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

XXXX reported a bankruptcy upon consumer 's credit report without consent of consumer and should be removed immediately without delay. 
The United States Bankruptcy Court does not report any information to the credit bureaus and responsible for verifying or validating information from consumer 's credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing disputes with the bureaus and the only one who has not been responsive is Transunion. I have had several inaccurate items fixed on the other bureaus but Transunion has made zero changes. There are items that need to be fixed.
Product: Student loan

Hello, I got your information on the Federal Student Loan site. I saw information that stated you shouldn't be paying another party for servicing your loan so I clicked and was taken here. I don't think the problem is with the school, it's with the party that contacted me about having my loans transferred to XXXX XXXX from XXXX and then I would pay them a fee of {$29.00} a month. 

The company is XXXX XXXX XXXX XXXX based out of California. Please let me no what I can provide. If this is a scam, I'd like to get out of it. 

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

My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Product: Credit card or prepaid card

I was astonished once I viewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how  this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.SXXXX Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Vehicle loan or lease

You quys have my credit report that my car was repo two months ago and my never was repo I still have my car and paying you guys
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct US DEPT ED XXXX Balance Owed : {$1800.00} US DEPT ED XXXX Balance Owed : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting to have the following accounts attached in this complaint to be removed from my account. They were added there without proper verification and with discrepancies. This goes to show that not much investigation was done and therefor a violation of my FCRA. I already informed bureaus but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 47 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 47 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XX/XX/XXXX data breach and this may be the result of this nefarious activity on my reports.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit card

On two occasions, one in XX/XX/XXXX and XX/XX/XXXX, my checking account XXXX, was compromised for the amount of {$500.00} to pay on my Citizens Bank Credit Card Account,XXXX without my authorization. 
Again on XX/XX/XXXX this happened again when I made a monthly payment of XXXX dollars XXXX/XXXX, to the credit card account and the bank " took '' " without authorization '' XXXX dollarsXXXX/XXXX as a credit card payment on XX/XX/XXXX. 
I called Citizens bank and they 're very incompetent over the phone and have incompetent persons asking irrelevant questions and not solving problems. 
Twice this year and I 'm afraid that my account has been compromised! When I told this to the Customer Service Representatives, they had no solutions to this issue. 
I need the Commission to look into this matter because the Bank '' Citizens '' is n't functioning in a normal fashion in the interest of the customer.
Product: Mortgage

Our mortgage is serviced by Nationstar Mortgage Holdings Inc ( XXXX " Mr Cooper '' ). 

I have made four recent payments to Mr Cooper, through their web site. Each of these payments were specifically made as " Additional Principle ''. Each of the four payments were made in alignment with Mr Cooper 's timing request ( i.e. at least 24 hours after an automatic monthly payment ). Our loan have never been late, and in fact we are trying to pay it off early with these additional principle payments. 

Complaint : each of the four payments were misapplied by Mr Cooper. In each instance, the company chose to prepay our next regular monthly mortgage payment ( with its mix of interest and principle ) and then applied the remainder to 'additional principle '. In each case I needed to call Mr Cooper to request that they fix the error. In the most recent case, I needed to call twice because the promised fix to the application of the funds was not done after the first call. Each Mr Cooper customer service rep on the phone apologized for the misapplication of the payment, and said it would not happen again. 

I kept a screen print from the Mc Cooper website of the most recent of the four " additional principle '' payment, with the expectation that it would be misapplied. It was misapplied and I attach that screen print below. 

I believe that Mr Cooper systematically misapplies " additional principle '' payments across its portfolio of serviced loans. If this is true, Mr Cooper is defrauding the mortgage holders who make these payments, by charging interest on the portion of the " additional principle '' payment, which is credited to " interest '' as opposed to " principle ''. 

The four " additional principle '' payments payments made to my mortgage, each of which was misapplied, were : {$5000.00} on XX/XX/2021 {$3300.00} on XX/XX/2021 {$15000.00} on XX/XX/2021 {$2000.00} on XX/XX/2021 2021
Product: Debt collection

Medical data systems for the amount of {$270.00} date added on credit report was XX/XX/2018 no information was verified for this debt.
Product: Credit reporting

I have requested that previously DISMISSED CH XXXX filings be removed off my credit report due to the age of the records. The filing dates are over 7 years old and the clock starts ticking from the date of filing not the date of the discharge or dismissal. The Trustee 's office stated the same to me and suggested that I file a correction through the XXXX reporting credit agencies. 

I am currently in a CH XXXX and will be successfully discharged in XXXX/XX/XX/2017. I am trying to clean up my credit report before I get the discharge.
Product: Mortgage

First, I would like to thank you for assisting with my first complaint # XXXX about OCWEN LOAN SERVICING LLC. Next, I want to open a new complaint because I sent them an QWR on XX/XX/XXXX and they responded to myself and CFPB by electronic mail on XX/XX/XXXX. And yes while OCWEN did send out a response to both of us, so that would be complying to Section 2605 ( e ) of the Real Estate Settlement Procedures Act ( RESPA ) which requires that they respond to " qualified written requests '', they again did not send me the information that was requested by me. They sent out a response to us stating that my concern was addressed to them on XX/XX/XXXX and that according to them my concern was with the Law Offices of XXXX XXXX which was never a question to OCWEN when I was writing them asking them for information at all. This information that OCWEN sent to you is false. OCWEN again is still not doing business in the State of Maryland by the rules, and that is why the State of Maryland is not letting the do business in this state. According to all of the information that I am receiving, I am not sure where my payments are going, but reading the information on the case file that Maryland put out, the XXXX # XXXX is a part of this paperwork and it looks like my money is going somewhere but not sure to whom or where it is going. And also I found out by an Real Estate Agent that this alleged loan was put in for 50 years which was revealed through a credit report they he pulled, this is something that OCWEN did not disclose to me. The things in my first QWR that I asked them for were not furnished to me or the CFPB. They stated that they WILL NOT RESPONED TO QUESTIONS THAT DO NOT RELATE TO THE SERVICING OF THIS ACCOUNT, BUT all of the items that I asked them to show be documentation for is related only to my account. So, I would like to know how or who I need to contact to get OCWEN to get me the information that I requested in the QWR that I mailed to them via U.S. Postal Service Return Receipt on XX/XX/XXXX. The second page of my letter show the items I asked them to provide to me. Thanks for your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 2 weeks ago 3 accounts just appeared on my Equifax credit report that do not belong to me. There are 2 " XXXX '' accounts and 1 " XXXX '' account. I have not now or ever had any of these cards or accounts. I immediately attempted to dispute through " My Equifax '' account but those accounts state " Consumer Disagrees with info, re-investigation in progress ''. I have never disputed these accounts because they have never been on my credit report because they do not belong to me. I do not believe this to be fraud or identity theft. I believe that Equifax has mixed my credit file with someone else 's and I demand that this error be corrected immediately.
Product: Credit reporting or other personal consumer reports

Around XX/XX/XXXX I submitted a dispute for inaccurate reporting on my credit report. I then received two letters one from trans union and one from XXXX ( report number XXXX ) XXXX stating that the disputes letters that I sent out didnt appear to be from me or to be authorized I then sent in another letter .Right now theyre not providing anything to validate the late payments, two theyre not even adding in the comments that consumer disputes, and theyre not updating last verified.
Product: Debt collection

XXXX XXXX XXXX XXXX sold my medical bill to two collection agencies. The agencies are XXXX XXXX XXXX XXXX, and Medical Data Systems. 
I resolved with XXXX XXXX paid on XX/XX/2020. XXXX reported on my credit report as negative status. As soon as i resolved with them, they took it out of my credit report. And now i have the other Medical Data Systems on the credit report. i filed a dispute and sent the Letter from XXXX to the dispute of XXXX  and XXXX, and XXXX, and it did nothing to remove the Medical data reporting. This is not fair for both to collect. i resolved and it should be final and the Medical data should remove it from all 3 agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorize inquiries I do not recognize. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. I never authorize to run my credit.
Product: Credit card

In XXXX of XXXX, I canceled my card due to a fraudulent charge and while waiting for the replacement card I saw a pending transaction from XXXX car rental for {$6400.00}. I immediately called CapitalOne Quicksilver credit card and said that these are not my charges and that I never received the replacement card. The credit card rep told me to wait for the charges to be posted on the account and then, call back since they could not do anything at the moment. She also canceled the replacement card. 
On XX/XX/XXXX a charge from XXXX car rental was posted on my CapitalOne Quicksilver credit card for the amount of {$6400.00} and I disputed the charge with my credit card, since I never got this card and never rented a car with XXXX. 
However, the credit card denied my dispute and posted the {$6400.00} charge back to my account, saying that their investigation showed that this was my charge. My request to share the information or documents that support their claim was refused. 
I called XXXX car rental and asked them to share with me the car rental contract that was signed under my name and a receipt for service rendered, but they refused to provide any documentation to me as well. 
I filed a police report for credit card theft and identity theft, since someone had to use my ID to rent a car under my name. The police report was filed on XX/XX/XXXX. 
On XX/XX/XXXX another charge came through from XXXX car rental on the same credit card for {$92.00}. I disputed it with my credit card, but the credit card again denied my dispute and charged this amount to me too. 
Current status : A police officer is working on my case. He requested a subpoena to have XXXX provide all documentation they have in regard to these XXXX charges, but it can take more than a year to get the subpoena, and the charges are due to be paid already.
Product: Mortgage

I had a house fire. XX/XX/2017 the insurance company finally sends the undisputed amount. I signed and sent it off to my mortgage company. I 've been reaching out to them for two weeks. I asked that they send a third of the XXXX so me and fianc can start demo disposal and start and complete the roof. Of course we will have help from family and friends that works in this field currently. Being that the undisputed amount is n't near enough to restore my home so we are having family that knows what there doing come in and help us because we have to try and make this money work for repairs until we finish disputing the rest of the funds with insurance company. I advised that I 'm handling this as a owner build and there will be no licensed contractor. They ( the mortgage company ) keeps insisting that I have one and I never signed a contract or a policy in my mortgage stating that I have to have one. Mortgage companies give customers the run around with the insurance money only so they can make interest off the money and make investments with the money being a dis service to their customers. We have been out of our home for four months and was badly damaged with fire. The insurance company not sending XXXX like they should so the longer the mortgage company hold my funds for repairs the longer I have to keep paying rent and my monthly mortgage. It 's causing financial hardship on my family. As long as the house is being restored correctly and is up to code and past all inspections and back to the way it was if not better than it should n't be a problem. Their being bully 's and prolonging the time for me and my family to get back in our home. This house has been in my fianc family for over thirty years so restoring and getting back in our home as quickly as possible is very important to us. I have XXXX and this unnecessary stress from my mortgage company is not needed. I 'm having XXXX ( crisis ) because of the whole situation. The mortgage company is Primary Residential Mortgage XXXX. XXXX XXXX, UtahXXXX XXXX or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I received a letter from XXXX stating my credit card I had since 1986 was closed due to non use, balance is XXXX and I have no debts. So I contact citi they told me that the amount is to high in relation to the income. So I'm trying to talk to a live person at experian.so my current credit score is XXXX  so I want my card restored.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach and request that all accounts and inquiries listed below be blocked and deleted from my credit report as provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The information related to these accounts has been compromised, and I do not want these fraudulent entries to impact my credit history. 
Below is a list of the accounts that should be blocked and deleted from my credit file : Accounts : XXXX. XXXX XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$2100.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$610.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$840.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$480.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear CFPB, I am writing to formally dispute inaccurate and/or negligent information on my credit report against XXXX. Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681o, credit reporting agencies and furnishers of information have a duty to maintain accuracy and ensure their reporting is free from negligence. The following accounts contain incorrect and/or misleading information that has negatively impacted my creditworthiness : XXXX Incorrectly marked as late despite a {$0.00} balance XXXX  XXXX Incorrect balance of {$230.00} XXXX  XXXX Incorrect balance of {$1700.00} XXXX XXXX XXXX  Incorrectly marked as late despite a {$0.00} balance XXXX  Incorrect balance of {$4900.00} XXXX  Incorrect balance of {$7800.00} XXXX  Incorrect balance of {$4700.00} These inaccuracies constitute negligent reporting under the FCRA. I request an immediate investigation into these accounts and that any inaccurate information be corrected or removed. Please provide written confirmation of your investigation results and the corrective actions taken. 

In accordance with the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. If these inaccuracies are not addressed, I may be forced to escalate this matter, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal action for damages caused by this negligence. 

Attached are copies of my identification, proof of address, and supporting documentation to facilitate your investigation. 

Please send all correspondence regarding this matter to the address listed above. I appreciate your prompt attention to this dispute and look forward to your response. 
Thank you,