23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 

BRIDGECREST CREDIT C Account Number : XXXX If furnisher is unable to provide the original contract and consumer credit application bearing my wet ink signature, I demand this account be DELETE FROM MY CONSUMER REPORT IMMEDIATELY! 

Pursuant to the FCRA & the FDCPA I respectfully request to be provided proof of this alleged item, specifically the ORIGINAL contract and application, note or other instrument bearing my WET INK signature. Failing that, the item must be deleted from the report as soon as possible. 

This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. THIS ACCOUNT IS EXTREMELY DAMAGING TO MY REPUTATION AND HAS COST ME STRESS AND OPPORTUNITIES! 

Under federal law, you have thirty ( 30 ) days to complete your investigation or I WILL FILE FOR LITIGATION in federal court!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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 XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate personal information on my credit report from Experian. The addresses listed '' XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, '' " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX, '' and " XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX '' are not associated with my residence. The inclusion of these incorrect addresses is negatively impacting my credit profile. I request that these inaccuracies be removed and that my report be updated with the correct information. Please investigate this issue and correct it in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

Complaint Regarding Violation of 15 U.S.C. 1681b ( e ) ( 6 ) To Whom It May Concern, I am filing this complaint regarding inaccurate and unverifiable information on my consumer reports and the failure of XXXX to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( e ) ( 6 ). Details of the Issue : 1. I submitted a dispute to all three major consumer reporting agencies XXXX, XXXX, and Experian regarding inaccurate and unverifiable information on my consumer report. 2. XXXX, XXXX and Experian failed and left conflicting information on my consumer reports. 3. Under 15 U.S.C. 1681b ( e ) ( 6 ), CRAs are required to maintain a joint notification system to ensure maximum possible accuracy and consistency in consumer reporting. Their failure to update or verify this information demonstrates a lack of reasonable procedures to ensure compliance with this obligation. Harm Experienced : The conflicting information on my consumer reports has caused confusion and resulted in financial harm on multiple occasions from being denied loans as well as missed employment opportunities, and denial of credit, as creditors rely on inaccurate reports when making decisions. Relief Requested : 1. I request that XXXX, XXXX, Experian investigate the discrepancies on my consumer reports, verify the information, and update or delete any unverifiable or inaccurate data. 2. I ask for CFPB oversight to ensure that XXXX, XXXX and Experian comply with the FCRA and maintain reasonable procedures to ensure a joint notification system as required under 15 U.S.C. 1681b ( e ) ( 6 ). 3. I seek confirmation of corrective actions taken and assurance that they will implement measures to prevent such inconsistencies in the future. I trust the CFPB will address this matter promptly to protect my rights as a consumer under the FCRA. Thank you for your attention to this issue.
Product: Debt collection

When I was reviewing my credit report, I saw that the experian credit report had a derogatory status report from XXXX XXXX  XXXX  XXXX  {$1400.00}, i had servise but it was payed by my health insurance company. This is something else wich i am not recognized which was from XXXX XXXX i called creditors and i did dispute with Experian , that account not was mine, but i could not get result, wich was satisfactory for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2022 to XX/XX/2022, Citibank has reported an account past due to all XXXX credit bureaus. Citibank has collected their payment on my bank account, and an in-person payment in-store at Macys. Upon contacting them, they offered to provide a refund which never happened. I proceeded to call my bank and dispute the transaction. Citibank then decided to report my account not paid following this without providing a refund and without notifying me of that even tho I paid them. Around XX/XX/2022, someone helped me identity the account being reported as late on my credit report. I contacted Citibank and make a full payment yet even tho they were already paid so they can fix their reporting. Up until now, no refund was provided and yet they ruined my credit with their false late payment as a tool of extortion. 

Macys and Citibank have put together to discriminate against me due to my race and my XXXX of speaking clearly. At one point, Macys and Citibank have defrauded me, then they are causing difficulties in obtaining any financial products.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX are all reporting my bankruptcy on my credit reports. Per uscourts.gov, bankruptcy courts do not report to any credit reporting agency. I have not provided any permissible purpose written, unwritten, verbal and/or non-verbal consent to any of the credit reporting agencies to report the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and there are several accounts opened by the person who stole my identity. The following accounts a result of my identity being stolen. 
XXXX XXXX Opened XX/XX/XXXX {$9200.00} stolen XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1400.00} Stolen BANKRUPTCY XXXX XXXX-DISCHARGE Filed XX/XX/XXXX I have verified with all these companies that these accounts do not belong to me and they're going to send a letter to remove these accounts in " 4-6 week ''. It has been more than the time frame they've given to me yet these accounts are still reporting to me. The representatives at Experian, XXXX, and XXXX neglect deletion of these accounts even with valid documents requested by them. They even neglect deletion using the Fair Credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX C ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX BANK XXXX XXXX XXXX, and XXXX BANK XXXX XXXX Account # Unknown ) 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 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
Product: Checking or savings account

Chase does not offer any form of two-step verification for its regular checking and savings accounts. This leaves my money exposed to identity theft and fraud. A simple texted code to my phone is what my other banks and accounts are doing. One gave me an actual " token '' for my key ring with a code that changes every 60 seconds. I will be leaving Chase bank.
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 1681.2. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , has violated my rights.

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.

15 USC 1681 Section 602 A. States I have a right to privacy 15 USC 1681 Section 604 A. Section 2 States a consumer reporting agent can not furnish my account without my written instructions 15 USC 1681c. ( a ) ( 5 ) States that no consumer reporting agency may make any consumer report containing any of the following items of information : any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer repo
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below : XXXX XXXX XXXX XXXX : Account number : XXXX, Wrong account. Investigate, delete or fix date of last payments. 

XXXX : Account number : XXXX, Wrong account. Investigate, delete or fix date of last payments. 

XXXX XXXX : Account number : XXXX, Wrong account. Investigate, delete or fix date of last payments. 

XXXX XXXX  : Account number : XXXX, Wrong account. Investigate, delete or fix date of last payments. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

Navient Is reporting XXXX loans on my credit report. XXXX of which have the same account number XX/XX/XXXX XXXX XXXX balance at {$5300.00} and XXXX at {$3700.00} XX/XX/XXXX XXXX has a balance of {$2100.00} XX/XX/XXXX XXXX has a balance of {$940.00}. 
I am trying to buy a house and the mortgage company shows XXXX loan reports on my account with a payment of {$130.00} per loan. Its only XXXX payment for the whole totaled loan of {$12000.00}. So the mortgage companies see it as me paying XXXX $ per loan adding up to XXXX $ total. This throws off my debt to income ratio and messes up my mortgage rates. This needs to be fixed as Im only making one payment. Or it should break down the payment to reflect each loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX and XXXX XXXX Account # 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.
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX for Care Credit is reporting inaccurate information on my credit file. They are reporting a late for XX/XX/XXXX & XX/XX/XXXX. I don't recall getting any statements or these months. I've had this account for a very long time, and always make my payments on time. I am requesting as a one time courtesy to remove these lates off my credit report.
Product: Credit reporting or other personal consumer reports

I've been a victim of XXXX XXXX. My information was exposed to the public in the XXXX data breach, and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed ASAP.
Product: Debt collection

UNIFUND CCR LLC. 
I was told by UNIFUND paying agency XXXX XXXX XXXX that once I settled the debt, it would be reported as settled in full. However, a few days after paying the settlement, Unifund CCR reported a balance of XXXX to the credit bureau agency. When I contacted UNIFUND, they explained that it was their standard practice to hold XXXX and report to the credit agencies the hold payment as debt until it's cleared from the bank. I mentioned that I had not been informed about holding money during previous calls. When I asked XXXX XXXX from UNIFUND CCR LCC, when this would be reported to the credit bureau agency as settled in full, she said it would take two months. However, UNIFUND CCR LLC took only a few days to report to the credit agency that I owed them XXXX, which I did not owe per the settled agreement. This caused my credit score to drop within a few days. I believe this behavior is unethical.
Product: Debt collection

on XX/XX/2021, Jefferson Capital Systems LLC called me from a spoofed telephone number. They called from XXXX. They have called repeated times from an XXXX area code but their offices are in XXXX XXXX, MN. I previously told them not to call me again when they called from an 800 number and I've sent them a verification letter which also stated for them not to contact me. I have several blocked calls from them because them using the XXXX area code. I have not lived in this area for nearly 5 years.
Product: Mortgage

My entire experience with Ocwen loan has been extremely difficult. They have returned payments once I fell more than 60 day behind and they advised my bank that it was returned due to an invalid account number. I have been misinformed countless times by reps. My biggest issue is the violation of the Fair Credit Reporting Act. XX/XX/2016 I wired Ocwen {$3700.00} to bring my loan current. I was advised by numerous reps that my credit bureau report will be updated. One rep informing me it would be done immediately. Since XX/XX/XXXX I have checked my credit with XXXX XXXX, XXXX XXXX Free Credit Checked as well as ran free reports from all XXXX Bureaus. My credit has not been updated since XX/XX/XXXX and since XX/XX/XXXX with XXXX. I have disputed this with all bureaus and I have made numerous attempts to resolve this with Ocwen. My last attempts have been with their Escalations Department where they claim my Credit Bureau report was updated XX/XX/2016
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information that continues to appear on my credit report. Despite multiple attempts to resolve this matter, including sending previous dispute letters to the credit bureaus, I have yet to receive satisfactory feedback or resolution. 

The personal information in question are not mine, and I request that you remove these erroneous items from my credit report immediately. I have already sent the necessary documentation, including a copy of my ID/DL and proof of address, through XXXX to verify my identity. The information on those documents matches only my personal details, and the disputed accounts are not associated with me. 

Please take immediate action to correct this issue. I expect this matter to be resolved promptly and will appreciate confirmation once the inaccurate information has been removed. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did an investigation online on XX/XX/XXXX and today is XX/XX/XXXX and the representatives are still having trouble logging me in to myequifax.com the reset password link they try to send never works or gets blocked. As of today XX/XX/2020 I have a new case number which is XXXX. Please unlock or unblock my access to view my information online. they changed my email address back to XXXX then I received an email from my other email address from XXXX that it has been changed to XXXX which is wrong email I can share a screenshot.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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: Mortgage

Nationstar/Mr. Cooper bought out our mortgage from XXXX, which was refinanced under the Harp program. After checking with our county treasurer, they found we still owed {$490.00} on our current taxes, which they said were delinquent. Then they paid off that tax and the new taxes, which were not yet due, the total amount being {$1200.00}. We never had an escrow account after living in our home over 25 years from any mortgage lender, including XXXX which was taken over by Nationstar. We immediately paid off the {$1200.00}, to XXXX out the escrow shortage. Our outstanding mortgage amount is under {$52000.00}. Our home equity appraisal from Mr. Cooper is {$190000.00}. My wife and I own our single family condominium together. We both have an over 800 credit score, very little debt, and our joint income is over {$100000.00}. Our net worth is over {$500000.00}. Mr. Cooper is forcing us to have an escrow account, and fund it with over {$3000.00}. In addition, they will raise our monthly mortgage payment from $ XXXX/mo. to $ XXXX/mo. I appealed 3 times to waive the forced escrow, and each time was denied. I now have to look for a new loan, and incur new costs, as well as lose the Harp program. We feel this is unethical, and immoral, and want to warn others about Nationstar/Mr. Cooper and the way they do business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies Equifax and XXXX are refusing to remove an old account ( XXXX XXXX } that's over 7 years old from my credit file. I have disputed this with no results. When I try to dispute again my request is refused.
Product: Mortgage

I pay XXXX XXXX and XXXX mortgage my mortgage company sent XXXX and XXXX back they kept XXXX only because I spoke up about my escrow about me still paying for something that I have already paid off XXXX and XXXX now theyre threatening me and forcing me to sign something for them and I dont sign theyre planning not planning but going to file foreclosure on me ASAP I sending in documents and escrow statements showing that I paid and sent it back I filed a claim XX/XX/XXXXXXXX  did not get to show this information before it closed they still have my XXXX payment look where I written on it