23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The problem I have was n't listed, so I choose what I thought to be the closest. My account was paid up, XXXX balance. I made the mistake of not deleting Wells Fargo from my payment calendar and on XX/XX/XXXX made a XXXX payment. When I realized the account had been paid off, I called my credit union to stop the payment but it had already been sent to Wells Fargo. I called Wells Fargo and they said they had n't received it but when they did, it would be credited back to my credit union account, in 5-10 days. On XX/XX/XXXX I still had n't received a credit to my credit union account, so I called WF again and spoke to XXXX in cust service. She said on the day I initally called, they had system problems and the transaction had not been processed and she would submit again. Check would be mailed, account not credited, in 7-10 days, by XX/XX/XXXX. On XX/XX/XXXX I called WF again because I had not received a check. I was told it had not been completely processed but as soon as it happened, the check would be mailed. I asked the man when the processing would be complete and he said he could n't give me a time frame. On XX/XX/XXXX I called again and asked to speak with a supervisor. I was connected to XXXX. He said a check for XXXX was sent to me on XX/XX/XXXX. I told him I never received a check and had no idea where the extra XXXX came from. He said an affidavit would be sent out in the next three days fo me to sign, saying I had n't received a check. Upon sending affidavit back, a check would be issued in 7-10 days. Address was confirmed. Today, XX/XX/XXXX, I called back since I have n't received anything. Asked for a manager and was connected to XXXX. He said no affidavit would be issues for anything under XXXX and that a check had been sent to me and cashed on XX/XX/XXXX for XXXX. He said there was nothing he could do since there was a check cashed and he could n't verify I had n't cashed it. I went back to look at all my deposits from XX/XX/XXXX though today and there is n't a deposit for XXXX, XXXX or from anything other than my pension, SS, deposits from my kids when I babysit my grandkids or when I transfer to checking from savings account. He insinuated I could have cashed the check, for cash and just 'forgot '. I told him if I had done that, I certainly would n't be going through all this for XXXX and informed him I was going to file with FTC. He then connected me to the Executive Office. I spoke with XXXX who has created a case with their investigation dept. Case # XXXX. Agents name is XXXX XXXX. She is suppose to contact me in 4-5 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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

Secured Credit Card bank name : XXXX XXXXXXXX XXXX XXXX  ORIGINAL STARTING BALANCE ( INCORRECT/NOT POSSIBLE - READ MESSAGE BELOW ) {$22.00} THIS DROPPED MY XXXX CREDIT REPORT BY ALMOST XXXX POINTS SECOND BALANCE REPORTED ( INCORRECT/NOT POSSIBLE ) {$170.00} THIS DROPPED MY XXXX CREDIT REPORT AGAIN BY ALMOST XXXX POINTS THESE TWO BALANCES WERE REPORTED TO XXXX  BY XXXX XXXX AND XXXX XXXX XXXX WITHIN LESS THAN 2 WEEKS APART CAUSING SEVERE DAMAGES TO MY CREDIT SCORE NOT ONLY ARE THEY REPORTING THESE FALSE BALANCES TO XXXX, THEY'RE ALSO REPORTING IT TO EQUIFAX AND XXXX HERE IS A MESSAGE I SENT XXXXXXXX XXXX  VIA LIVE CHAT : I'm having serious issues with the credit card builder and it's reporting practices to credit bureaus. XXXX  has been making errors in its reports claiming that I have a balance on my account, which is impossible since I have safe credit building on and with that any balance every month is automatically taken out of my XXXX account. This issue has caused my credit score to drop over XXXX points in two weeks. I am very XXXX off, unhappy. This is totally unprofessional and reckless and my credit information is being manipulated and XXXX is making false reports and amounts which is illegal under the Fair Credit Reporting Act. This needs to be addressed as soon as possible by the escalation team. If it isn't I'm going to report this information to XXXX reviews, XXXX reviews, XXXXXXXX XXXX  app reviews, going to make a complaint to XXXX  and going to contact the agency that handles the FCRA. You are causing me damages by destroying and lowering my credit score with false reports and information. 


WHAT THEY ARE REPORTING AND THIS FALSE INFORMATION IS ILLEGAL AND IS CAUSING ME PERSONAL LOSSES AND DAMAGES
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, DC XXXX **Subject : ** Formal Complaint Against XXXX and Equifax for Violating FCRA ( 15 U.S. Code 1681i ) **Relevant Legislation : ** **TITLE 15 Chapter 41** 1681s2. Responsibilities of Furnishers of Information to Consumer Reporting Agencies I am writing to formally lodge a complaint against XXXX and Equifax for violating the Fair Credit Reporting Act. 

Both agencies have failed to fulfill their legal obligations, particularly concerning the accuracy of the information they report to my consumer report.

My specific concerns include : Under the 15USC1681s2.

1. **Duty to Provide Accurate Information** : - Furnishers are PROHIBITED from reporting information they know to be inaccurate and must not report after being informed of errors.

2. **Duty to Correct and Update Information** : - Agencies must ensure that the information they provide is both complete and accurate.

3. **Duties Upon Notice of Dispute** : - They are required to investigate disputes thoroughly, review all relevant data, and report their findings to the consumer reporting agency. IF INACCURACIES ARE FOUND, THEY MUST INFORM ALL OTHER AGENCIES THAT RECEIVED THE INFORMATION. 

I have provided physical proof related to account XXXX, showing this account was investigated by XXXX, after the investigation was completed the account was deleted from the consumer report.It is particularly concerning that the same source has removed this account from XXXX but continues to report it to XXXX and Equifax, indicating a significant inconsistency in the information provided which further support its inaccuracy. 

Additionally, I have previously reached out to both agencies regarding this issue, but my concerns have not been adequately addressed. This lack of responsiveness raises further questions about their compliance with the Fair Credit Reporting Act. 

I respectfully request that the CFPB investigate this matter to ensure that XXXX and Equifax adhere to the Fair Credit Reporting Act and rectify any inaccuracies in my credit report. 

Thank you for your prompt attention to this important issue. I look forward to your swift response.
Product: Mortgage

My husband and I bought a home with XXXX XXXX Loans in XXXX-XXXX  this year. That loan was sold to Amerihome Morgage Company before we had even made our first mortgage payment in XXXX. When it was purchased our previous lender, XXXX XXXX Loans, sent us a digital copy of the disclosure of sale since we had not moved into our new home yet and didnt have access to the mail. I detached the temporary payment coupon that was attached to the bottom of the notice and mailed it, along with a physical check, as directed, to Amerihome. 

Our check cleared our checking account on XXXX XXXX, cashed by Amerihome as indicated by the photocopy of the front and back of the check in my checking account. 

A couple of days later I went to see if I could make some sort of online account with Amerihome so that I could make sure the payment posted and so that I could see our loan information. When I went to make an account I had some issues and called in to Amerihome for assistance. They were able to find my loan but apparently the loan number that was on our notice was different than the loan number that Amerihome had assigned internally. I also sent the check to the address listed on the notice, which I was also informed was incorrect - it was Amerihomes corporate office not the payments department. While on the phone with Amerihome I asked if this would affect our first payment and was told not to worry about it, these things happen when loans are sold, and that under RESPA we had 60 days for it to all get straightened out and that it would just take a little time but that it would make its way to our account. A couple of weeks later I saw that it had still not posted to our account so I called again to check on the status and was told to send an email with a copy of the front and back of the check showing it was deposited. I sent that and a copy of the disclosure letter and received an email back again telling me about RESPA and that it was just taking time to get from the corporate address to the billing department. Meanwhile I paid our XXXX payment online, no problems. 

I checked again in mid XXXX and noticed that our first payment still hadnt posted to our account so I sent another email following up to check on the status. This time I received an email back stating that Amerihome never deposited this check. 

Sensing that this was going to be an issue I went ahead and paid our account so that it was up to date with money from our savings and have since been trying to locate this money. I have spoke with numerous Amerihome representatives some of whom told me that there was just nothing I could do and that the money was gone, another resubmitted my payment dispute, and another who told me that the money had been transferred to the payments department from corporate but just hadnt been applied but it should be done by XXXX XXXX. I checked our account XXXX XXXX, the money still hasnt been applied nor have we received any sort of refund so I called again, spoke with 3 different people, and the conclusion I got was that the check had never been found despite my provided evidence to the contrary.
Product: Mortgage

To whom it may concern, My mortgage with Mr Cooper was in forbearance. By now I exited the program and made up on all payments that were missed totaling {$13000.00} I'm currently applying for a new mortgage loan and I need a letter from Mr. Cooper confirming that all mortgage payments are up to date and that my loan is no longer in deferment. 

I tried calling Mr cooper several times but I'm not being successful in getting this letter
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX Balanced {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score XXXX value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was already paid off as part of a debt settlement. They I sent them proof of payoff through a debt settlement and they said they would look into it and call me and never do. They just continue to keep harassing me over the bill that I already paid
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am disputed this account which was originally owned by XXXX XXXX the original creditor. This loan was paid off in full. Once the location was closed I start receiving letters from the new company XXXX XXXX that informed me I owed a debt. I informed them that the account had already been paid and please fix it. Months later I see that XXXX XXXX the collection agency had acquired the account and is negatively reporting this on my credit report. I have asked that the validation of debt be received twice and have not received an response. According to the FCRA they have violated my rights and are damaging my credit file by reporting inaccurate and untruthful information.
Product: Credit reporting, credit repair services, 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. 

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 DEPTEDXXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Credit reporting or other personal consumer reports

I recently did an investigation on my consumer report which caused severe XXXX upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct and I did not give the credit reporting agencies written consent for these accounts to report to my consumer report pursuant 15 USC 1681b. Without my consent this is reporting fraudulently. The credit reporting agencies is committing FRAUD!!! Please remove these fraud accounts and fraud inquiries from my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax are reporting a closed collections account as still open, which is resulting in a derogatory mark on my credit score. I had an account with XXXX XXXX XXXX which was placed for collection on XX/XX/XXXX for the amount of {$79.00}. This account was paid in full and closed on XX/XX/XXXX. When the account was paid, XXXX XXXX XXXX contacted XXXX  and Equifax twice a month for three months requesting they close and remove the collections account from my credit report. I also disputed the account status with XXXX  and Equifax myself. While XXXX  and Equifax both show the account balance as XXXX ( and even have a closure date of XX/XX/XXXX on the account ), they still have not closed or removed the account as requested both by me and the collection agency, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX forced me to pay {$170.00} to remove a XXXX  off my credit profile on a insuance policy that was cancelled... i paid the XXXX  off in full so please update to paid and full or delete from my credit report the recietps are attached
Product: Student loan

On XX/XX/2018 I paid off my loan to the collection agency XXXX XXXX XXXX for the servicer XXXX, but I can't get any information on the status of my student loan. XXXX 's Log In is disabled on their site, I can't view my SAR on FAFSA,  my loan status is outdated at NSLDS. It only shows an old balance and old interest and all the loans in default. I can't find any updated status on my student loan.
Product: Money transfer, virtual currency, or money service

Over the past year, I have been arguing with Select Portfolio Servicing, Inc. ( SPS ) about an unauthorized transfer from my account and the missing remaining balance in my account. 
Despite the difficulty of the pandemic, I allowed SPS the time and provided all the information they need to investigate the issue. An affidavit of Unauthorized Endorsement or Altered Item was submitted on XXXX XXXX, XXXX and a police report was submitted on XXXX XXXX, XXXX. 

Recently on XX/XX/XXXX, SPS had called me saying that they have finished processing the unauthorized transaction, and recovered my balance. So there is a credit in my account of {$4500.00}, which matches with my overpaid amount to the account. I'm expecting my credit in the closed account to be sent back to me ASAP. 
However, on XXXX XXXX, XXXX, they refused to wire the remaining balance to my bank account, and tole me they will still use the method of mailing a check back to my address. I urged them to use signature required mail service or tracked mail service, and the representative from SPS Ombudsman department, named XXXX, promised that they will send out the check and give me the tracking information within 2 business days. 

On XXXX XXXX, XXXX, I called SPS Ombudsman department again, the representative named XXXX offered no updates or help, and refused to confirm my account information, quote " I can not confirm anything, sir, we are researching here and waiting for response. '' As a financial servicing company, the representative can not confirm whether my money is in my account, nor can they confirm whether a transaction of a check has been issued or not. This is NOT ACCEPTABLE. 

I worry that they will illegally hold on to my balance in the mortgage account for indefinite amount of time because now I can not access my account with my credentials, as they mentioned the account has been paid in full and closed a year ago. And the response from the customer representative is not professional at all about the next steps on how to transfer my mortgage account credit back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021, I have had XXXX collection accounts removed from my credit report because of a company error. Although the collection accounts have been removed, I do not see an increase with my credit score. I would like to know why my score has not increased since the removal of the negative accounts.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize nor benefit from the following account ( S ). Block and Remove.
Product: Debt collection

XXXXXXXX XXXX XXXX I sent out communication through the CFPB to dispute the inaccuracies on my credit report, The credit agencies claimed that the item was validated by the debt furnisher as accurate. I have found multiple inaccuracies. I have reached out on multiple occasions about the issues reporting inaccurate. Not only are violating my right to privacy by reporting these inaccuracies and didn't get written permission to provide. According to FRCA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. This never occurred during or after 30 plus day investigation by debt furnisher. Now because of violations either provide {$1000.00} for every violation or deletion from credit report immediately.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint for Reporting Inaccurate Late Payments Violation of Consumer Rights Dear XXXX, XXXX, and TransUnion, I am writing to formally dispute and express my serious concerns regarding inaccurate late payment reporting on my XXXX credit card account, which was opened on XX/XX/. Despite disputing this account twice, neither XXXX nor the credit reporting agencies have provided any legitimate documentation showing that the alleged late payment is valid. 

According to the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate reporting, and I have specifically requested proof substantiating that the alleged late payment was truly late. Unfortunately, the billing statements you have provided are insufficient evidence to support this claim in accordance with established case law, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In that case, billing statements were found to be inadequate in proving late payments.

Moreover, the continued reporting of this inaccurate late payment may be in violation of the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). The refusal to provide sufficient documentation could be seen as a deceptive and unfair business practice, subjecting XXXX and the credit reporting agencies involved to legal consequences. 

In light of the above, I strongly urge XXXX, XXXX, and TransUnion to take immediate action by removing the incorrect late payment from my account. Should this matter not be rectified promptly, I will have no choice but to escalate this complaint to the FDIC and pursue further legal action to protect my rights. 

I trust that you will investigate this issue thoroughly and address this erroneous reporting in compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing Fraudulent Credit Inquiries Inquiries : XXXX XXXX  XXXX Inquiry date : XX/XX/2022 XXXX XXXX Inquiry date : XX/XX/2022