23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX, Opened XXXX XXXX has violated my rights by reporting an inaccurate late payment. This was also during the XXXX pandemic. And should be removed not only because of the violation of FCRA privacy and consumer laws, but also because of the CARES ACT provisions for consumers. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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.
Product: Mortgage

My wife and I received a letter in the mail dated XXXX XXXX, 2016, from XXXX Mortgage stating that the servicing of our mortgage had been " assigned, sold, or transferred to Lakeview Loan Servicing, LLC, '' and that we " will be receiving a letter with [ our ] new loan number and instructions for making [ our ] payments from the new servicer. '' We waited, as instructed in XXXX 's letter, for instructions and a new loan number from Lakeview Loan Servicing, LLC, but, it is now XXXX XXXX, and we have still not received a letter from the new servicer. I tried calling Lakeview Loan Servicing, LLC, twice this morning, but I ca n't reach anyone there. The second time I called, I was on hold for over thirty minutes and their phone system hung up on me. 

I tried to set up an account online on their website in order to create an automatic recurring payment, but I need my new loan number from them to do that, and I ca n't get my new loan number until they send me something in the mail or I can reach them by phone. It 's like they do n't want our money. 

We just want to make our payment on time. It is incredibly frustrating to wait and wait and never hear from our new servicing company, and then when we need to reach them, we ca n't even get them on the phone. It 's disappointing that, as consumers, we have no say in who services our mortgage, and we are stuck with any company our loan servicing is sold to, for up to 30 years, regardless of the new servicer 's customer service record, without our consent.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : account name and account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Bank ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX  XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  XXXX  XXXX ( Bank ) XXXX. XXXX, XXXX  These hard inquiries need to be removed they are fraudulent and according to 15 U.S.C. 1681 b. These can only be used by permissable purpose. I've tried to remove these before to no avail. Please see to it that these are removed thank you.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax concerning their failure to address the inaccuracies on my credit report and incorrect personal information, despite my efforts to rectify the situation. 

On XX/XX/year>, I mailed a dispute letter to Equifax requesting an investigation into inaccurate items on my credit report and disputing incorrect personal information. These inaccuracies and incorrect personal details have adversely affected my financial standing and credibility. 

Despite my efforts to comply with the Fair Credit Reporting Act ( FCRA ) guidelines and provide all necessary information, Equifax has failed to acknowledge or act upon my dispute within the legally mandated timeframe. I did not receive a response back from Equifax with the investigation results. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 


I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, Equifax 's failure to respond appropriately has caused unwarranted stress and financial implications for me. 

I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel Equifax to conduct a thorough investigation into the disputed items and incorrect personal information on my credit report and to take necessary corrective action as per the FCRA guidelines. 

Enclosed with this complaint is a copy of the dispute letter sent to Equifax and proof of mailing.
Product: Mortgage

I have made a qualified written request recently to my bank and they failed to audit my loan. In response to my written request they stopped taking the mortgage payment via their " bill payer '' automatic payment system then wrote and told me the payment is due XX/XX/XXXX. It was paid today but I have no idea why they stopped taking the payment on their autopay system. I have asked Fifth Third Bank to audit my first mortgage and other old accounts but, they wo n't. My current mortgage account is still being over charged by at least XXXX per month and they admit they overcharged my account XXXX but they wo n't explain why they took XXXX from my bank without my consent in XXXX or why they overcharged me XXXX. The problem is they wo n't refund anything nor will they explain why I am paying to much each month. I know this will l happen again and I ca n't tolerate this equity skimming any longer. I have never missed my XXXX monthly mortgage payment yet, when I try to resolve it on my own, I get treated with disrespect. Please help, I am a senior citizen and I need my mortgage corrected at once.
Product: Checking or savings account

Citizens Bank subjectively decided to place a XXXX day hold on my business checking account ( Account # : XXXX ) for my business : XXXX XXXX even after the check being cleared and cashing the check and won't release my funds until XX/XX/23. Please assist me to resolve.
Product: Mortgage

In XX/XX/XXXX, I paid my monthly mortgage payment at the XXXX, Illinois XXXX XXXX Fifth Third Bank. I received notification in XXXX that my XXXX payment was considered missing. I proved to Fifth Third by sharing copies of my cancelled check that was processed by them that the XXXX payment was indeed made on time. In XX/XX/XXXX, I received an official letter from Fifth Third that my payment had been found and applied. I was also assured that they would reverse the reporting to the credit card bureau. In XXXX of XXXX, I was again informed that the XX/XX/XXXX payment has not been applied. When I went in person to the XXXX branch in XXXX after numerous attempts by me to resolve the issue over the phone, I was also informed that my XX/XX/XXXX payment had not been applied. Again, I proved via cancelled check that Fifth Third had received their payment. After MANY MONTHS of trying to resolve the problem, I was informed that Fifth Third had applied my payment to a Credit card account that has been closed for approximately seven years. 

During this process, Fifth Third has reported my account to the credit card bureau that I am delinquent on two payments on a monthly basis. They have also reported a major deficiency to my credit without a reason given. My credit score has been singly destroyed by Fifth Thirds mistakes and unwillingness to help a fifteen year customer resolve the mistakes that the bank has admitted to making. I have attempted via phone, email, personal visits to the bank to resolve these issues to no avail. Fifth Third has not shown interest in trying to help truly solve this matter.
Product: Credit card

The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, hereby authorize Trans Union reporting XXXX to remove the specified fraudulent creditors and inquiries under the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S Code 1681s-2 on my behalf. 

Dear Trans Union Credit Bureau, I urgently bring to your attention the discrepancies in my credit report. Alongside my complaints filed with the FTC and CFPB, I urge the bureaus to impartially address these inaccuracies. The unauthorized access by certain creditors necessitates the immediate deletion of the following : 1. Collections- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  opened fraudulently ) XXXX. XXXX XXXX XXXX {$6100.00} ( identity theft ) XXXX. XXXX Account XXXX XXXXXXXX ( fraudulently opened ) Inquiries for removal : 1. XX/XX/XXXX Company : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX As someone of XXXX identity, I seek fair and unbiased treatment in this matter. I await your prompt resolution in compliance with regulatory standards. 

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

I sent letters to all 3 credit bureaus on XX/XX/21 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 45 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this online complaint myself, and to inform you that I am not connected to any Credit Repair companies or any of its like that deals with credit repair process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by the 3 Credit Bureaus. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, the 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : CAPITAL ONE Date of inquiry XX/XX/XXXX CAPITAL ONE Date of inquiry XX/XX/XXXX CAPITAL ONE Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address theinaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on JPMCB CARD XXXX Balance -. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Mortgage

I was surprised to receive notice of my mortgage increase for the second time in eight months. I called Ditech about the reason for the increase and was not convinced about the explanations given. Ditech failed to hear my concern and what I had to say. Our loan is a fixed interest loan with monthly Escrow ( of property tax and insurance ) included. Since there was no significant increase in our county tax or property insurance, such increase can not be justified. 

To confirm my suspicion, I exported the information from Ditech Annual Escrow Account Disclosure, the yearly evaluation of the escrow statement at my online account at Ditech.com. When I looked at the numbers from XX/XX/XXXXuntilXX/XX/XXXXin a spreadsheet, I noticed the discrepancies which prove my point about Ditechs uncalled increase. Clearly, the increase of {$45.00} on XX/XX/XXXX, and again onXX/XX/XXXX for {$42.00} can not be justified according to Ditech 's own escrow calculations. 

I emailed Ditech with my findings but did not receive any explanations.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the months of XXXX and XXXX I have disputed online and mailed in disputes by Certified Letters. I have been disputing the inaccuracies found on my report and I keep getting the same generic messages that this account has been verified. I have never received proof, or sources used on how these accounts have been verified. I have alot of inaccurate information on my credit report. I have a bankruptcy on my Experian report but on my XXXX it was removed. I have 7 collections on my Experian report but XXXX removed the same collections. So how are the same collections and Bankruptcy being removed from another credit report agency because of an inaccuracy but Experian states that these items in question have been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 hard inquiries that I did not authorise on my transunion credit report. Both of them are from XXXX and they are inquired on XX/XX/XXXX and XX/XX/2019. One of the inquires I found out provided a phone number which is not mine. The number is XXXX. I have now deleted that number from my transunion account. I called transunion on XX/XX/2019 about this and they asked me to call XXXX for letter of deletion, but XXXX can not provide me with the letter since I dont have an account with them. Transunion told me they can not dispute those 2 hard inquiries without the letter.
Product: Credit reporting or other personal consumer reports

I had been struggling with Identity Theft for over a year, so I contacted XXXX XXXX to help me. They set-up an Escrow Account & contacted all my Creditors & started paying off some of my debts after negotiating new terms with them. This was really taking a long time, so I decided to refinance my house to finish off paying these debts. XXXX XXXX XXXX  contacted XXXX XXXX to get the negotiated terms with the Creditors & after closing on my Mortgage, XXXX XXXX XXXX paid off most of my debt. XXXX XXXX had been paying XXXX XXXX  for XXXX time & the balance was down to {$6600.00} which was paid to XXXX XXXX with Check Number XXXX dated XX/XX/XXXX & cashed on XX/XX/XXXX. On XX/XX/XXXX I received my updated Credit Reports. Much to my dismay, my XXXX report showed that XXXX XXXX was still reporting my account ( closed on XX/XX/XXXX ) as Delinquent with a Balance Due of {$8400.00} past due. My XXXX Credit Card XXXX XXXX XXXX XXXX had an {$8000.00} XXXX XXXX which I never requested increased. So when my Balance showed {$16000.00}, I called XXXX XXXX  XXXX asked them how my {$8000.00} Credit Limit Credit Card got to {$16000.00} & they couldn't tell me! Well, it was FRAUD & I told them so, I refused to make any more payments. Over the past 18 months I have made several DISPUTES with XXXX XXXX  & they continue to demand payment & send my account to several different Collection Agencies. I contacted the Collection Agencies & told them about the FRAUD & they sent the account back to XXXX XXXX because they can't collect on FRAUD. Each month XXXX XXXX  reports my account as Delinquent to the 3 Credit Bureaus & is messing with my Credit Score when they were PAID IN FULL for the remaining Balance on my account. XXXX XXXX  keeps hounding me & destroying my Credit Rating while trying to collect {$8400.00} " past due ''. I am tired of this XXXX from XXXX Bank denying they were paid! So many DISPUTES were filed over the past 15 months all with negative results. I contacted XXXX XXXX XXXX  & asked for their help. XXXX XXXX, Senior Mortgage Advisor & I did a conference call with XXXX XXXX  trying to help me resolve this, but like all the previous calls I made with XXXX Bank, NOTHING WAS RESOLVED!! So I am hoping the CFPB can straighten out XXXX XXXX! I don't owe them anything!!! I want my XXXX XXXX repaired! XXXX XXXX  has been falsely reporting me as delinquent for 15 months.
Product: Mortgage

In reviewing my transaction history, I noticed that, on XXXX XXXX, 2015, my escrow account was charged {$700.00} for monthly XXXX ; this amount is XXXX times my current monthly charge of {$170.00} for2015. I 've attached the XXXX-month transaction history for my account. 
On XXXX XXXX, 2015, I e-mailed Bank of America, requesting an explanation. 
I have not received a response, and the charge has not been corrected.
Product: Credit card or prepaid card

I opened up a credit card and gave them the information on my other credit card to do a balance transfer, 0 % until XX/XX/2023 and they transferred it to a savings account # XXXX that did not have a balance on it. I was not aware there was a XXXX on my savings account. There was no letter giving to me by the State or my financial institution that was supposed to be sent out about this XXXX. I was opening the new card up to pay another credit card. I am now paying for 2 payments and plus a balance transfer fee of XXXX, when it was not sent to my credit card # XXXX because there was no CC account number on the check sent in to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$410.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Checking or savings account

The debt collector ( XXXX XXXX XXXX XXXX XXXX ) collected exempt funds from my checking account. Ive tried to contact the collector about the matter, but the collector has failed to respond. 
Also Citi bank charged my account XXXX $ without my authorization, the funds Citi bank took without my permission is also exempt.
Product: Debt collection

4 accounts with XXXX XXXX were charged off in XXXX. In XXXX, monies were paid to all the 4 accounts charged off because the XXXX cruise was canceled due COVID-19. During the validation period, I informed XXXX XXXX and the collection companies that the amount claimed was not accurate. XXXX XXXX refused to acknowledge monies credited to the 4 accounts and then sold the accounts to Collection companies. The collection companies were also informed the amounts are inaccurate and refuse to credit the accounts properly, XXXX XXXX has credited only one account and not all accounts and has sold accounts to collections companies indicating in inaccurate amounts owed and the credit collection has updated my credit report to reflect amounts that are inaccurate. I requested validation during FTC law and regulation of the amounts owed and they have failed to validate the amounts actually owed for each account. Based on FTC law, the account should be settled and my credit report should be updated to reflect that the accounts are settled and closed without reflecting a derogatory entry.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX security freeze
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX Balance Owed : {$6900.00} XXXX  XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX Balance Owed : {$870.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2600.00} XXXX  XXXX Balance Owed : {$260.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe TransUnionXXXX are colluding with XXXX XXXX. I filed a report with CFPB against XXXX XXXX in XX/XX/XXXX ( Complaint Number XXXX ). Since that filing TransUnion dropped my score 237 points. XXXX  has the same information and my score remains in the 600 range. Also TransUnion will not give me online access to my report or the ability to dispute it online which is a violation of the FCRA act. In addition they are allowing XXXX XXXX to reset the clock on a debt and report it as started in XX/XX/XXXX that was opened in XXXX and removed last year when I provided proof it should not be on my report. The other violation is with the other collection agency, XXXX XXXX XXXX. I have provided a statement from the XXXX XXXX XXXX stating I don't owe them any money and have contacted their tenant screening division with this documentation and they will not remove it from either reports. 

I have the same issue with XXXX which dropped my score 206 points and will not allow online access to my report nor the ability to dispute online. They are both doing what's in the best interest in the creditor and harming me the consumer. I am working hard to manage my credit and debt I don't feel I should pay the penalty because the bureaus are intimidated by creditors and collection agencies.