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

On XX/XX/2021 I sent Experian a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX. I went directly to XXXX to dispute this item in question XXXX could not verify this item so they deleted it from their database. 

I then went back to XXXX on XX/XX/2021 and showed them the deleted bankruptcy from XXXX informing them that they could not reveal how they truly verified this item then it needs to be deleted according to FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX, XXXX, A Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is reporting incorrect information on my XXXX  and XXXX  report how can the same account show different data last activity on XXXX  is XXXX XXXX times late XX/XX/XXXX XXXX XXXX  last activity XXXX XXXX Late 30/60/90 XXXX Also charge off dates different XXXX And month reviews are different XXXX  XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 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

Equifax should have offered protection without trying to hide a waiver of my ability to pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months I have submitted documents against the credit reporting agencies XXXX, Equifax, and XXXX XXXX. All I get back for a response is the Bankruptcy is valid. I never submitted documentation with my consent to fish for information to add to my credit report. I have filed charges with Nevada State Attorney General for Identity theft.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. This company was rude they discussed my debt and account without verifying my information. XXXX stated that I owe {$8000.00} to someone without my consent and she also called my job numerous times discussing my debt.
Product: Vehicle loan or lease

XXXX loans opened with ford where opened with out my knowledge or consent they have been attached bellow
Product: Mortgage

XXXX XXXX, 2010 CitiMortgage, Inc. recorded a judgment on me in the County Courthouse. I have paid all the money to CitiMortgage , Inc . They refuse to release the judgment from the courthouse. This is stopping me from selling my house. CM tells me the lawyer who recorded has to release. The lawyer tells me CM took the account from them and they have no authority to release.
Product: Mortgage

First, My husband and I had asked our relator to request that the builder we were using pay the closing costs. No offer was ever drafted to the builder and nothing specifically in the Purchase Agreement stated the builder denied the request, so we assumed our request was address and accepted, so we signed it. I know as buyers we should have follow-up with the request, but we assumed that the person we hired and were paying would do what we asked and advise us if the request was denied so we can alter certain things to fit our budget. 
Second, our realtor referred us to the loan officer she uses for most of her clients. We submitted the necessary information regarding the application process and we were pre-approved. Construction began on the property shortly thereafter. Well, 60 days prior to the estimated closing date approached, which was approximately 3 months after the application was completed, we receive a " Worksheet '' of the outlined costs associated with the closing and our monthly payments. The loan amount was wrong for one, so the numbers were completely off and it has us paying all the closing costs. Once we addressed this with our relator, we asked why an offer was never sent, no response was given regarding this, and she advised that she assumed we knew the builder was not going to pay any closing costs, so never professionally told us. The main issue here is we NEVER received a Good Faith Estimate during this process, 12CFR1024.7, which now I see if a federal requirement. My husband and I were not aware we were suppose to receive this document, that is not our job that is the lender 's job. My husband and I spent a month trying to configure numbers to make the agreement work not that we were required to pay ALL closing costs. Well, my husband and I were not able to commit to a loan that was too high and draining our savings account so we had to back out of the Purchase Agreement, losing our {$6000.00} in earnest money. We had no other choice. We do not want to end up in foreclosure.
Product: Checking or savings account

I have an account with regions bank and I am being charged excessive withdrawals fee incorrectly. Whenever I contact them in regards to this, they do not want to credit this back to my account. I have also received discriminating remarks from there staff in the Florida area and North Carolina area. So I would like for this to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've Disputed information TransUnion is showing on my credit report about 5 times now without resolution. I have also contacted the creditor/court as the source for this XXXX XXXX information to verify they are not the source of the inaccuracy. The USBK Court of Maryland has been reporting the correct information all along which XXXX and XXXX have used to update my credit report, however TransUnion continues to fail to display accurate information. Specifically they have report that docket # XXXX has an estimated removal date of XX/XX/XXXX even though the USBK Court of Maryland terminated this case early on XX/XX/XXXX due to creditor fraud on the only outstanding debt in the case court determination and discharge on XX/XX/XXXX. Their court clerk/representative and website ( XXXX ) all have confirmed that the case was completely closed out with final decree issued on XX/XX/XXXX. I have even mailed in the court paperwork to TransUnion but they have continued to leave XX/XX/XXXX as the estimated closure date.
Product: Debt collection

I am writing to formally dispute the charge-off reported by PERPAY INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX which is listed as Profit & Loss on my credit report. I request an immediate investigation and correction of this inaccurate reporting under the Fair Credit Reporting Act ( FCRA ) and any applicable state laws. 
Failure to Validate : If your company is reporting this charge-off, you are required to provide full validation, including a copy of the original signed agreement and complete payment history. 
Violation of FCRA : If this charge-off is unverifiable or inaccurate, it must be removed from my credit report immediately. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  credit card account, XXXX XXXX XXXX  mortgage account, DEPT OF ED / XXXX has violated my rights : 15 USC 1681 Section 602 A Section ( 4 ) States I have the right to privacy. " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. " 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 1666B : A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose. " 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 21 days before the payment due date. ''
Product: Mortgage

I have a mortgage with Ocwen Loan. My payments just keep raising my payments. I asked for a loan modification and was told that I have to be late on my mortgage first. I did what they as asked. Ocwen denied me over and over again.This caused me to be late on my mortgage. I found out later that I could not get a HAMP XXXX DUE TO BEING LATE. Now they are saying they offered me a modifications. What they sent was the payments three times the amount of what I was paying THAT 'S NOT A MODIFICATION. THIS HAS GOING ON TOO LON LONG. My home is a XXXX account. It is a MORTGAGE BACK SECURITY, THE HOME IS NOT SECURED AND THEY ARE THREATENING FORECLOSURE. I just want help. 
Many of my payments did not get reported. They continue to add fees that are astronomical. PLEASE HELP
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, l was charged fees due to lagged posting of charges and credits. This issue aligns with the recent XXXX findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

I received an email message late last night alerting me that my new credit card was being sent. I called XXXX for another reason ( to confirm that a call from them was legit ) and they advised me of the new credit car being sent - and the initial reason provided by a customer service person was that the benefits had changed. When I pressed the issue and asked for a supervisor ( XXXX, extension XXXX ) I was advised that the new card is a switch from an AMEX card to a XXXX card because they have switched programs. They said they sent me a communication on XX/XX/XXXX ( which I never received ) and when I asked for a copy of it they said they were unable to send it to me. I pressed the issue and they just said they were unable to send it to me. It seems that if they are claiming they sent something they should be able to provide me a copy. I checked their online messages ( which I rarely check, so could not have deleted ) and find there is only the message I received last night. I understand them changing programs, but what I do n't understand is not giving consumers adequate notice so other arrangements could be made if it is not what I wanted.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXX XXXX XXXX - XXXX - {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Vehicle loan or lease

After paying US AUTO SALE {$400.00} a month since XX/XX/XXXX. The XXXX XXXX XXXX that was purchased for XXXX equal XXXX, XXXX. I would call the automated system to make the payment. The representative informed that it didn't include the insurance payment. After making a balloon insure payment of {$900.00} I was once again back on track. Asked the company for a pay off on the loan back in XXXX representative said that it was XXXX to pay off the car. I called back again in XXXX asked for a pay off on the same care it was XXXX. I have paid for this car twice and they still came an repossessed the car after I was supposed to be on an deferment. This is the most illegal company I have ever did business with. Please assist the car is still showing as an outstanding balance of XXXX on my credit report after vehicle was sold at auction. Monthly payment on credit report is XXXX which is not the terms agreed a pond and car report for loan listed at XXXX terms also not agreed a pond
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law andcontinued reporting unverified information. Below are the items that are still reporting on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX CXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXT ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTUM OF IDENITY THEFT SOME ONE OPEN ACCONTS IN MY NAME SUNCOAST CREDIT UNION {$1000.00} I SEND A FTC REPORT IN TO XXXX XXXX AND XXXX ABOUT THISS MATTER TWICW THEY HAVE NOT GOTTEN BACK WITH ME NOR REMOVE FROM MY CRDIT FILE. CHILD SUPPORT {$11000.00} CHILS SUPPORT {$35000.00}
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws concerning my credit report. These violations include the failure to verify the accuracy of the information reported, unauthorized use of my personal information, and reporting of inaccurate accounts and inquiries without proper validation or consent.

Specifically, the following issues occurred : Willful Noncompliance : You accepted and reported inaccurate information about me without verifying it, violating FCRA Section 616. This is punishable by civil liability of up to {$1000.00} per violation.

Failure to Disclose Opt-Out Rights : You did not inform me of my right to opt out of sharing personal information as required by FCRA Section 603 ( d ) ( 2 ) ( A ).

Inaccurate and Deceptive Reporting : Several accounts and inquiries were reported inaccurately without proper validation or compliance with Generally Accepted Accounting Principles ( GAAP ), in violation of FCRA Section 623 ( a ) ( 3 ).

Debt Collection Violations : Debt collectors engaged in unfair practices, including contacting third parties and reporting false debts, causing harassment and distress.

Misrepresentation of Payment Status : You reported " late payments '' without clarifying or defining what constitutes lateness, which is misleading.

Unauthorized Hard Inquiries : Several hard inquiries were made on my credit report without my authorization, breaching FCRA Section 1681b ( a ) ( 2 ), which governs permissible purposes for accessing consumer reports.

I have detailed the specific accounts, inquiries, and inaccuracies that need correction or removal. I demand immediate action to address these violations by deleting inaccurate personal information, updating payment statuses to " paid as agreed, never late, '' removing unauthorized hard inquiries, and validating debts under 15 U.S. Code 1692g. Failure to provide sufficient evidence of the debts or permissible purposes for inquiries will require the immediate deletion of the disputed entries. 

If you fail to comply promptly, I will pursue all legal remedies available under the FCRA and other applicable laws. 

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

Dear Experian, I am writing to demand the immediate deletion of the following accounts and inquiries from my credit report due to inaccuracies and Experian 's failure to conduct proper investigations, as highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against your organization ( Consumer Financial Protection Bureau XXXX Experian, XX/XX/XXXX ). 

Accounts to Be Deleted Immediately, Without Further Investigation : XXXX XXXX - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX XXXX  XXXX - Account # : XXXX XXXX XXXX Account XXXX : XXXX XXXXXXXX XXXX  - Account # : XXXX XXXX XXXX - Account XXXX : XXXX XXXX XXXX XXXX  - Account # : XXXX XXXX XXXX XXXX  - Account # : XXXX Inquiries to Be Removed Immediately : XXXXXXXX XXXX - XXXX XXXX - XX/XX/XXXX - Experian XXXX XXXX XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XXXX - XXXX XXXX - XX/XX/XXXX - Experian XXXX XXXX - Auto Dealers, Used XXXX XX/XX/XXXX - Experian XXXX XXXX XXXX XXXX - Auto Financing XXXX XX/XX/XXXX - Experian Violations of My Rights Under the FCRA As detailed in the CFPB lawsuit, Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) by : Conducting XXXX investigations instead of proper reviews of consumer disputes. 
Improperly reinserting inaccurate information without adequate procedures to prevent reoccurrence. 
These failures violate my rights under the FCRA, and I am therefore demanding the immediate removal of the aforementioned accounts and inquiries without further investigation. 

Legal Obligations Under the FCRA, Experian is obligated to ensure the accuracy of consumer reports and to address consumer disputes promptly and effectively. Any further delays or improper handling of this matter will result in escalated complaints to the CFPB and potential legal action. 

Action Required Delete the specified accounts and inquiries immediately. 
Confirm the deletions in writing within XXXX days of receiving this letter, as required by law. 

If this issue is not resolved promptly, I will escalate my complaint to the CFPB and explore legal remedies to address Experian 's violations of my rights. 

Thank you for your immediate attention to this matter.
Product: Debt collection

In XXXX of XXXX I went to the VA with a medical problem that they sent me to XXXX Hospital ER to be seen for what they thought I had a XXXX XXXX. The hospital was to bill the VA for the services they provided. I did not know what happned but the hospital billed me insted. The reason I did not recive any mail as we were homeless and could not recive any mail. When I found about the bill it had gone to collections the, bill was for over XXXX. I then called the hospital to find out why they had billed me and not the VA. They told me that they did'nt know they were to bill them. Then the hospital called the VA, and was told that they that that they were not going to pay the bill as to much time had passed since the time I was seen. The hospital then sent me forms to fill out to see if I could be forgiven on the past bill, so I filled out the forms and sent them back. I did not hear back from them for about 3 weeks, so I called them back this was about mid XX/XX/XXXX. I then learned that they could not do anything becouse it had gone to leagle, and I would have to deal with the collection company. Then on about XX/XX/XXXX I got a letter from the Hospital stating that I could recive services at no cost to me untill XXXX XXXX but not forgive the past bill. I then called the collection Centron Collection Services to try and see what I could do to resolve the bill I had with the hospital. The call started off with them asking for my account number I told them I don't know what it was. so they asked for my name and we went from there. I told them that I wanted to make payments on what I owed for the hospital bill, that is when they wanted to add my wifes bills that I didn't know she had and that I had to pay them also no matter what, and I could not pay just on my amount. So I agreeded to pay XXXX a mounth. But becouse of all the mixups with the hospital and the VA and now collections, it is very hard to go from homeless to home ownership. the VA shouldhave payed the bill no matter how long it has been and the hospital should have billed the VA. This is a on going problem and the VA and they should pay the bill.