23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The company Im having a issue with is Spring EQ over a Home equity line of credit. I have attempted to contact them over 6 times, I have email transcription of all the attempts made and yet no response via email or by telephone has been made to me to resolve the issue. This is is a simple as they come, you have to be a irresponsible or simply incompetent to not being able to resolve this. Upon the disbursement of funds I received 4 checks to pay off creditors, one of those checks came for the incorrect amount. This was after I sent up to date statements and even gave the information to a rep, still the check came in incorrectly. I need a check resubmitted to me for the right amount and the difference be issued to me since the new check is less than the amount originally owed. The escrow company cutting the check has heard NOTHING, Spring EQ has not responded to any of my inquiries. All I want is a correct check issued for the creditor and the difference provided to me! For a consumer to have to go through this is absolutely incredible, Im reporting this because there shouldnt be this disconnect of communication of any funds - specially when it has to do WITH MY HOME! I expect a response from some on about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. 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 reporting

A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute regarding the inaccurate and inconsistent reporting of the XXXX account with account number ending in XXXX. Upon review of my credit report, I have identified multiple discrepancies and possible violations of the XXXX XXXX reporting guidelines. These violations compromise the accuracy of my credit report and are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates the highest standards of accuracy in reporting consumer information. 
Specific XXXX XXXX Noncompliance Violations XXXX. Inconsistent Account Classification The account is reported under varying creditor types across bureaus : " Student Loans, '' " Miscellaneous Finance, '' and " Government Student Loans. '' The XXXX XXXX guidelines require consistent classification across all reporting agencies, especially for a federallybacked student loan.

2. Discrepancy in Dispute Status The " Dispute Status '' field inconsistently reports whether the account is in dispute.

Experian marks the account as " Account Disputed, '' while other bureaus do not. This inconsistency is mislead
ing and fails to comply with FCRA Section 611, which mandates clarity and uniformity across all reported information.

3. Inaccurate Creditor Remarks The remark Subscriber Reports Dispute Resolved - Consumer Disagrees is present on some reports, while similar but varying comments are seen on others. XXXX XXXX standards require uniform remarks if the same dispute status and resolution have been applied across bureaus. This inconsistency is confusing and does not meet XXXX XXXX guidelines. 
XXXX. Inaccurate Late Payment Status Reporting The report indicates " 90 Days Late 7 Times '' without providing specific months and years for each instance. The FCRA and XXXX XXXX guidelines require precise documentation of each late payment instance to ensure the consumer is accurately informed. The vague reporting of lateness without dates is an unacceptable practice and could result in consumer harm due to misinterpretation. 
Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 and 623, credit bureaus and furnishers are required to ensure that all information is " complete and accurate. '' The inaccuracies noted in the XXXX account reporting constitute a clear violation of these requirements and demonstrate potential negligence in the handling of consumer information.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX 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 Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$460.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$810.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXXXXXX Balance : {$140.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$310.00} ; XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXXXXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXXXXXX Balance : {$670.00} ; XXXX XXXXXXXX Balance : {$310.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I disputed a multitude of items on credit report and there not responding there are errors on credit report that should be updated I sent in items of verification in multiple ways mailed manually and via email and online no progress crippling credit score from growing
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft, there are several accounts and inquiries that I didnt authorize or give anyone permission to open in my name.
Product: Debt collection

I HAVE BEEN CONTACTED ONCE AGAIN BY : CENTRAL PORTFOLIO CONTROL XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX, MN XXXX WITH A LETTER DATED XX/XX/19. I HAVE FILLED A FORMAL COMPLAINT AGAINST THEM IN WHICH THEY HAD AGGREED TO A CEASE AND DECIST HOWEVER STILL RECEIVED A LETTER WITH INACCURATE INFORMATION ATTEMPTING TO COLLECT ON A FALSE CLAIM. AS I HAVE STATED NUMEROUS AMOUNTS OF TIMES I DO NOT OWE ANYTHING TO XXXX XXXX XXXX XXXX IN FACT THEY OWE ME FOR HAVING ME PAY FOR MY XXXX XXXX  AND XXXX  XXXX, AND COMPLETELY ROBBING US OF OUR OVERAL SCHOOL XXXX EXPERIENCE. THE LETTER SENT STSTES AN AMOUNT XXXX OF WHICH I DO NOT OWE SINCE I WAS PAYING COMPLETELY OUT OF POCKET TO AN AGENCY WHICH RECEIVED PAYMENTS FROM THE SCHOOL I HAVE ALREADY SENT THEM A LETTER FROM THIS AGENCY XXXX IN WHICH THEY STATE NO MONEY OS OWED AND ACCOUNT HAS BEEN CLOSED. ATTACHED IS THE LETTER FROM A : CURRENT CREDITOR '' XXXX XXXX XXXX XXXX. I DO NOT OWE ANYTHING AND THE PAPERS WHICH THEY SENT SIMPLY DOES NOT STATE WHAT THEY CLAI I OWE IN THIS FALSE ILLEGAL SCAMCLAIM THEY HAVE FABRICATED. FIRST THEY SENT INFO WITH A YEAR I DID NOT GO TO SCHOOL THERE NOW THEY SEND THIS WITH IINFO PERTAINING TO PAYMENT SCHEDULE ETC. IF I HAD NOT PAID XXXX WOULD NOT STSTE ACCOUNT CLOSED NO MONEY OWED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to purchase a home soon which made me review my credit. There are multiple errors on my credit. A collection from XXXX  XXXX is on my report from an account Ive never had. Along with the address that it is attached with. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

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

15 US 1681 Section 602 A : it states a consumer reporting agency can not furnish a account without my written instructions.

15 US 1666B A creditor may not treat a payment on a credit card account under an open end costumer credit plan as late for any purpose.
Product: Checking or savings account

open new checking account XXXX and it showed bank america never resolved claim and took all my money on accounts I closed before 3 years ago and now they have no one to help me and yet they placed all below information on my current account THEY NEVER RESOLVED AND GOT AWAY WITH THESE MY ATTORNEYS INTERESTED IN A LAWSUIT IF NOT CLOSE AND MONEY RETURNED IMMEDATELY HAVE ONLY 5 DAYS BEFORE LAWSUIT.
Current status : Researching Claim - your information was received & we are reviewing Help for Researching Claim - your information was received & we are reviewing layer Claim ID : XXXX Claim amount : {$1800.00} Initiation date : XX/XX/2014 Features Paperless claim documents : Enroll in Paperless claims documents Alerts : Edit Settings for Alerts Claim received stage is completeClaim started stage is completeClaim in research stage is active Claim closed stage is pending
Product: Credit reporting or other personal consumer reports

Equifax, XXXX XXXX and XXXX is showing XXXX late payments on my credit report. I contacted XXXX XXXX about the dates which they can not provide because. my account is in good standards. They can not have any dates of the late payments
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes partly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting my discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. I lost 1XXXX by sending money to the incorrect person and somehow my institution or Zelle deem that not worthy of an investigation completely unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

This my 2nd attempt at resolving this issue, A inquiry at XXXX XXXX XXXX via CREDCO was made on XX/XX/2022 that was not authorized by me. Please remove immediately.
Product: Debt collection

Duplicate entries added to my XXXX credit report. Which double dinged me in the process of getting financing. To begin with this is not my debt. XXXX ( original creditor ) went thru XXXX which was not my account but from a previous employer. I held no financial responsibility just a employee.This matter has been with a lawyer but these debt buyers keep selling off the debt to another whenever documentation presented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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: Student loan

I have been paying on my private loans for 8 years now without ever missing a payment. According to my financial history as provided by XXXX XXXX XXXX, I graduated with {$26000.00} in private student loan debt. To this day I still owe {$25000.00} on my private student loans. According to those numbers I have only paid off less than {$1000.00} on my private loans in 8 years of on time payments. How are they calculating interest on these loans? I am having a very hard time believing that I 've only paid {$990.00} on these loans in 96 months of paying on them. This is clear fraud!!
Product: Credit card

I have several accounts with the same company Concora Credit and I informed the company on several different occasions starting XX/XX/25 that I had enrolled in The XXXX XXXX XXXX XXXX which would be contacting them because I was having a financial hardship and I have signed up with this company who will contact them with a proposal regarding payments to pay off my debt. And they call my home landline could they please stop calling. They call my home phone number 4 to 6 times per day starting at XXXX and throughout the day every day. Ive begged them to stop calling but they wont.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have not been updated since XX/XX/2020. 
1- XXXX XXXX 2- XXXX XXXX XXXX  The balance is incorrect. 

3- XXXX account is being reported to Equifax but not showing on my report. 

I am requesting that the item be removed or updated to reflect the correct the information. 
Enclosed are copies of documentation, supporting my position. Please reinvestigate this matter and delete or correct the disputed items as soon as possible. 

I have exhausted all other options for correcting my credit report, and the CRA still wont fix the error or errors. I am in the process of talking to a consumer law attorney who can me enforce my rights. 

I have the right to sue a CRA that violates my rights under the FCRA, including continuing to report incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX inquiry-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ... ..XXXX   XXXX Inquiry-XX/XX/XXXX, XX/XX/XXXX ... .XXXX XXXX XXXX XXXX inquiry-XX/XX/XXXX , XX/XX/XXXX ... .XXXX XXXX inquiry-XX/XX/XXXX.. contact these creditors and some stated they couldnt find no application from me and the others stated the on application on there file with my info is from XXXX or XXXX nothing with years of XXXX
Product: Credit card or prepaid card

i sent capital one /walmart my payment of XXXX which was due. i sent it on time thru internet. on XX/XX/2020. they receives it on XX/XX/2020. i had a three way calling with cap one, representative XXXX and the XXXX  representative XXXX and myself. The XXXX   representative XXXX told representative ms , XXXX that capital one / walmart received my payment of XXXX on XX/XX/2020. after they look for my payment they finally found it. but now they are charging me a late payment of {$39.00}. I need you to please contact them and ask them to waive and deduct that late payment cause its not my fault they lost my payment, i pay it on time. please help .thank you ... .p.s.. my cap.one / walmart acct : # XXXX.transaction # the received it is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting late payments on 10 student loans and they are in deferment
Product: Credit reporting or other personal consumer reports

File a dispute with XXXX regarding CCS collection account verification in the amount of {$130.00}. On XXXX XXXX. Once the account was verifiedI contacted XXXX XXXX ( the creditor ), and was told the account would be delted from reporting upon full payment of the balance owed within 30 days. 
I paid the amount of {$130.00} in XX/XX/2023. However, didn't recieve the account deletion letter. 
On XXXX XXXX I filed another dispute with XXXX to remove the account as of today XX/XX/2023 it is still under re-investigation.
Product: Debt collection

I have attempted to dispute this collection off of my credit report twice. The second time i mailed a certified letter to XXXX and they received it and signed for it XX/XX/2018. I mailed them a demand letter for verification of debt as well as a request to remove it due to me disputing it and it is not my debt with other documents. Nobody has ever responded to me. I called in on XX/XX/XXXX in regards to why i have not heard anything and why is it still on my credit. I was asked at that time would i like to start a dispute and i told them " NO. '' this has already been a process why start over. An representative decided to go against what i requested and per them ALL CALL ARE MONITORED OR RECORDED. I have also received two letters from XXXX XXXX   executive office stating they do not have any record of debt owed by me to their company. The last letter received from XXXXXXXX XXXX was XX/XX/18 which is 1 of 3.  On XXXX i spoke to XXXX XXXX who advised me she will request a supervisor to call me back within 48 hours, and also made me aware of the dispute being opened XX/XX/18 without my permission and as of today i have heard nothing.
Product: Mortgage

Yesterday XX/XX/2018 at around XXXX XXXX PDT, I received a call from Quicken Loan so they can provide me information about a possible refinance. The employee name who called me was XXXX XXXX. His number is XXXX. XXXX asked me a couple of questions about what my intentions were for the refinance and how does my credit look like. I told him my intentions and told him my 3 credit scores. Then I had to jump to a meeting and told him I will call him back to continue the discussion. About an hour later, quicken loans does an hard pull on my credit report and dropped my score by 3 points. There was permission from me to run my credit and no authorization was given to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 3 credit bureau shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I hope these disputed account are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX