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

This complaint is to formally dispute the unauthorized and fraudulent information currently appearing on my credit report. As a victim of identity theft and the NPDData breach, my personal information has been compromised, resulting in multiple fraudulent accounts and inquiries. Notably, there are two critical issues involving XXXX and the misuse of my name, XXXX XXXX, along with my Social Security number tied to my identity in the breach. I am requesting an immediate investigation of these items in accordance with the Fair Credit Reporting Act ( FCRA ). 

Additionally, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) - ( b ), 5564, and 5565, and my privacy rights under 15 U.S.C. 1681 ( a ) ( 1 ) - ( 4 ). 
I believe my credit file has been subjected to improper investigations or reporting practices, leading to inaccurate reporting. I also believe that XXXX handling of my credit file may be violating my privacy rights as guaranteed under the FCRA, which mandates that consumer reporting agencies ensure the accuracy, completeness, and privacy of the information they report. Ive requested Experian to provide me their description of procedures on numerous occasions relative to U.S.C. 1681e ( b ), This same account with XXXX XXXX XXXX # XXXX was deleted from my XXXX report back XXXX XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX I was sent a brief email that all of my CitiBank accounts would be closed. There was no explanation as to why, and my access to the accounts and cards was suspended as of that day. 

I called immediately and was given no information just told this was happening and there was nothing I could do to stop it. 

I called again XX/XX/XXXX to call. They were unable to tell me why the account was being closed. They told me there was no actions I could do to stop this process or make it happen quicker. I had no access to any of the money in the account or any way to view the accounts. I was told the money would be sent in XXXX days along with a letter explaining why this happened. I explained this was NOT ideal, as I needed the money in the account to live, and couldnt wait XXXX days for it. They were closing my account for no reason with no explanation and I had no access to my money. 

I called again XX/XX/XXXX and was hung up on. This repeated daily. I called at least 6 times requesting information or access to view my accounts to no avail. I was constantly transferred, hung up on, disrespected on the phone. 

In XXXX, I finally received the funds from the closed account. These funds were significantly less than I had been expecting as the account had well over the amount I was paid out. I deserve information on where my missing money went. 

Additionally, no information as to why this happened was provided. I was promised I would receive information on why this closing has happened.
Product: Checking or savings account

Chase bank, I have been able to assess my account for months and make payments but now they have closed my account this morning. I called and explain the situation but they claimed my account was closed yesterday with us false because I was able to access and had no messages stating date of closure. I have an over draft fee on my account and was putting as little as I could to pay it off but they were saying this was over XXXX and has not been but XXXX days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX Incorrect Address ( es ) : XXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX, FL XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report.

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

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

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I disputed the XXXX account listed on my credit file XX/XX/XXXX. Experian responded stating they updated information. When I reviewed the information the payment history on the account makes no sense. The report the account with late payments in XX/XX/XXXX then charged off in XX/XX/XXXX then suddenly begin reporting late payments again of 180 days late XX/XX/XXXX-XX/XX/XXXX the suddenly begin reporting the account as a charged off account again XX/XX/XXXX. I had no idea that an account could report as charged off and report this way for many months then suddenly begin reporting late payments again years later. So I sent a second dispute in XX/XX/XXXX pertaining to this account and Experian responded stating they believed it was a suspicious request and they were n't going to address the matter. However, after reviewing my credit report tonight on line with Experian, I noticed that more information still changed pertaining to this account even though they were n't going to address my concern, the still allowed XXXX to report more inaccurate information. This time, the account reports as a late for XX/XX/XXXX-XXXX then charges off. It then begins reporting the account as 180 days late XX/XX/XXXX-XX/XX/XXXX the marks the account as a charge off XX/XX/XXXX, the again begins marking the account as 180 days late for XX/XX/XXXX and XX/XX/XXXX then again the account begins being marked as a charge off again. This is different than what XXXX shows and either way is completely illegal and only takes common sense to realize the account is misreporting. RAther than sending me back a letter stating that they suspect suspisicous acitivity with me, the should be suspecting suspicious activity with XXXX and the way they continue to report inaccurate and illegal information. I 'd also like to dispute the social security number reporting on my credit report that I 'm just now noticing ending in XXXX because that is not my social security number. I 've already provided Experian a copy of my social security number and there is no reason for a XXXX to report on my credit report other than the XXXX they have proof of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF ED/XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am submitting this follow-up complaint regarding Experians failure to provide any substantiating evidence verifying the accuracy of the disputed late payments on my credit report for XXXX XXXX account XXXX ..... 

Additionally, Experian has not provided any updates within the required XXXX window, as mandated under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

Violations of Federal Law : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Proper Reinvestigation Within 30 Days Under this statute, a consumer reporting agency must investigate disputed information and provide a timely update. Experian has not provided any evidence supporting the accuracy of the reported late payments nor issued an update to my dispute within the required timeframe. This non-compliance warrants the removal of the disputed information. 

Since Experian has failed to provide documentation verifying the accuracy of the reported late payments or update my dispute within the legal timeframe, I am requesting immediate removal of these entries under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), which requires the deletion of disputed information if the accuracy can not be verified. 

I respectfully ask that the CFPB enforce Experians compliance with the Fair Credit Reporting Act ( FCRA ) and require them to either : Provide clear and documented proof that the reported late payments are accurate, OR Immediately remove the disputed late payments from my credit report, as mandated by federal law. 

I appreciate your prompt attention to this matter and look forward to a resolution in accordance with consumer protection laws.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX XXXXXXXX - {$5700.00} XXXX XXXX XXXX XXXX XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Money transfer, virtual currency, or money service

I am filing a complaint Cash App ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under he Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for violations.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of thaXXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report 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 that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$160.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$800.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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, credit repair services, or other personal consumer reports

I have been a XXXX XXXX customer For almost 28 years. I have been paying my mortgage on time regardless of my hardship. I have two mortgages and two homes that are financed through XXXX XXXX XXXX. In the past 28 years XXXX XXXX has sent my home to foreclosure without helping me to modify it to a better interest rate. I still made my monthly payment on time regardless of my hardship. I have excellent payment history on both of my mortgages but yet XXXX XXXX is reporting me 30 days late In XXXX of 2014. I tried to dispute with XXXX  and XXXX  and Equifax unfortunately the problem was not fixed. Now I am forced to file a complaint against XXXX XXXX XXXX  for all their wrongdoings including destroying my credit while I've been a loyal customer. My loan has been transferred to another servicer. 
I am trying to refinance my house but the 30 days late is destroying my credit score and I can not get a reasonable interest rate based on my excellent credit history besides the 30 days late. 
XXXX XXXX knows that I am a registered nurse working at XXXX XXXX 40 + hours taking care of covid patients I don't have time to waste removing this late but I have no choice at this time because I have to refinance and provide for my family a safe home
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been using XXXX XXXX to keep track of my credit scores and build my score. 
I noticed one day my score with Equifax dropped 83 points from XXXX to XXXX. As I reviewed the 'reasons ' it showed four payment ALL as positive actions toward my score. 
I couldn't reach anyone at XXXX XXXX so I contacted Equifax directly. I paid the {$15.00} to obtain my score from Equifax and it was XXXX! 

O.K., good I thought. So I applied for a mortgage on XX/XX/20 thinking my average score would be good since Equifax was at XXXX. I just received the disclosure from the lender and the Equifax score shows XXXX!! 

I contacted Equifax and they wanted another {$15.00} to give me the information on my score just 15 days later!! I had NO missed payments, NO new credit, etc. How does a score drop like this and nobody can explain. As a matter of fact, Equifax told me there was no way to file a compliant with them?? 

Please help.
Product: Mortgage

My loan was purchased from XXXX to Green Tree. Since then, Green Tree made a terrible error with my escrow account. They tried to charge me with over {$2000.00} of homeowner 's insurance in my escrow, when I only pay {$590.00}. They tried to raise my monthly payment from {$500.00} per month to over {$680.00} per month. I contacted Green Tree to inform them of their error, but they refused to listen to me. I physically had my insurance agent on the phone to explain to the mortgage company that they NEVER received any recent correspondence from the insurance company as the policy was not due for a few months. THe mortgage company said they would check into it, but it would take up to 10 days to correct. I finally received word that there was an error, but yet, I still received a bill for the {$680.00} per the mortgage payment. The account is still showing past due - when I mailed a check ( I have NEVER been late on any payments in 13 years ). They miscalculated my escrow, and still are not doing anything about the problem.
Product: Student loan

I am a cosigner for my daughter 's student loan, she went to XXXX state university in XXXX Minnesota. The loan I 'm having trouble with is from XXXX XXXX now navient. She is in repayment now. I 'm trying to help her because the job she has now wo n't cover her loan payments along with living expenses. I 've tried asking them what type of loan I cosigner for and they lied to me and told me it was a government loan. Found out last week that it was a parent plus loan. I guess I do n't know who to believe because I get a different answer every time I talk to someone. They are rude and mean and I 'm tired of it. They 're bullying tactics are unbelievable. I asked to have my original loan papers sent multiple times and have never received them. I just need help I 'm so frustrated. Help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Mortgage

I am a licensed XXXX my NMLS is XXXX and my client forwarded an email with a possible RESPA violation because it provides a thing of value to incentivize referrals. Here is the email forwarded by my client : From : XXXX XXXX XXXX Sent : XXXX, XX/XX/2023 XXXX XXXX  To : XXXX XXXX Cc : XXXX Team XXXX ; XXXX XXXX ; XXXX XXXX Subject : XXXX XXXX XXXX XXXX! 

Congratulations on the loan approval! Attached is your lender letter for the amount of {$810000.00}. You are able to get approved for more if you'd like ; please check with myself or the team so we can make the proper adjustments to your application should you decide you need to increase the approval amount. 

The story : Purchase condo in XXXX XXXX as XXXX XXXX XXXX to write the offer : a. Loan type : Conventional b. Seller concessions : none c. Down payment : 25 % d. Time needed to closing : XXXX  days e. Conditions or outstanding items : Documentation of Assets and IRA Distribution Income Your next steps are : 1. Schedule a time to review your loan options. We will build you your own customized mortgage calculator specific for your situation. We will go over payment information, taxes, insurance, escrow, out of pocket funds and more. Schedule a time at www.schedulechrism.com. Today at XXXX XXXX  2. Find that perfect property! 

A few things to keep in mind : -The amount of money in your accounts is important. We need to verify down payment and 'reserve funds ' prior to closing. So keep your balances high. 

-Let us know about any changes in income or employment. 

-Any new debt, even if it's buy now pay later can nullify your approval. 

-Any non payroll deposits or transfers in your bank accounts could be subject to underwriter review. 

-we need your help!!! No big deal here, but if you feel like were taking great care of you, please connect us with someone else who may need help financing their home. If you can connect us with a family who we end up serving we will pay for your appraisal!

Please feel free to reach out if you have any questions! 

We look forward to working with you! 

XXXX XXXX Production XXXX XXXX Cell : XXXX Fax : XXXX XXXXXXXX XXXX Disclaimer WE WILL NEVER ASK YOU TO WIRE MONEY! BEWARE OF PHISHING EMAILS REQUESTING A BANK WIRE. PLEASE CALL AND SPEAK WITH YOUR LENDER, TITLE COMPANY AND CLOSING ATTORNEY TO CONFIRM ANY WIRING INSTRUCTIONS BEFORE YOU WIRE ANY FUNDS. The information in this email is confidential, privileged, and/or proprietary to NFM Lending and/or its affiliates. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. Access to the email message by anyone other than the addressee is unauthorized. If you are not the intended recipient, any disclosure, copying, or distribution of the message, or any action or omission taken by you in reliance on it, is prohibited and may be unlawful. If you have received this email message in error, please immediately notify the sender and/or NFM Lending by calling ( XXXX ) XXXX and return and/or destroy the original message.
Product: Debt collection

XX/XX/2011 account was closed or charged off, ask them if i pay what was owed if they remove it off my credit report they said no because it was charged off too another company