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

I disputed the unverifiable Public Record being reported on my credit report in XX/XX/2023. The dispute results came back " verified/belongs to you. '' I contacted the Court of Record and the third-party used to verify public data. The Court Record stated they do not provide or validate any information. The third-party, XXXX, stated that the information was unverifiable and removed deleted the information. 

I then sent another dispute on XX/XX/2023 and included the letters I received from both places. I looked online and saw that the investigation was closed on XX/XX/2023, with no results displayed. On XX/XX/2023 I called to receive the dispute results and was told by an Equifax representative that the dispute results were that the information was verified by the Court. I asked how that was possible and I was told that I would be sent a letter. I asked for this to be escalated and was told that was not possible because the information was verified. 

The first time I disputed the inaccurate information I was told that Equifax verifies the information through XXXX. When I provided proof that XXXX had removed the information because it was unverifiable, Equifax then claims they got the information from the Court. 

This is a violation of federal law.
Product: Mortgage

In summary, when we closed the refinanced deal with another lender and SPS charged us XXXX for the payout which was originally {$460000.00} before I made XXXX payments from XX/XX/XXXX XX/XX/XXXX equal to {$33000.00}. In addition, SPS did not report all the mortgage payments that I made during the pandemic but SPS somehow decided to charge me {$31000.00} in delinquent payments during the pandemic. In addition, SPS charged me {$42000.00} in interest for XXXX which is very concerning since I dont even pay {$42000.00} in mortgage payments each year. Also, SPS added an XXXX debt on my credit as debt and recouped it at the closing of the refinance in XX/XX/XXXX. I strongly believe Select Portfolio Servicing is guilty of UNFAIR BUSINESS PRACTICES, IN VIOLATION OF BUSINESS AND PROFESSIONS CODE SECTIONS 17200, ET SEQ, Fraud For Profit and more
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, the lien holder XXXX XXXX XXXX reported to the bureaus that my account was closed ( which it was not ) and added a remark that there was an involuntary repossession ( which it was not ). After speaking with them they advised that no one in the office reported that information ( lies ) So once I disputed it, the account was reopened and the remark was removed. That inaccurate information caused my credit score to decrease 128 pts. I have contacted them multiple times to ask when will my credit score be restored due to the inaccurate and incorrect information being reported ; I was told they didn't know how long it would take for my points to be restored and after requesting to speak with supervisors on multiple occasions I was then told that my score will be restored after 30 days of the closing of the dispute. The closing of the dispute was around XX/XX/2019 and has since been thirty days and no change.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed on XX/XX/XXXX, well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. XXXX XXXX XXXX ACCOUNT NUMBER XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I recently requested the information be corrected, to reflect the current status of the account with XXXX XXXX. This account has XXXX balance and is closed as I indicated prior. Current review shows account open with {$2100.00} balance which is again incorrect. 
2. Incorrect addresses are still listed, and Employment need to be removed from file
Product: Mortgage

Ocwen placed lender insurance on my property backward in time, communicating their decision XX/XX/XXXX with letter dated XX/XX/XXXX but insurance effective date of XX/XX/XXXX. They state there was a lapse in insurance, but the fact is the property is insured through master condo policy, and they never asked/explained/requested additional insurance for the interior before. 
In addition, the insurance they purchased was for an address that is not a match of my property address. 
I made numerous calls trying to resolve the issue in the best possible way I can ; I purchase the additional insurance XX/XX/XXXX, and requested a full cancellation of the lender placed insurance, but they denied my request. Since then, I am being bombarded with lots of letters from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. At the early part of 2016, I started to receive telephone calls from several credit card and a exercise equipment company stating that I had taken out credit and had began to go delinquent in my payments. I filed a police report and provided it to all the creditors that I did not recognize on my report. While some companies have removed the fraudulent accounts from my report, Citicards/Citibank is one company that has refused to do so. I hired an attorney to handle this matter for me. He stated that XXXX would only agree to settle the balance that had now charged off. I made all the installments to pay it in full. However, the impact of identity theft is still affecting me because this shows as a negative entry on my credit. I would like for Citicards/Citibank to take in consideration all of the documentation I 've provided on identity theft and the great lengths I 've gone to get this rectified. I have disputed this in writing and directly through the bureaus but no one will listen to me! I have even agreed to pay money back that I never received. I want them to remove this from my credit report because we NEVER were in business on this account and they have come out the victor by getting money from me anyway.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my XXXX XXXX which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my XXXX XXXX and Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) these accounts are in violation of not reporting XXXX XXXX accurate.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$590.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$93.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$290.00} Open Date XX/XX/XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$10000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$4100.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} Open Date XX/XX/XXXXXXXX XXXX
Product: Vehicle loan or lease

This has been happening for over a year now. Every month it would take 3 to 5 times before they would full accept my payment. I believe it was XX/XX/. Ally financial auto loan. Payment should have been XXXX with XXXX going to financial fees. Due to continue late charges only XXXX is going to my principal. The only answer I get is that they can't find my BANK? Somehow 1 out of 5 times each month they can? They refuse to fix the problem. It has destroyed my credit. I can't get out of the loan due to the finances charges.
Product: Checking or savings account

I opened the account to have my XXXX tax return deposited into on XXXX, XXXX. I lost access to my account. My phone was stolen and I no longer have the same number or email linked to that account since I don't remember my cashtag, they are refusing to help me whatsoever. Saying " For security purposes we are unable to grant access to this account and no further action can be taken. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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 than 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting

XXXX XXXX erroneously reported a debt to XXXX XXXX XXXX that I paid immediately in full on XXXX XXXX, 2012 when service was cancelled. I called XXXX numerous times, but kept getting referred to an automated number. XXXX also refuses to remove this inaccuracy with proof of original receipt. ;
Product: Mortgage

DiTech had setup an escrow account without my consent or knowledge. They claim that there was a gap in my insurance coverage. Apparently according to them my insurance company renewed my policy at a lower coverage then was currently being covered. At the same time I had secured insurance coverage from another company ( more for less ), which was no problem but Ditech claims that I owed them for a month or two and instead of letting me pay the gap, they started an escrow in which they deposited my timely payments and deducted the gap amount, then reported my payment late. I had auto payment set up with my bank and they assure me that all payments were sent on time and statements support that. I finally got in contact with someone last month, that explained the situation to me, as I only found out about it by checking my credit report and saw the late payment notices. I immediately paid the amount owed, even though it seems unusual to me that an insurance company would renew a policy for less. Not worth my time to argue over a {$100.00}, I just paid it and asked that they remove my late payment marks on my credit because I never made a late payment. They have refused to rectify the situation and my credit is being unfairly damaged as a result of it.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX coming as the living soul, who is the heir and paramount title holder to the Estate known as XXXX XXXX XXXX .

This is actual and constructive notice that the name XXXX XXXX XXXX is Estate property that is copyrighted. You can find that the copyright information has been filed with the Clerk and is on record with XXXX XXXX XXXX XXXX  XXXX. There you will find the Notice of Declaration and Commercial Affidavit of Truth. From this point forward, this name can no longer be used to furnish and report derogatory account and credit information. All accounts currently listed on the credit report associated with the name must be updated to Paid as Agreed. All late payment information, negative comments, and negative status must be immediately removed. And all balances must be set to XXXX. ALL Reporting containing information solely as to transactions or experiences between the consumer and the person making the report must be excluded. 

" XXXX XXXX XXXX is the perfected proprietary security for the living soul, XXXX XXXX XXXX, under original common law for one hundred ( 100 ) years and is private property for the protection of My estate, life, liberty, and property.

Unauthorized possession or use of XXXX XXXX XXXX and any/all derivatives thereof may be a violation of State Code for Fraudulent Use or Possession of Identifying Information which is punishable by prison and fine.

Any use of XXXX XXXX XXXX and any/all derivative ( s ) thereof, with or without scienter, at the expense of any right, liberty, property, or any part of My estate, absent full disclosure and lacking written prior consent is strictly forbidden and chargeable to each of the users/issuers in the amount of the sum certain of XXXX XXXX XXXX to XXXX XXXX XXXX ( {>= $1,000,000} - {>= $1,000,000} ) dollars of legal and Lawful Silver Dollar Coin of the United States, convertible at the legal and lawful ratio of 24:1 to Federal Reserve Note Dollars as prescribed by law and is not limited by any past, present, or future restriction for each instance of said unauthorized use. 

Placement of XXXX XXXX XXXX on any document associated in any manner with My estate or Me, XXXX : XXXX, without My written prior consent is all of the evidence required for enforcement of this agreement/contract and is evidence that any and all users and issuers are in full agreement and have accepted this agreement/contract without controversy under the conditions and terms so stated and set forth herein.
Product: Credit reporting or other personal consumer reports

I have pleaded to this company numerous times that this item is part of identity theft and is currently being investigated by law officials and they have purposely disobeyed my request to remove this account from my name. I have also asked for documentation and they also ignored that request. This company has blatantly violated my rights under FCRA 18 U.S. Code 1028A - Aggravated identity theft. 

Account # XXXX Open date XX/XX/2019 Amount : {$7400.00} The credit bureaus have violated the following laws as well Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 shalli ) 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: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance {$900.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$720.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX. Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts, XXXX XXXX, that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my personal information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national breach and a Validation of Debt Letter.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX  Balance : {$2900.00} XXXX  XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XX/XX/year>