23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I was notified by my credit monitoring service that I new collection by the name of XXXX XXXX XXXX  had reported a collection account for {$10000.00} on my XXXX and XXXX credit reports. This has caused significant damage on my credit report. The alleged original creditor is XXXX XXXX XXXX XXXX, which was a XXXX School shut down by the federal government in XX/XX/XXXX for several fraud allegations. I attended this school in XX/XX/XXXX, well over 7 years ago.

There would be no reason for me to owe this money to this defunct school, and even if I did it would be over 7 years old and therefore unable to credit report anymore. Either way, any way you look at it, this credit reporting of this purported debt is invalid and a blatant attempt to extort me out of {$10000.00} - as the timing of this credit reporting could not be any more damaging to my credit score.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Access and Privacy Violation of Credit Report Dear Sir/Madam, I am writing to bring to your attention a serious matter regarding the unauthorized access and privacy violation of my credit report. I recently became aware an entity has accessed my credit report without my consent AGAIN. This unauthorized access has raised concerns regarding the security and confidentiality of my personal and financial information. I have documented very severe violations by XXXX XXXX XXXX, which have been disregarded. 

I have taken the necessary steps to review my credit report and have confirmed there is no legitimate permissible purpose for this unauthorized access. Such action is a clear violation of the Fair Credit Reporting Act ( FCRA ) and infringes upon my rights as a consumer to protect the privacy of my credit information.
Product: Mortgage

I am writing to formally lodge a complaint against Guaranteed Rate Inc., specifically regarding their failure to order a VA appraisal in a timely manner, which has resulted in significant financial and personal hardships for my family and me. 

In XX/XX/XXXX, I engaged Guaranteed Rate Inc. to process a mortgage for a new construction home. Despite assurances that all necessary steps would be completed on schedule, the lender failed to order the VA appraisal until two days before the closing date, causing us to miss the closing. This negligence has led to severe repercussions, including : XXXX. As a XXXX veteran, I hired movers to assist with our move. Due to the delay, I am incurring daily charges for storing our household goods on the movers truck. 

XXXX. Our daily living expenses have increased as we are now displaced and lack proper storage for groceries, forcing us to rely heavily on fast food and restaurants. 

XXXX. I must now use public charging solutions for my car, which are XXXX times more expensive than charging at home. 

XXXX. I have taken time off work to manage the move, resulting in wasted days and loss of income. 

XXXX. Appliances scheduled for delivery on XX/XX/XXXX, had to be rescheduled to XX/XX/XXXX ( and will now need to be rescheduled again ), leaving us without a refrigerator or laundry facilities for a week. 

XXXX. This situation has put immense strain on our family, which includes a XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. As this is new construction, builder is assessing us a daily fee of {$320.00} everyday after XX/XX/XXXX ( original close day ) that we havent closed. After XX/XX/XXXX, if we dont close, builder will take $ XXXX in deposit money and cancel home purchase - leaving us XXXX XXXX in the hole. 

Despite multiple attempts to contact XXXX XXXX, the Loan Officer, and XXXX XXXX, the Loan Coordinator, I have received no response to my voicemails seeking an update and resolution. 

The lack of professionalism and failure to adhere to the agreed timeline by Guaranteed Rate Inc. is unacceptable. As a result, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure such negligence does not affect other consumers.

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution. 

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I was denied a credit increase of my XXXX XXXX account and denied a refinance based on an inaccurate 30 day late reporting by CMG mortgage for my XX/XX/2020 payment. I contacted the company on Monday, XX/XX/XXXX, and spoke with XXXX XXXX of the Customer interactions team and explained my situation. She advised she would create a work order for the Research department to update my credit report and email me a letter that my payment was NOT 30 days late XX/XX/2020 and that my loan is in good standing. She advised I would have that letter via email in 3 business days. 

I called CMG on Thursday, XX/XX/XXXX, and spoke with XXXX who is an escalation specialist. She advised the work order is in effect and would be completed by the close of business. She stated there was no email entered into the work order by the previous agent, asked for my email, and stated she was adding it to the work order. She further reiterated I would have the email I need by the close of business. 

Friday, XX/XX/XXXX, I never got the email. I called CMG and spoke to 3 agents and spent almost 2 hours on the phone. My last contact was with XXXX ( XXXX ) who was rude, incompetent, and told me she could only request a supervisor call me in 48 hours. 

I have made several attempts to rectify this issue. This company needs to be investigated. Not only have they incorrectly reported me to the credit bureau on several occasions they also kept me on the COVID forbearance 3 months AFTER I paid the account in full before the ending of the forbearance I requested. I continued to receive calls stating I was on forbearance 3 months after completing the forbearance period which was XXXX, XXXX, and XX/XX/2020.
Product: Credit reporting or other personal consumer reports

XXXX # 1 XXXX XXXX XXXX Date opened XX/XX/year> Charge OFF {$14000.00} EXPERIAN # 1 XXXX XXXX XXXX Date opened XX/XX/year> Charge OFF {$14000.00} XXXX Date opened XX/XX/year> Charge OFF {$14000.00} I called the credit bureaus and sent in debt validation letters, disputing letters, and they told me that I needed to call the company who Im having an issue with. I called XXXX XXXX XXXX they told me that I have to keep it on my credit another year. 
I asked them to please provide copies of the legal notices and proof of the commercially reasonable manner of the subject vehicle. 
They did not provide me with that information within 14 days from receipt of this notice, the alleged claim of a deficiency is to be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

Under 15 U.S. Code 1681c-2 Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Under 15 U.S.C. 1681s-2 ( 8 ) ( E ) Under 15 U.S.C. 1681i ( 5 ) ( A )
Product: Credit reporting

I called Transunion, XXXX, and XXXX to make sure my fraud alert was put on my file, Transunion and XXXX are the XXXX that are giving me the run around and said it was and I asked them about all the inquiries that I had no knowledge of and asked them why they took them off then put them back on again. I was told I had to contact the creditors directly and discuss it with them but all this was taken off and put back on she said by mistake. How is that a mistake?? I have a copy of the police report sent out to all XXXX credit bureaus. XXXX was able to take them off the same day over the phone but I feel like the other XXXX just do n't want to do their jobs.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize not did I authorize
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the inaccurate reporting of student loans on my credit. The name of the account is XXXX XXXX XXXXXXXX XX/XX/year>. As of today, I have not received a satisfactory response or resolution. 
Under the Fair Credit Reporting Act, specifically Sections 605B and 615 ( f ), I request an update on the status of my dispute. If the creditor has not provided verification of the negative information reported, it is your obligation to remove it from my credit report. 
I urge you to fulfill your responsibilities under the FCRA and ensure that my credit report reflects accurate information. Please provide me with the results of your investigation as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts. It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance Owed : {$230.00} XXXX XXXX Balance Owed : {$8500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the bellow accounts that does not belong to me and i want them to be erradicated from my credit report ASAP. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE AN ERROR XXXX, XXXX MISSINGINFORMATION. THIS ACCOUNT WAS NEVER VERIFIED ERROR FRCA XXXX PLEASE DELETE UNRECOGNIZED ACCOUNT.S : 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: Debt collection

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXXXXXX XXXX XXXX is reporting inaccurate information on XXXX XXXX XXXX This status is damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit report. XXXX XXXX  ( Original Creditor : XXXX NAVY FEDERAL CREDIT UNION ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Many many time I called Experian about few error on My Credit Report I explain to them with Phone, Online Dispute and letter, they starting for dispute and aggrege on my Explanation but unfortunately after few day on dispute every back and noting change this is all I had Disputed : 1 ) XXXX Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX I reported this is fraud identity and never apply this credit card 2 ) XXXX XXXX XXXX Account XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) I reported this is fraud identity this is for my ex-wife who used my information and keep stay there for few month more 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I reported wrong because I paid everything on my insurance car after change my insurance to XXXX but still they charge me under Law as soon as change your insurance automatically on system shows when I change my insurance but they said No you have to call us to cancel your insurance 4 ) XXXX XXXX  this is Car loan They repossession my car XXXX XXXX dont send me any letter to inform me they want sale the car after 40 days they sold the car I called them to pay my payment and they said already sold it Under California Law Bank should to give me notice to inform me they want sale the car after that notice they have to wait 60 days to sale the car but they didnt and absolutely this is a illegals ' 5 ) XXXX XXXX  account # XXXX I reported many many time this credit is Business credit and open it under S Corporation and its not my responsibility to pay that
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate and inconsistent credit reporting by XXXX XXXX. The bank has reported erroneous information on my credit reports that has negatively impacted my credit score. Despite my attempts to resolve these issues through direct disputes with XXXX, the discrepancies remain unresolved.

Specifically, the following issues are present on my credit reports : Inconsistent Balances : The reported balances for my XXXX account are inconsistent across all three major credit bureaus ( XXXX, Experian, and XXXX ). These discrepancies are misleading and do not reflect the actual account balances as per my statements. 

Late Payments : XXXX XXXX  has incorrectly reported late payments on my account, even though I have consistently made all payments on time. This is inaccurate information that is affecting my credit standing.

I have already made several attempts to dispute these inaccuracies directly with XXXX XXXX  by [ briefly describe any dispute methods used, e.g., submitting disputes, calling customer service, etc. ]. However, despite these efforts, the errors have not been corrected.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that accurate and consistent information is reported to the credit bureaus. Additionally, I request that XXXX XXXX  be held accountable for their failure to properly correct these inaccuracies and for not resolving the dispute in a timely manner.

Thank you for your attention to this matter. Please feel free to contact me if you need further information or documentation to support my complaint.
Product: Credit reporting or other personal consumer reports

For the past year or 2 I have been fighting with a company called National Credit Systems about a collection on my name that I am not responsible for or connected too. 

For my entire life except for the time I spent out of the state while in the military, I have lived with my parents homes here in Ohio. 

In 2020 I had dealt with a large amount of different cases from, loans & credit cards being opened in my name, & my existed bank accounts & credit/debit cards being used all related to my identity being stolen or leaked online. 

In 2020 around the same timeframe, an individual rented an apartment in my name and didn't pay for it. I have no connection and have no idea who it was who rented this apartment, but it was not me & was a result of identity theft. 

Every single time I try to connect with National Credit Systems, they refuse to provide me with the verification of signature from the lease. 
National credit systems submitted to me a billing statement without any extra information such as lease documents, wet-signature or other info related to this situation. 

After speaking to our family friend who is an attorney, he said to me that " Under federal law, if a wet signature can not be provided by a collection agency, the debt therefore can't be verified & must be deleted due the unverifiable information. '' If National Credit Systems can not provide me with the " wet '' or Ink-Signature used on the documents for this apartment that was rented in my name, as a result of identity theft, I am asking the CFPB to ask them to delete the collection & remove it from all Credit Reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Macy 's in full and they are reporting it as a charge off. I paid it in full once I was notified of the debt. I was making auto payments and was not aware that Macy 's was considering it not being paid. I never stopped making payments and finally received notification that I had to pay the balance in full. Once I received that notification, I paid it in full. They set up this 0 interest and XXXX  payment until such date and it lured me sign up. In hindsight, I should have paid it in full at time of purchase. Now this negative report of " charge off '' is preventing me from getting a loan. I have paid this debt and it should show as paid as full. 
Attached is the final payment. Again, I was making monthly payments the whole time.
Product: Student loan

The services will not let set up auto pay while I have an in school deferment. I would like to make monthly interest payments while I am in school. They said I could make one time  payments or have my bank send monthly payments. The issue is they do not apply the payments correctly. I made a payment which was drafted from my bank account on XXXX/XXXX/XXXX but has not been credited to my account.
Product: Mortgage

We were in XXXX. Upon coming out of it in XXXX XXXX we applied for the HAF and have been approved. We owe {$72000.00} and Georgia XXXX approved and sent {$50000.00} to my mortgage company. Here is my issue. I spoke with Freedom Mortgage at the beginning of XX/XX/XXXX. They told me that if we were approved for the {$50000.00} in HAF funding that the St. of GA required us to pay the balance of approx. {$22000.00}. They said GA is a reinstatement only state. ( I found no documentation of that ). They told me I had to wire the money to them and then it would take a couple of weeks for the funds to be applied to our mortgage balance. Then on XX/XX/XXXX XXXX XXXX ( I have her direct dial # ) called and told me we were approved for the full {$50000.00} and she was sending it to Freedom Mortgage and it might take a few weeks for them to apply it to our acct. I said that was different from what Freedom told me. Which was the St of Ga required to us pay the balance in full ( the money from the HAF and the balance that was left ). XXXX told me she was sending the money and what we did with the balance of what we owed was between me and Freedom Mortgage. I read the documents I signed with the state and the information on the GA HAF website. There is nothing that says Georgia requires the loan to be fully reinstated before they will apply the funds to our mortgage acct. I verified the {$50000.00} posted to my mortgage acct on XX/XX/XXXX. Then on XX/XX/XXXX I spoke with XXXX XXXX at Freedom. I gave them all of this info and she said they would check into it with her mgr.
Product: Credit reporting or other personal consumer reports

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, has violated my rights. 

I looked at my EQUIFAX credit report on XX/XX/scrub> 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, 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, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

i did not authorize any of these inquiries it was application submitted without my knowledge : XXXX XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/2XXXX 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 XX/XX/21 XXXX XXXX XXXX XXXX XX/XX/21 XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/21
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill bits legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian 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 Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting

Experian is reporting a tax lien with incorrect information. I 've called and sent in requests for information to be removed with no help. They continue to report inaccurate information which has hurt my personal life moving forward. I have been denied credit and or rental requests due to this inaccurate information. They need to reveal the verification they 've done or remove asap.