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

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX 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 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required
Product: Mortgage

I performed all work for an XXXX XXXX XXXX claim, the check in the amount of {$17000.00} was received by and cashed by Quicken Loans/Rocket Mortgage in XX/XX/XXXX. On XX/XX/XXXX I received only a portion in the amount of {$5100.00}. The check is in my name, XXXX XXXX XXXXQUICKEN LOANS, INC.. I need the balance in the amount of {$12000.00} returned to me asap to pay toward mortgage. I have waited years for this to happen and has caused personal and professional problems. I have sent a document proving this fact.
Product: Credit reporting or other personal consumer reports

Good Day I filed a XXXX  XXXX bankruptcy in XXXX which included delinquent mortgage payments. The bankruptcy was discharged and I never reaffirmed this debt. My mortgage company has been aquired by several companies before XXXX XXXX and theyre the only company who has reported it on my report. I reached out to them several times explaining the situation and they refuse to remove it and they continue to report since XXXX of XXXX. I dont know what else to do. Please advise if this can be removed from all credit bureaus. 

Sincerely XXXX XXXXXXXX XXXX
Product: Debt collection

XX/XX/2020 : I filed a dispute with XX/XX/XXXXand XX/XX/XXXX about two American Express accounts appearing on my reports with large balances due which had been charged off ruining my credit rating. I can not rent or buy a home and face homelessness soon unable to move from a place which is price gouging due to the pandemic. The Amex accounts end in XXXX and XXXX. I reported the debt is not mine to the credit bureaus and requested to have the debt removed because all of the debt is my deceased husband 's XXXX treatment medical bills, work clothing, and business expenses. Other of my husband 's debts were also included on the credit report. Of those, only Amex has resumed predatory debt collection tactics calling everyday, mulitple times a day, leaving messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 719tXXXX 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 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered a negative mark ( rental history collection in the amount of {$3100.00} ) on my credit score as inaccurate because I satisfied the requests by then XXXX XXXX XXXX. I was asked to provide a 60-day notice ( to be notarized by a state certified individual ) and pay a reletting fee equal to XXXX rent due in order to relocate for work and school. I requested XXXX, leasing agent from XXXX XXXX XXXX XXXX, to confirm the original collections agency the alleged debt was sent to. She confirmed collection was sent to XXXX XXXX XXXX XXXX ( phone number XXXX XXXX ) XX/XX/XXXX. I reached out to XXXX XXXX to verify the information provided to me and a representative confirmed the alleged debt and information related to my file was never received. 

I followed up with XXXX XXXX XXXX ( the reported agency reflected on my report ) to verify they received the collection as reflected on my credit report. I spoke with a representative who alleged the debt was received between XXXX and XXXX of XXXX, no specific date provided. I requested XXXX XXXX XXXX provide all documents pertaining to my file ( invoice, breakdown of costs/fees incurred, proof of receipt of reletting fee paid, copy of lease agreement and copy of 60-day notice ) via  email by XX/XX/XXXX and never received the requested documents. Because of their unresponsiveness and inability to provide the documents needed to dispute the alleged debt to the major credit bureau , I am filing a complaint to the CFPB to mediate the removal of this item from my Experian credit report in order to accurately reflect my true credit history.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 

Please update my credit report as per law abiding accuracy of data
Product: Student loan

See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Capital One has allowed a third party vendors mismanagement to cause deposits and payments to be completely stopped.
Product: Credit card

i paid a company XXXX on XXXX and XXXX on XXXX with my slate visa card.the merchant name was ap industries which was also operating as XXXX.when i realized i had been defrauded i contacted my slate visa card to dispute the transactions and was told it was to late.my slate visa would not even consider helping me.i repeatedly told them i received no services at all.there must be something that can be done.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Missed Payments on Credit Report Dear CFPB, I am writing to dispute the accuracy of information on my credit report as provided by your agency. After reviewing my credit report, I have identified discrepancies related to missed payments that are inaccurately reported. I request a thorough investigation into the matter to rectify these errors promptly. 

Below, I have outlined the details of the disputed information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Reported Missed Payment ( s ) : XX/XX/ Inaccurate Information : Charged me a late fee along with not sending me an email or any reminder to pay off my card. Paid off the full amount as soon as I was notified of a late fee charge. Do know that this is an unfair situation this systematic error had caused. I pay off all of my statements on time. 
I believe the information mentioned above is inaccurate, and I request that you investigate this matter as per the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). I have attached supporting documentation, including [ any relevant documents you have ], to assist in your investigation. 

Please provide a written response outlining the results of your investigation within the timeframe stipulated by the FCRA. If you find that the information is indeed inaccurate, I request the following actions be taken : Correct the information on my credit report. 
Provide an updated copy of my credit report reflecting the corrections. 
Notify all parties that have received my credit report in the last six months of the corrections made. 
I appreciate your prompt attention to this matter and your cooperation in resolving this dispute. If you require any additional information, please do not hesitate to contact me. 

Thank you for your assistance in rectifying this matter promptly. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 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. 

Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent notices to Equifax and XXXX with the intent to resolve issues pertaining to certain accounts listed on my credit profile. It has been 30 days and a resolution has not been met yet.
Product: Mortgage

Carrington Mortgage deceptive practices during loan payoff. After receiving the payoff quoted they sent an additional payoff statement demanding more money. They have since returned the wire sent and the check sent for the additional money and are now demanding additional funds again. 

They are crooks of the worst manner and should not be allowed to remain in business. They should have to forfeit the payoff in full plus 3 times that amount to the consumer and pay XXXX XXXX XXXX XXXX for time spent in clearing trying to clear this up. 

They have refused to give us their agent of service trying to avoid a lawsuit.
Product: Credit reporting

I filed a dispute with Equifax credit reporting service regarding incorrect information reported. The DOB reported on my Equifax report is incorrect. The matter was brought to my attention when I applied for a job and the employer did a credit check and the information I 'd reported on my job application regarding my identity was not a match to the information reported to the employer by the credit bureau. 
- I asked Equifax to remove the DOB from my credit report after they 'd told me that in order to correct the incorrect information they 'd require I submit to them my birth certificate. Because I am a victim of identity theft ( the most recent occurrence in XXXX 2016 ) I would not submit to sending in my birth certificate. 
- I did send, however, a document of identification, a copy of a police criminal report pull verifying the year in which my social security number was issued and from which state, and a copy of my social security card. 
- Equifax responded by informing me they would not remove the DOB from my credit report and would continue to report the incorrect information.
Product: Checking or savings account

My phone was hacked by someone posing as an XXXX technician on XX/XX/2020, he got into my phone and took passwords out of my notes. He indicated, my phone was hacked and my bank account was being robbed of funds. He then asked me to download two applications and hung up. I began getting notices that this guy used my banks XXXX account and transfered the funds into my XXXX XXXX and then he tried placing the funds into XXXX at which XXXX stopped the transaction and wouldn't let it get to my XXXX XXXX XXXX denies and wrongdoing neither have they made this right. This was a government check and to think I would actually give this XXXX  XXXX employee or even XXXX XXXX Himself my banking info is ridiculous and obtuse. The mans name is XXXX XXXX, he took {$430.00} out of my Regions Bank Account. I have many documents to prove this as well as a police report and I also contacted the FBI. Regions Bank has turned down my request for an investigation twice claiming it is " my fault this happened ''. 
This was an unemployment check from the state of Florida I had been waiting for for weeks. I have spoken with Regions Bank associates XXXX XXXX from the XXXX Indiana Regions Bank as well as Mr. XXXX XXXX from the XXXX location branch in XXXX, FL. are the only two people at Regions bank who has a heart to help me get my funds back at which XXXX " XXXX XXXX XXXX '' refuse to even investigate. 
The whole thing is a nightmare. Its fraud and waste and I want to know if XXXX XXXX didn't get the funds through XXXX and if the funds weren't in fact placed in XXXX  ; where is my money? Can anyone there help me? I made a police report with The XXXXXXXX XXXX Ohio Police Departments Officer XXXX. 
Hackers can get through your phone and steal valuable information ; their thieves and in my opinion Regions Bank are no better!
Product: Debt collection

On XX/XX/XXXX, my co-tenants and I were given a bill from our previous apartment complex ( XXXX XXXXXXXX XXXX ) to the sum of {$1000.00} for damages and cleaning fees. This amount was owed after our deposit had been kept and used for some of the costs. Payments were made on this debt in the amounts of {$300.00} on XX/XX/XXXX, and {$200.00} on XX/XX/XXXX, Leaving us with a remaining balance of {$520.00}. 

We stopped making payments after those XXXX were submitted and understandably the debt was then sent to Wakefield Payment Solutions for debt collection. On XX/XX/XXXX Wakefield began reaching out to only myself asking for payment in the amount of {$1100.00}. This is more than double the amount we still owed when this debt was sent off, and it is also more than we owed to the apartment complex originally. 

I am the only one of four names attached to this debt that has been affected by this collections account, and no written confirmation of the debt was ever recieved by any of us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX have violated my consumer rights. 

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, MY NAME IS XXXX XXXX XXXX I have made several attempts to try to dispute these items with all 3 major credit bureaus with no luck of getting them remove off my credit report. 

The following company I requested that all 3 major credit bureaus removed and deleted are : XXXX XXXXXXXX XXXX : MY ISSUES ARE MY NAME, ADDRESS IS WRONG ON THAT ACCOUNT, ON XXXX ACCOUNT REPORTED WITH 72 % OF PAYMENTS MADE FOR THIS ACCOUNT ON TIME. 

ON EQUIFAX THE SAME ACCOUNT REPORTED 92 % OF PAYMENTS MADE FOR THIS ACCOUNT ON TIME. 

ON XXXX THE SAME ACCOUNT REPORTED MISSED PAYMENTS FOR XX/XX/20 WHILE REPORTED THE SAME PAYMENT ON TIME ON EQUIFAX. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  : ACCOUNT NOT MINE USED WRONG NAME AND ADDRESS THAT DOESN'T BELONG TO ME. 

XXXX : NOT MY ACCOUNT, MY NAME AND ADRRESS ARE WRONG AND THEY HAVE XXXX DRIFFERENT ACCOUNTS ON ALL XXXX MAJOR CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT, MY NAME AND ADDRESS ARE WRONG PLEASE PROOF OF MY NAME. 

XXXX XXXX XXXX XXXX  : THIS IS NOT MY ACCOUNT, MY NAME AND ADDRESS ARE WRONG.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance the fair credit reporting act XXXX Account # XXXX XXXX credit card has violated righ 15 USC 1681 section 602 .States I have the right privacy, 15 USC 1681 section 604. A section 2 it also states a consumer reporting agency can not furnish a account without my writing instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several collection accounts on my credit report that does not belong to me. XXXX XXXX XXXX... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 
I demand the late payment reported to be removed/updated.
Product: Credit reporting or other personal consumer reports

Illegally reporting a repossession on my credit. Illegally reporting an incorrect balance on a car thats be resold.