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

XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States. 12 CFR PART 1026.11 ( a ) CREDIT BALANCES. when a credit balance in excess of XXXX dollar is created on a credit account ( through transmittal of funds to a creditor and access of the total balance due on an account, the rebates of unearned finances charges, or insurance premiums, or through amounts, otherwise two or held for the benefits of the consumer ), the creditor shall : 1. Credit the amount of the credit balance to the consumers account. 2. Refund any part of the remaining credit balance within seven business days from receipt of a return request from the consumer. 3. make a good faith effort to refund to the consumer by cash, check or money order or credit to a deposit account of the consumer. Any part of the credit balance remaining in the account for more than six months no further action is required if the consumer current location is not known to the creditor and can not be trace through the consumers last known address or telephone number.

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Product: Credit reporting or other personal consumer reports

I filed a complaint with XXXX XXXX XXXX XXXX about inaccurate reporting with my lease. Their response on XX/XX/XXXX was that they were going to remove all late payments for my account that was paid in full in regards to the lease payments. ( Please see the attached response ) XXXX XXXX has refused to do this instead they reported to the financial bureaus that I was late for XX/XX/XXXX and XX/XX/XXXX. Now, I am listed as XXXX days past due on my credit report. The lease was paid in full and I am in ligation for the end of term bill which XXXX XXXX stated I wouldn't be responsible for. However, that end of term bill has no bearing to my lease payments which were paid on time and in full which was acknowledged in their response. I sent a request to XXXX XXXX directly on XX/XX/XXXX after XXXX XXXX once again reported me lated in accurately. I spoke with XXXX agent number XXXX and Escalations supervisor XXXXXXXX XXXX XXXX XXXXXXXX. They both refused to provide me proof of payment history that my lease was paid in full. The kept saying it wasn't because of the end of term bill which has no basis on my lease payments which are reported to the credit bureaus monthly. This again against the fair credit reporting act, which says all information reported must be accurate and reflect correctly an account status. 

XXXX XXXX has violated their response issued to to the CFPB.
Product: Mortgage

I previously submitted a complaint under complaint ID XXXX and it was subsequently closed by CFPB due to a reply from the company. However, the issue was NOT resolved. 

XXXX XXXX XXXX submitted my 1st Installment XXXX tax payment to the WRONG property PIN. Due to this, I became delinquent on the 1st installment of taxes and was charged by XXXX XXXX {$100.00} due to the delinquency. 

Incorrect PIN : XXXX Correct PIN : XXXX Here is the sequence of events : 1. XX/XX/XXXX- XXXX paid the wrong taxes to the wrong property PIN ( listed above ) 2. XX/XX/XXXX - Taxes reported as delinquent to my lawyer during a sales transaction of the property 3. XX/XX/XXXX - Contacted SLS where they advised that the taxes were paid on the WRONG PIN and that is why they are delinquent - due to SLS 's error 4. Taxes were paid out of closing costs, including a {$100.00} penalty 5. XX/XX/XXXX - Filed 1st complaint to CFPB for the issues and lack of resolution with SLS to get a response from SLS, including a refund on the penalty paid ( {$100.00} ). 

6. XX/XX/XXXX - Received a response from SLS that DID NOT resolve the issue of the penalty I paid out of pocket. It only addressed that they 'requested ' a refund from XXXX XXXX on my behalf. 

7. XX/XX/XXXX - I contacted SLS 's Tax department and they said they couldn't do anything, they transferred me to customer service, they said they couldn't do anything and transferred me to Escrow, escrow told me that they won't do anything for me, and then they transferred me to their Executive Support Team- who said they won't do anything for me because the dispute is closed. He told me I need to write a letter and open a new dispute. I spent a total of 1.5 hours on the phone trying to get a refund for SLS 's mistake. 

At this point, I am at a loss. It can not be this hard- they can clearly see they paid on the wrong property address and can view the interest charge on the correct property address. The loan paperwork has the CORRECT property address. SLS entered the incorrect property address when they did the payment. And now they are refusing to refund me interest payment I was charged and paid. 

To SLS : I understand that under Section 6 of RESPA you are required to acknowledge receipt of my request within 5 business days and take action to resolve my inquiry within 30 business days. Under state law and under the federal Real Estate Settlement Procedures Act ( RESPA ), a mortgage lender is responsible for all penalties and costs due to its failure to use the borrower 's escrow to pay the taxes on the right PIN, in full and on time. 

SLS is responsible for the penalties I incurred for the late tax payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got my credit report it said that someone named XXXX XXXX is using my info since like 2016! I called the company they gave me XXXX and got a hang up! Went online and saw that these people have ripped others off! Think it has something to do with XXXX XXXX and I dont have an account with them nor have I used this name ... .They are ruining my credit!
Product: Credit card or prepaid card

On XX/XX/2021 I purchased two sample-size skin products from one website. There was no mention on this site of a subscription. The next month I saw a subscription charge for these two products on my Citi card ( ending in XXXX ). I immediately notified Citi and had the card cancelled. I then disputed the charge with them and after your intervention, they finally gave me a " conditional '' credit. The two charges were : - XXXX XXXX XXXX XXXX {$87.00} - XXXX XXXX XXXX XXXX {$89.00} There were two separate websites associated with these charges, although neither one was familiar to me. I went to one site and bought samples of both products. The website I went to didn't have any mention of a subscription, though the two websites listed both mentioned the subscription quite clearly. 

Citi has since taken the credit back and said it was my problem. I have never received any product for my money and the phone number listed for the companies don't work. Citi is complicit in this fraud.
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : I am writing this letter because there is an incorrect account on my credit report, so I am sending this letter to the credit bureau. I am a victim of identity theft. 
These accounts are all fraudulent. 
Why are these bad records on my credit report and messing up my credit? 
These incorrect accounts contain information I have no knowledge of. 
Someone applied and used my personal information. I am suffering so much from these incorrect accounts. I did not sign my name, nor did I directly or indirectly authorize anyone else to sign my name. And my credit report also shows incorrect addresses where I don't live. 
Even I currently live in XXXX XXXX. I have never lived in Colorado, But I have so many Colorado addresses on my credit report. 
Please remove these incorrect and wrong accounts and personal information from my credit report. 


-- ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with balance of {$17000.00} - I am the victim of identity theft, and I did not open this account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion regarding their handling of my dispute letter sent on XX/XX/year>, requesting an investigation into inaccurate items on my credit report. The disputed items include accounts from XXXX, XXXX, and a reference to the U.S. Bankruptcy Court with case number XXXX. 

In addition to disputing these accounts, I also raised concerns about incorrect personal information listed on my credit report. To assist TransUnion in verifying my identity and address, I enclosed a copy of my photo ID, social security card, and recent bill with my current address. 

TransUnion responded on XX/XX/year>, indicating that they had received my request but questioned its authenticity, stating that it did not appear to have been sent directly by me or an authorized third party. This response suggests a failure on TransUnion 's part to conduct a reasonable investigation into the disputed items, as required by the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA, credit bureaus are obligated to conduct a reasonable reinvestigation upon receipt of a dispute to determine the accuracy of the information in a consumer 's file. TransUnion 's failure to fulfill this obligation constitutes a violation of my consumer rights. 

Enclosed with this complaint are copies of my dispute letter sent to TransUnion, along with their response, as proof of the correspondence.
Product: Student loan

I am a public servant who has been employed by the same government employer for over 10 years. I have diligently kept track, followed the regulations, and re-certified my employment annually after that became a recommendation. I had to appeal to XXXX at one point to correct my PSLF month count because I was told Mohela wasn't showing my payments. Finally got that corrected and then my loan was transferred back to mohela right before I qualified for forgiveness with 120 months. It has been well over 90 days since I applied on XX/XX/2022 for the finalization of forgiveness. Since then I have contacted them multiple times and get the same " it will take 90 days message. '' My application is not complicated, my employment has been certified for years and my counts are up to date. I am deeply concerned by the number of people complaining that Mohela has had them waiting over 6 months or longer. At the end of the day, Mohela is a government contractor servicing a government program for government employees. PLEASE hold them accountable to the people who are desperately trying to help themselves here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : 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 XXXXXX/XX/XXXX
Product: Debt collection

There is a {$1.00} charge on my credit report. I contacted Health Care Financial XXXX ans was informed they do not have balance of {$1.00} on any of my accounts with them. All accounts were paid off in XX/XX/2016.
Product: Credit reporting or other personal consumer reports

I purchased a vehicle from XXXX XXXX " IN HOUSE ''. I never signed any paperwork allowing XXXX XXXX or XXXX XXXX XXXX XXXX to report this purchase or payments to my credit report. Per U.S. Code 15 1681a 2, I did not give this company written permission to have the account furnished on my credit report. As I stated this was an agreement " In House ''. XXXX has many lawsuits against him. Has many complaints for selling faulty, junk, no good cars. He is a scammer. I paid him on time for about 4 months until the car stated to break down and have major problems. I called him multiple times and he avoided me until I told him I was no longer going to pay him because the car left me stranded on the way to XXXX XXXX and I had to pay for a tow and a rental car. Every time I would fix something, something else would break.Multiple mechanics stated i purchased a lemon. Nonetheless, my contract was in house and was not credit based. I want this removed and I will be taking legal action against this company.
Product: Mortgage

For the last three weeks Ive been trying to get all documents that Im entitled to under RASPA laws.Through emails Ive asked for these documents and XXXX XXXX has repeatedly stated they are on the way.
Product: Credit reporting or other personal consumer reports

I was stunned to find inaccurate accounts on my credit report this morning, and I honestly have no clue how they got there. When I checked my report like I always do, these discrepancies just appeared out of the blue. I even refreshed my browser, hoping it was a simple glitch, but unfortunately, that didnt fix it. The errors stayed, and now XXXX left incredibly worried. Please ensure the documents Ive submitted are thoroughly reviewed so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing requesting that you stop reporting certain things that are on my credit report. There are many debts from companies and I dont know who they are. For some, I did see creditors that I recognize but theres no way that I could have incurred that much debt with those companies. 
Instead of sending a separate letter for each, I am just listing the accounts below. Some of these, I saw are going on my credit report. I hereby request that you stop putting them on my reports. If you insist on doing so, please tell whoever uses my credit that I do not agree with the charges. 
For some of these, I have called to say that I couldnt owe as much as it says, but I dont know how to reach each one by phone. Some I have never gotten any letters for, so I dont even know how valid they are. 
I know that it is illegal to put things on a credit report that shouldnt be there. So please, I request that you tell my credit reports that I do not agree. 
Please remove all items from my credit report which are not belong to me.
Product: Mortgage

My husband has had some very significant health issues during the last few years with XXXX XXXX and XXXX dramatically reducing our household income. I also had to take a considerable amount of time off to tend to his needs. During this time frame we fell behind on our mortgage payments and reached out to PHH Mortgage for assistance. However, instead of helping us, they took us through their loss mitigation process and denied us for mortgage assistance because we were had two car payments. We can not believe that they would turn us down for help without allowing us the opportunity to refinance or pay off our vehicles. We now have a foreclosure sale date on our house scheduled for XX/XX/XXXX and it appears that we will be homeless. We are too old to start our lives over and the house is set up perfectly for my husband. He would be very disorientated if we had to move into an apartment or with family. We have plenty of money to afford a reasonable mortgage payment, but we do not believe we can get PHH Mortgage to treat us fairly. We have never had a single point of contact that we could speak to, as they are never available and are constantly changing. We never understood how we paid our mortgage on time since XXXX and everything was good, but when my husband and I hit a financial blip in the road, PHH Mortgage turned their back on us. Our financial situation has been resolved and we are back on solid financial ground. We should have contacted you sooner to get help in dealing with PHH Mortgage and am hoping it is not too late. We just feel that PHH Mortgage has not followed proper protocol in reviewing our loan and are rushing to foreclosure on us. This is all avoidable as we have sufficient income to afford a reasonable payment and we do qualify for assistance based on our government guidelines.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX Balance : {$23000.00} XXXXXXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

Several Late Payments '' which is a Transaction has been unlawfully showing on my ConsumeXXXX Report since XXXX, 2020. I have made several attempts to have each of the Credit Agencies XXXX, XXXX, and Experian to abide by the Federal Laws and remove all violations and Identity Theft ( s ) I have found within my Consumer report that I the Original Creditor never granted them the right to do. This has caused several years of mental stress and a huge financial burden on me and my family. I have been denied credit for a new home, cars, and other extensions of my credit due to this negligence. According to the Georgia Fair Business Practices Act ( FBPA ). If a business violates the FBPA, it must provide consumer with actual damages. Additionally, if the courts finds that the business intentionally committed a violation of the law, the consumer would be entitled to three times the amount of their actual damages.

Under the Fair Credit Reporting Agencies ( FCRA ) I in Good Faith exercise my right to compensation -If the violator was an individual who lied to get your credit report, or used it for an improper purpose, then the greater of {$1000.00} flat ( no minimum ). Per violation.
Product: Credit reporting or other personal consumer reports

I reported I density theft to TransUnion in regard to a XXXX XXXX account that was fraudulent. TransUnion denied my request and opened a dispute. upon that dispute TransUnion notified me that this fraudulent account was verified. the company then sent me a bill as validation of the debt ... A bill alone is not validation of the debt. 

After I have reported the identity theft and proper documentation that this account is fraudulent Transunion and XXXX XXXX are in clear violation of 15 USC 1681 - 15 USC 1681b and 15 USC 1681 { 2 } { a } { i } I did not give this company clear written consent to report on my consumer credit report as my police report proves
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a private student loan with XXXX that was then transferred to Forster & Garbus. They repeatedly called my home and place of work and then one day I received a later in mail that my paychecks were being garnished. A few years passed and they constantly called and sent letters for inflated amounts owed. I recently started paying them again in fear that they would garnish my wages again. This has been going on since 2010 and is a bit ridiculous at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, today is XX/XX/XXXX I noticed on my credit report there are some inaccurate things on my equifax that shouldn't be there. Maybe they are also on the other credit agencies also I am unsure. I called the company and explained it was fraud a while back and they said they would remove it due to the fact i never signed anything and have no knowledge of the erroneous inquiry 's there talking about. There is a company XXXX XXXX XXXX keeps running my credit score i will give you the dates now. I told them to block my name from there system as it's not me requesting here are the dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am unsure how this keeps happening and I was told by customer service months ago and today this would all be taken care of. I do not believe them. I was told by a friend to come here that you guys fix inaccurate information. I never authorized all those hard inquires. Have no knowledge of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that the negative items listed below be removed from my credit report immediately. The negative items are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX. 

As you may be aware, the Consumer Financial Protection Bureau ( CFPB ) recently suffered a major data breach, which has put consumers ' sensitive financial information at risk. Due to this breach, I have reason to believe that the negative items on my credit report may not be accurate, and I request that they be removed as soon as possible.

I also want to bring to your attention that the continued reporting of these negative items may be in violation of US Code 1681 I, which requires that credit reporting agencies only report information that is accurate and verifiable. Given the potential inaccuracies caused by the CFPB breach, I believe that it is appropriate to remove these negative items from my credit report.

I hope that you will take prompt action to investigate these negative items and remove them from my credit report since they are found to be inaccurate. Please inform me of your findings and any actions taken to correct my credit report. 

Thank you for your attention to this matter.