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

EXPERIAN, XXXX, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


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

I reached out to each of the three credit bureaus by mail to investigate two XXXX accounts on my credit report. The account numbers are XXXX and XXXX. Each of the bureaus stated that they updated or modified the accounts. In particular, I wanted the bureaus to verify the account the history where I observed the discrepancies. As a result, after their investigations, the credit bureaus continued to illustrated different information that is not 100 % accurate. 

For instance, the XXXX account ending in XXXX is reporting 180 days late on XX/XX/XXXX in my XXXX report but is reporting 120 days late for Equifax and XXXX for the same month, XX/XX/XXXX. 

Similarly, the XXXX account ending in XXXX is reporting 180 days late on XX/XX/XXXX in my XXXX report but is reporting 120 days late for Equifax and XXXX for the same month, XX/XX/XXXX. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. ''
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I filed my second direct dispute with this Agency to remove this fraudulent account from my credit report. I have asked for validation of this debt and only received correspondence that this sent was validated. I then proceeded on numberous occasions to request the original documentation with my wet signature proving that I authorized this transaction. This account was also reporting to my XXXX report and I filed a dispute and it was removed.
Product: Mortgage

Upon servicing transfer of the loan to Mr. Cooper, there was an escrow balance of {$1500.00} with the originator. The originator has given me assurances that {$1500.00} was transferred. However, my account at Mr. Cooper shows a balance of {$710.00} at the time of transfer, which is incorrect. The servicing transfer took place on XXXX XXXX and I have spent several hours with Mr. Cooperss customer service on the phone but to no avail.
Product: Credit reporting or other personal consumer reports

I have reached out to Equifax, XXXX, XXXX, CSC Credit Services, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/2023, about the spelling of my name. My name is XXXX XXXX XXXX. I told them to delete any other name that is not mines and they have not. Also address XXXX XXXX XXXX XXXX XXXX Tx XXXX is a non-mailable address and should be removed from all of the credit reporting agencies.
Product: Credit card or prepaid card

My mother is XXXX XXXX XXXX, legally XXXX and lives in another state. I have full power of attorney including financial power of attorney I am missing several key medical expenses that I need as soon as possible to file her tax return. She has a costco citi card. I work full time and am trying to do this at XXXX in the morning before work. My time is very limited. 
I called Citi, was on hold and finally was transferred to a manager -- XXXX employee number XXXX. He refused to help me and REFUSED to transfer me to his manager. 
He insisted that I MAIL the confidential power of attorney for processing. This is a confidential and time sensitive request. I need the medical expense NOW I am FULLY holding CITI responsible for refunding my mother 's taxes because they refuse to provide the information that I have a LEGAL right to in a TIMELY manner. 
Every single financial and consumer business has asked me to email or fax the POA. I am struggling to understand why CITI consistently treats their customers like trash. This is by far the WORST credit card company I have had to deal with. I have NEVER filed a complaint with the CFPB until I had to interact with CITI. I am also requesting that COSTCO sever their relationship with CITI
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX is charging me the full amount as late on my credit report for a leased vehicle that was returned to the dealer on XXXX XXXX, 2016. The dealer had agreed to pay off the vehicle at {$26000.00} and charge me monthly payments of {$250.00} until the agreement on the lease was satisfied. Instead, they are showing me late for {$18000.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) Dear CFPB, I am submitting this formal complaint regarding the mishandling of my disputes concerning the XXXX  XXXX XXXX account ( Account # XXXX ) on my credit report. Despite previous disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, no changes have been made, and the inaccuracies remain unaddressed. 
These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Additionally, my payments were significantly affected during the COVID-19 pandemic, requiring protection under the CARES Act and 15 U.S.C. 1681s-2, which mandates leniency for consumers impacted by national emergencies.

Reasons for Complaint Violations of the Fair Credit Reporting Act ( FCRA ) : Investigation Requirements ( 15 U.S.C. 1681i ) : Equifax failed to conduct a reasonable investigation or provide the necessary description of the investigation process.

Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information on this account was not handled according to permissible purposes and standards.

Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued reporting of inaccurate and derogatory information infringes on my privacy rights.

Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : I have not received the required explanation of the investigation process.

Violations of the Truth in Lending Act ( TILA ) : Disclosure Requirements : Equifax failed to provide accurate disclosures regarding the accounts status, violating TILA regulations.

Federal Consumer Protections ( CARES Act ) : During the COVID-19 pandemic, this account was affected by financial hardships, and protections under the CARES Act were not applied appropriately.

Immediate Action Requested I request the immediate deletion of the inaccurate information regarding the following account : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX High Balance : {$3700.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Consumer disputes- reinvestigation in progress. 
Two-Year Payment History Inaccuracies : Late payments inaccurately reported for XXXX, XXXX, and XXXX in multiple years. 
Attachments : Copies of previous dispute letters ( dated XX/XX/XXXX, and XX/XX/XXXX ). 
Identification and supporting documentation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE HAD SEVERAL ACCOUNTS OPEN NAD USED WITH MY PERSONAL INFO THAT I WAS NOT AWARE OF PEOPLE USING MY PERSONAL INFORMATION TO APPLY AND OPEN ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

See attached. Spoke with Navy Federal, the representative indicated all they need is return tracking information. Provided via fax, but still claiming : " There was not enough supporting documentation or evidence to move forward in the dispute process '' I am unsure what else they want now, other than the return tracking informaiton.
Product: Credit reporting or other personal consumer reports

This account was reported as a charge off and is affecting my score negatively The reporting of this account is incorrect as I see a balance after the charge off. I urged your agency to reinvestigate And provide all the missing information. also, please explain why there is a past due balance While the report shows a charge off? Im pretty sure you know thats a violation, I demand the immediate deletion of this account to ensure that your agency is reporting full and accurate information on my account. Please be aware that I am keeping detailed Records of all correspondence and actions taken throughout this process. Failure to address The mentioned violations Within a specified timeframe would leave me with no choice Proceed with legal action protect my rights as a consumer. I trust that you will Take this matter seriously and hand In a timely and professional manner.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed some accounts was not reporting accurately. I had 4 late payments on one account and 1 late payment on another that i was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. These accounts have not been late on payments I've attached a copy of my reports to this complaint on the following dates ( XXXX XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> ) I'm now requesting you investigate these accounts and update these payments to paid on time immediately. thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already corrected information regarding XXXX XXXX and received fraudulent information stating I opened an account t with a name XXXX XXXX XXXX with XXXX XXXX XXXX which is a blatant lie. REMIVE this now before I sue!!
Product: Credit reporting or other personal consumer reports

I recieved an unauthorized hard inquiry from an institution listed as " CB INDIGO '' on XX/XX/2024. 

I never had anything to do with this company and haven't applied for credit recently. 

I also recieved an email from Indigo Mastercard saying I wasn't approved. 

More info in the email : " Concora Credit Inc. services the Indigo Mastercard Program on behalf of XXXX XXXX, a Utah-Chartered Industrial Bank '' I called XXXX XXXX and XXXX -- numbers that were associated with the company -- they both claimed to be a debt collection company. I told them I never applied for the card and they said it would take XXXX days to investigate and get back to me. 

The same thing happened to two coworkers of mine on the same day and other people are talking about it on XXXX threads. XXXX XXXX XXXX
Product: Credit card or prepaid card

My dad is the owner of a restaurant he accepted cards. So I am the one in charge of the financial with Bank of America so I was watching the batches of friday XX/XX/XXXX of XXXX it appears the Saturday XX/XX/XXXX XXXX it appears to but the one of Sunday XX/XX/XXXX XXXX it does not appear there are some charges of the bank of XXXX and late fee XXXX. And another one so I call the bank and I told them that what happened to the of Sunday that it does not appear in my statement so they tell me that it was a charge from the bank to but my point is why it does not appear on bank statement I want to see it. It was XXXX batch of Sunday XX/XX/XXXX and even argued with them but they dont not solve nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient keeps touching my credit about every 2 weeks and causing my score to continuously drop. Drop allot. They are adding remarks, then removing them. I call and they have no knowledge of this or do not know how to handle it. Or they don't see a record of my calls etc. They are ruining things for me and should not be adding remarks every 2 weeks. Also stating I am in a natural disaster and then calling me, emailing me for payment and have no record of this natural disaster, was never asked about it or to enroll in it. They do as they please with my loans and credit score. I get nowhere calling. They keep losing record of calls and info.
Product: Credit reporting or other personal consumer reports

Law : 15 USC 1666b I am writing in regard to privacy and consent under law : 15 USC 1666b. 
That these late payments be removed off of my credit report. 
There is no law stating that any transaction must be reported as far the acquisitions on my credit report from : XXXX XXXX : last reported XX/XX/XXXX, payment status XXXX days late, opened XX/XX/XXXX, worst payment status XXXX days late XXXX : last reported XXXX XX/XX/XXXX, payment status XXXX days late XXXX XXXX XXXX : last reported XX/XX/XXXX XXXX XXXX status XXXX days late XXXX XXXX : reported XXXX XXXXays ago, payment status XXXX days late
Product: Mortgage

I been working with this company since 2012 for a modification. i kept paying and she kept saying we were good then sale dates were postponed. now we lost the house. And I now have to move and get my things out and still waiting for a answer of what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : FIRSTMARK SERVICES NELNET Inc. D
ear CFPB : There is an account listed as Firstmark Services that does not belong to me on my credit report. Firstmark services is a division of Nelnet.

I had federal loans that where consolidated, Nelnet no longer has servicing rights because the loans are with another servicer. Yet, their is still credit reporting activities going on with Nelnet and the credit agencies. The individuals at Nelnet/Firstmark are conducting illegal student loan collection and credit reporting. 

They said I had a loan with XXXX and I attended the University of XXXX when I got the loan. This is false, I had never had a loan with XXXX. Yet they continue to say I am past due and failed to pay. 

At this time I am consulting with an attorney who is experienced in student loans and credit reporting. I am bringing this to the attention to the CFPB because I believe their is an individual at Nelnet who is engaged in illegal credit reporting activities and collection. 

The CFPB must investigate who is responsible for unfair, deceptive practices at Nelnet Inc. My attorney will be contacting them or a civil law suit may commence against the company.
Product: Credit reporting

The information that my XXXX was included in my bankruptcy is incorrect. We actually reaffirmed our mortgage and have NEVER missed a payment! We are still current on it. Please correct the reporting of this information as it is hindering my ability to refinance my mortgage. This is a direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record that has been mixed or merged with someone elses report showing up on mine, I even have a fraudelent birth year of 1987 showing up. I have tried to fix it with the burueas on several occasion but they claim they veirifed through XXXX XXXX. I reached out to XXXX XXXX and they have sinced removed it ( I have attached proof ). Next I reached out to the courts of Michigan, They returned a letter saying they dont provide the burueas information ( I have attached proof ). Lastly I filed an FTC complaint against the burueas and I have included this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to the XXXX XXXX XXXX Account number XXXX opened on XX/XX/XXXX is factually incorrect. The vehicle regarding this loan was repossessed XXXX of XXXX and resold at an auction leaving a deficiency balance. The account that you are reporting is identified as a repossession. yet you continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file. And discrepancies like this are unacceptable. So please immediately remove this account from my credit file. 
According to the rules and guidelines of the FCRA, monthly should not exist after a repossession has occurred.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act and XXXX Account # XXXX XXXX XXXX, XXXX original creditor name : XXXX XXXX XXXX. For the amount of XXXX. 

Account # XXXX XXXX XXXX XXXX of {$180.00} Has violated my 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

Greetings, In accordance with FCRA my rights has been violated. Please see attached identity theft report.
Product: Credit reporting or other personal consumer reports

I recently received my consumer report and I notice many errors, which is making my report inaccurate! First I would like to start with my current address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX is not accurate and should be removed immediately. See attachment for proof that I sent in letter asking for help in updating my file to reflect true accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

*****SEE ATTACHMENTS****** Hi XXXX XXXX/CRA/CFPB ; My name is XXXX, and for the last 3-4 months I been trying to resolve the accounts below under my consumer rights FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), and under Section 611 ( 5 ) ( A ) ( a ) ( 7 ) of the FCRA, and 15 U.S. Code 1692g - Validation of debts _ U.S. Code _ US Law and both the bank XXXX Bank and credit bureaus have failed to investigate this account. I can not accept a pre-printed templates as a proof of investigation. IF you look at the screenshots below or attached, you will noticed that there are different dates of 1st delinquencies, dates of last reported, dates of last active ( e.g. Date Last Active : TU : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX ), and inconsistent with payment history. 

Listen, if this account was indeed verified or investigated, the account status would being updated, and there werent be multiple inaccuracies still reporting. Due to these inaccuracies and violations, I demand that this account be deleted from my credit report effective today. 

I also called and went into the XXXX Branches and they have different and questionable balance reported. They said that the balance that they have in the system is {$7700.00}, but the credit reporting agencies are reporting {$6100.00}. Again, as you can see, there are wrong balance, inconsistent payment status and history, account status never updated, wrong dates of last active, 1st delinquency, dates of last reported etc. Too many inaccuracies to report>DELETE NOW FROM MY CREDIT REPORT!!!! 

Delete now because I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), and under Section 611 ( 5 ) ( A ) ( a ) ( 7 ) of the FCRA, and 15 U.S. Code 1692g - Validation of debts _ U.S. Code _ US Law
Product: Mortgage

The applicable loan is collateralized by multiple properties. Paragraph 18 states the process for releasing a single property. On multiple occasions over the past month I have requested a payoff statement for the release of one property, specifically, XXXX XXXX XXXX. Representatives of the lender first said that it could not be released, which is clearly incorrect. Next they said that it could be released but send a letter setting requirements or release that are not in accordance with my promissory note. On or about XX/XX/2021, I spoke with a supervisor who, after actually reading the promissory note, told me to ignore the letter and explained that he would expedite it for a correct payoff quote on only the parcel to be released rather than the full loan payoff. On XX/XX/2021, I called back to follow-up. I was connected with another supervisor who said that the first person escalated the matter to the wrong department and so no action had been taken on the request. This new supervisor explained that he was escalating it to the correct department. Unfortunately, I have not way to confirm whether it was done correctly this time or not since each representative or supervisor that I speak with seems to provide a different answer. I need this matter resolved by someone who can review and understand the terms of the note and can provide a payoff to give me the exact calculation of the amount in paragraph 18 ( f ) of the promissory note that is good for at least 30 days. 

I have attached the applicable pages on the note to this complaint. I am happy to provide the whole note, however, the file was too large to upload on this complaint portal.