it if you could update or correct this reporting account as soon as possible. If you don't comply with the request, the account should be repaired right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are reporting incorrectly that I am ( 120 180 ) days  late on XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

XXXX XXXX XXXX XXXX Attorney 's for XXXX  have foreclosed on my home they provided No notice that they were debt collectors, no notice that I had a right to dispute the debt No copies of the requested details of the debt. They committed fraud upon the court by affirming that tall the information provided was true and it was not. They never served my ex husband who has not lived with me since XX/XX/2003 they affirm the bank has the mortgage documents yet another Law Firm for XXXX  " XXXX  '' affirms that they lost the Note. This is just two instances of the numerous counts of fraud they have committed and affirmed to in documents to the Court
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus a letter on XX/XX/2022 certified tracking # XXXX # XXXX # XXXX asking them to verify and investigate the items on my credit report and I was told everything was correct and my updated credit reports to still shows inaccuracy. The credit bureaus stated my account was properly investigated but how is that possible if its still not accurate. This is grounds for removal 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. It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) Reporting information with actual knowledge of errors 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

On XX/XX/XXXX I was hit by an ATM scam at Bank of America. Someone looked like they were in a bad situation and made me cash a fake check to send them the amount. 
I noticed this before sending them the funds and reported to Bank of America that the check XXXX have been fake, which it was. No money was spent. 
But there has been a block on my account since then, even though the agent said I would be fine. I can not open an account anywhere now and I really need to for work. Please help. 

I called Bank of America XXXX and they told me to take it up with XXXX. But XXXX said take it up with Bank of America. I'm at a loss.
Product: Credit reporting or other personal consumer reports

I recently checked a copy of my credit report nad notice that there were fraudulent accounts on my report. Please remove this fraudelents account from my credit report as they are affecting my ability to obtain credit. thanks
Product: Debt collection

This Debt Collection Company Central Portfolio Control has been sending automated calls repeatedly every day. I told them that the debt was not mine but they do not listen nor give me any response. The balance is ony {$440.00} why would I such money to someting I do not owe.
Product: Credit reporting or other personal consumer reports

I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit report
Product: Debt collection

Fair Collections & Outsourcing This company blatantly disregarded valid disputes that I submitted to their company. They only care about getting paid and not researching the inaccuracies I pointed out. I was treated rudely and this company does not care about the victims they collect upon in any capacity. 

This company is collecting on a Apartment Lease that I have pointed out several flaws in the original contract and sent them a letter requesting that they investigate on XX/XX/2021, till this date I have yet to see any response and I even called them and they confirmed that they received the letter. Yet I still can not get approved for my mortgage without their company falsely pursuiting a debt that should not have been owed in the first place. They took my Security Deposit away from me under false pretense that I broke the lease. I followed the contract requirements for the complex to its entirety and then they default my security deposit and charge me additionally? If this collection company did any research they would see I am a victim here.
Product: Debt collection

I found a negative collection report on my credit report by SCA in XXXX because I applied for a mortgage loan. I disputed the collection because I never received a bill or notification of the bill from SGA. XXXX was handling my credit report for the bank and they submitted a dispute on my behalf to the credit bureaus. I was informed by the lender that the negative report was removed and I got the loan. I was unaware that it was only removed from XXXX XXXX. So, in XX/XX/XXXX, I applied for a loan and found out that the SCA collection is still on my credit report at XXXX and XXXX. I submitted a dispute with XXXX  because the bank used XXXX  for my application. XXXX  responded and let me know that SCA did not want to remove it because they said, it was a valid charge. I contacted my insurance company ( XXXX ) to validate the charge, but they did not have any information about the charge in their system from XXXX. 

Last week, I filed a dispute with both XXXX  and XXXX based on the same fact that I don't know about this collection from SCA and I have not received a bill for it and I can't verify the information.

I called SCA today, XX/XX/XXXX and spoke to XXXX. After explaining the situation to her, I offered to pay the amount to resolve the matter. I requested from XXXX to kindly submit a deletion certificate of the collection from my credit report after I pay. She said, she couldn't. I requested for a supervisor to call me to see if she can assist me. XXXX XXXX, ext XXXX is the supervisor that called me back. I explained the situation to her too and offered to pay the amount in full, and requested for it to be removed from the other 2 bureaus, based on the fact that I was notified I owe the money and I can't verify it with my insurance company. She told me that is not a valid reason. She added that, the reason that it was removed from XXXX XXXX could be, because they have a different policy in regards to deleting paid collection, but she could not submit a certificate of deletion request to XXXX or XXXX. I told Ms. XXXX XXXX that since I did not receive a notification of the money owed from them, it was grounds to delete it from my record if I paid for it. She however, did not agree with me. I paid the bill ( {$300.00} ) in full and informed Ms. XXXX XXXX that I will file a complain with CFPB ( your office ) and she asked me to go ahead,