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

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$200.00} Date Opened XX/XX/XXXXXXXX XXXX
Product: Mortgage

Seterus Inc has been collecting the incorrect amount of escrow for years and last year I received a shortage letter for over {$3000.00}. This is UNACCEPTABLE. So on XXXX XXXX, 2016 I called Seterus regarding the procedure to remove my insurance escrow. When I called, they gave me a number to fax my request to and I sent the fax the same day. Today I called back to check on the status and was informed the fax number I used was for the wrong department. ADDITIONALLY, they informed me that I can not request to only have the insurance removed. I have to ask for the taxes to be removed as well. ANOTHER piece of information that I was not informed of before. To top it off, I asked to speak with a supervisor to expedite my request because I do not want to pay another month of escrow to this company, and the representative said that I could not speak with anyone else and it would be a 30 day turnaround time no matter what. This is unacceptable! I want my ESCROW REMOVED IMMEDIATELY so I do not have to pay any more money into an account that they do not know how to manage.
Product: Debt collection

On XX/XX/2020, I sent a letter to Progressive Management. This collection agency is reporting a medical debt that is not mine. They are also increasing the balance on my credit report every month and this is illegal. I requested signed medical documents for this debt. On XX/XX/2020, they replied that they need me to send a copy of my driver 's license and a copy off a Fraud report. 

As you can see, I ask this company for debt verification and they want my identification?. 
Why will I provide my identification to a collection agency when O am the one asking them to send me signed verification documents for a debt that they are reporting that does not belong to me?. 

On XX/XX/2020 I replied to their letter, I wrote an Affidavit as they requested and to this day, the company has not replied.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries : CITIZENS BANK - XX/XX/2024 XXXX  XXXX XXXX- XX/XX/2024 XXXX. - XX/XX/2024 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one requested a hard inquiry of my credit report on XXXX XXXX that was not authorized or request by me. I tried to contact that company, and they didnt resolved the issue. I lost about 10 points in my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my Natural Born Lawful Right under Federal Law of the Fair Credit Reporting Act, Pursuant to Title XXXX chapter XXXX. to Assign, Demand, and XXXX Any Communication with any individual Company or organization. Compliance and to Act in Good Faith. your Company Must Comply to Federal law. I recently Checked my Credit Profile, and I have found Evidence of Unauthorized accounts. On my credit Profile that is Currently being reported with out my express written Consent From your Company and the Parties that furnished Data to you. It is your companies duty to carry great responsibilities of furnishers information. Pursuant to Title 15 USC Code 1681s-2. it is the furnishers duty to provide accurate and true information on a consumers profile. pursuant to Title 15 USC Code 1681s-2 ( 1 ) ( A ). your company is in Full acknowledgement of errors, and continued to report so I enable identity theft. And damages of {$100000.00} a day Fine for personal information being stolen or used without my express written consent.
Product: Mortgage

My wife and I are XXXX and XXXX, and our only source of income is {$3500.00} a month in Social Security.  We both receive our SS on the third Wednesday of each month which means we receive it on the XXXX at the earliest or the XXXX at the latest. We receive SS on a Federal Debit card and we have to go to the bank to transfer money to our checking account before we can write a check for our mortgage. NewRez appears to start charging a late fee of 5 % on the XXXX of the month. I think this is exorbitant but I can not change when I receive Social Security so I will end up paying an additional 5 % on my mortgage payments over a years time. In just two months with them they say they credited {$81.00} to penalty on my XX/XX/XXXX payment ( an overpayment which should have been credited to my principle ) and charged me {$34.00} late payment on my XX/XX/XXXX payment. What I am seeking is a waiver of any late penalty unless its received after the first of the following month. I pay my mortgage payment every month and have not defaulted in the last five years.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , Inc . ) due to inadequate customer services and unfair practices, which violate the consumer financial Protection Act ( CFPA ). Specifically, Cash app to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, TransUnion, and XXXX for furnishing inaccurate information on my credit reports in violation of 15 U.S.C. 1681s-2. 

XXXX, TransUnion, and XXXX are reporting a charged off debt on my credit reports. However, a charge off is defined by the IRS as canceled debt which must be reported as ordinary income on my taxes using Form 1099-C if the canceled debt amount is {$600.00} or more.

Income does not get reported on consumer credit reports. By inaccurately reporting this charged off debt as a current debt rather than as income, XXXX, TransUnion, and XXXX are knowingly furnishing incorrect information on my credit reports. This is prohibited under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

I have notified XXXX, TransUnion, and XXXX that they are reporting inaccurate information by disputing this account with them. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), after being notified of inaccurate information, a furnisher may not continue to report that information if it is in fact inaccurate. However, XXXX, TransUnion, and XXXX have failed to correct this inaccurate reporting. 

The reporting of this inaccurate information has severely damaged my credit scores, reputation, and ability to obtain credit. XXXX, TransUnion, and XXXX have an obligation under the FCRA to report accurate information, and they have failed in this duty. 

I demand that XXXX, TransUnion, and XXXX immediately delete this inaccurate charge off from my credit reports. They have 10 calendar days to remove this erroneous account. 

The continued inaccurate reporting of this account is a clear violation of XXXX, TransUnion, and XXXX 's responsibilities as furnishers of information under 15 U.S.C. 1681s-2. 

Their negligence in failing to correct this inaccurate reporting after being notified has caused me and my family significant harm. This complaint serves as a final opportunity for them to cure their noncompliance and delete the inaccurate information. 

I swear under penalty of perjury that the information provided in this complaint is true and accurate to the best of my knowledge.
Product: Credit reporting or other personal consumer reports

I have noticed that my records with a particular company contain inaccuracies, seemingly mixed with those of another individual.
Product: Credit card or prepaid card

To my knowledge, I was never late on my Capital One credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX and XX/XX/XXXX and as being 60 days past due in XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount. Like even now my balance is low because I make sure to maintain my credit properly. 

But you can see that XXXX, XXXX, and XXXX are all reporting a different balance which goes to show that something isn't right.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, regarding their failure to accurately update my credit report. On XX/XX/year>, I submitted a dispute to the credit bureaus, requesting the correction of balances on my Department of Education loans serviced by NELNET which was transferred/ sold to XXXX XXXX I received confirmation from both XXXX  and NELNET that the accounts are paid in full and provided supporting documentation during the dispute process. However, on [ XX/XX/year> ], the credit reporting agency XXXX responded, claiming the information was updated AND verified as accurate Yet, upon reviewing my credit report, the balances remain unchanged and are still reflecting the original amounts as if unpaid. This inaccurate reporting is not only misleading but also detrimental to my credit standing. I believe this failure to properly investigate and update my information violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of consumer reports and promptly correct errors after disputes and opens XXXX up to a Consumer Lawsuit in the process for inaccurate reporting. I am requesting the Consumer Financial Protection Bureau in assisting to ensure XXXX fulfills its obligations by : XXXX. Promptly correcting the balances on my accounts to reflect a XXXX balance. XXXX. Conducting a thorough investigation into this matter to ensure compliance with federal regulations. I have attached the following supporting documentation for your review : Confirmation from NELNET of the loan being paid in full. Copies of correspondence and the response from the credit reporting agency. Thank you for your attention to this matter. I trust you will assist in resolving this issue promptly. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I went to the Equifax website to life a credit freeze I had placed on my credit in order to apply for a card. The system said I could not do it and had to call. I called Equifax and they proceeded to say the online system did not work. Fine. Then they asked about a dozen questions - all of which I answered - and then they said - not enough and they could not lift the credit freeze. The question they seemed to have a problem with was Did I EVER have a department store credit card and what was the minimum payment. My last department store credit card was cut up years ago - I do not use them and SO HOW CAN I KNOW the minimum credit payment? I pay off my cards. They are ridiculous! If I answer my questions - they SHOULD LIFE THE FREEZE!!!!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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: Credit reporting or other personal consumer reports

XXXX has failed to fulfil its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX  inaction violates federal law and my rights as a consumer.
Product: Mortgage

I filed a prior complaint ( XXXX ) against Veteran 's United as the company refused to recognize my state issued Veteran 's property tax credit. Only after complaining to CFPB did the company respond and agree to recognize the tax credit.

I have requested to opt of an escrow with the mortgage as I want as little to do with the company as possible after needlessly causing stress and costing me time in dealing with getting the company to recognize a state issues property tax credit.

Veteran 's United states that I have to sign a contract to opt out of the mortgage escrow. I have no issue doing this, but have questioned the need for a cushion/reserve escrow as this provision is required in addition to re instituting an escrow account and the provision is not required by the Real Estate Settlement Procedures Act ( RESPA ). The amount in the contract is the maximum amount allowed under the RESPA for a reserve/cushion escrow on top of the other escrow accouunt.

My wife and I returned a singed copy of the contract only omitting the cushion/reserves provision not required by the RESPA, which would be in addition to the escrow already required if my wife and I did not pay for the property taxes or insurance.

Veteran 's United has rejected this agreement and has cut off communications since that point in time. Nothing has changed as far as Veteran 's United not recognizing the state issued disabled Veteran property tax credit and Veteran 's United is not engaging in good faith to resolve the issue of opting out of the mortgage escrow.

Lastly, the contact with the representative from Veteran 's United has acted rude and condescending to my wife and myself. Any help given would be much appreciated. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows XXXX soft credit inquiries and 9 hard inquiries that I did not authorize. Please remove them in the next 10 days as I did not give you permission to cause damages to my profile. This demand is and will be used for legal purposes as my consumer rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting a violation of my right to privacy and the wrongful use of court records for reporting purposes regarding the following items on my credit files : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account associated with the bankruptcy ) According to the law on reporting consumer information that is housed in City court documents the following data furnishing company XXXX XXXX along with the major credit bureaus - XXXX, Experian and XXXX have violated my rights to privacy by reporting my Bankruptcy on my credit files without my written consent and have wrongfully used those court records by furnishing that information WITHOUT A VALID REASON LISTED under section 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports : a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years Subsection ( b ) states the ONLY REASON MY BANKRUPTCY SHOULD BE FURNISHED IS : b ) Exempted cases The provisions of paragraphs ( 1 ) through ( 5 ) of subsection ( a ) are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more.

By furnishing my court files for credit reporting purposes other than listed above XXXX XXXX and all the credit bureaus they have furnished that information, are all in violation of the law.
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 Account Number : XXXX. XXXX Account Number : XXXX. XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  Reported : XXXX XXXX XXXX {$3000.00} Closed I have an installment loan on my credit report that I dont have any acknowledgment of or didnt apply for I need this deleted or remove soon as possible it is hindering me from growing with possible lenders thanks
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had two late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Credit card

XX/XX/XXXX I opened a credit card with USAA with a promotional offer of no fees if balance transfer or cash advance into a USAA bank account. I did that and incurred a {$9.00} fee. on XX/XX/XXXX I contacted USAA customer service about the fee. I was told to repay the amount which I did and they removed the fee. I was then told that I had to use paper cash advance checks deposit via the mobile app to avoid the fee. The representative then mailed me the checks as I did not have them. On XX/XX/XXXX, I incurred a {$150.00} fee for using paper checks. I then contacted USAA via their chat service and requested a call. I was called back and told that the fee could not be waived. I requested a manager to call me and none did. I called back on XX/XX/XXXX, spoke to three different representatives that told me they would not reverse the fee despite acknowledging they told me that was how to avoid the fee. They then submitted ticket XXXX for investigation and temporarily reversed the fee only to recharge the fee on XX/XX/XXXX.
Product: Student loan

I applied for loan forgiveness via PSLF and under the waiver. I consolidated to direct loans in XX/XX/2022 and submitted my ECFs for XXXX payments made under a prior repayment plan with XXXX. I have been waiting, so called MOHELA ombudsman to see if there was anything missing. The supervisor told me I had to be in an income-driven repayment plan for my counts to be evaluated by dept of ED and my counts updated and made me apply over the phone for IDR. She also made me send in a new ECF for XXXX 2022. I'm already way over XXXX payments and have approved employer. Now I feel like I am starting over and have to reapply at the back of the line, when i applied for the waiver and submitted all my ECFs in XXXX. The waiver information clearly states you can apply for forgiveness if you are on the wrong payment plan. I was on the graduated payment plan after consolidation because I was told it didn't matter.