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

I am writing to address the ongoing issue regarding fraudulent items on my credit report. Despite my previous attempts and providing substantial evidence to support my claim, the fraudulent items persist on my credit report. This continued presence not only undermines my financial credibility but also reflects negatively on the integrity of the credit reporting system. 

I request that you conduct a thorough investigation into these fraudulent items and take immediate action to remove them from my credit report. It is imperative that accurate and fair reporting is upheld to ensure the integrity of the credit reporting system. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX  XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX is the original creditor. Diversified Consultants, INC. has contacted me during the 30 day dispute time frame. I have two consumer reports showing the exact same date. I have disputed the alleged account with each bureau. The XXXX is reporting and earlier date XXXX. The open date reports XXXX. the investigation notes say the alleged account is with in the fcra guidelines. I spoke with XXXX briefly. they said the information on the debt is valid. I want you to know I have applied for a home loan. and its accounts like this that 's keeping me from that home loan. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writting you this letter in regards to open student accounts/loans reporting on my credit report. These specific loans are reporting inaccurate balances. They have not been verified to be belonging to me. They have also, reached the reporting limit statue of 7 years. I am requesting that the following student loan accounts be removed from my credit report imediatly. This is negatively affecting my score, debt to income ratio, and the process of buying a home. I will wait 14 days to ensure the removal of the accounts listed below before I proceed further. I hope that this matter is resolved in a timely mannor. 
The accounts to be removed are as followed : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX / XXXX {$430.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX XXXX / XXXX {$440.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ XXXX {$530.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ XXXX {$1200.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ XXXX {$1500.00} XX/XX/XXXX ( 3 yrs, 6 mos ) XXXX XXXX/ XXXX  {$1800.00} XX/XX/XXXX ( 6 yrs, 9 mos ) XXXX XXXX/ XXXX {$2000.00} XX/XX/XXXX ( 4 yrs, 6 mos ) XXXX XXXX/ XXXX {$2200.00} XX/XX/XXXX ( 2 yrs, 8 mos ) XXXX XXXX/ XXXX {$2200.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX/ XXXX {$3000.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX/ XXXX  {$3100.00} XX/XX/XXXX ( 6 yrs, 6 mos ) XXXX XXXX/ XXXX {$3500.00} XX/XX/XXXX ( 6 yrs , 9 mos ) XXXX XXXX/ XXXX {$3500.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ XXXX {$3600.00} XX/XX/XXXX ( 8 yrs, 2 mos ) XXXX XXXX/ XXXX {$4300.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ XXXX {$4500.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ XXXX {$4500.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ XXXX {$4600.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX  {$4700.00} XX/XX/XXXX ( 1 yr, 6 mos ) XXXX XXXX/ XXXX {$5300.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ XXXX {$5900.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ XXXX {$7200.00} XX/XX/XXXX ( 3 mos ) XXXX XXXX/ XXXX {$8400.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ XXXX  {$9200.00} XX/XX/XXXX ( 8 yrs, 2 mos ) I am filing this complaint against XXXX XXXX XXXX XXXX/ XXXX as well as the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There are fraudulant accounts on my credit profile that needs to be removed immediately. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.
Product: Student loan

I am an XXXX  who is currently in my 13th year working for the XXXX XXXX XXXX. I previously had loans with XXXX which were taken over by XXXX. The Public Service Loan Forgiveness was brought to my attention and I learned that my loans would have to be transferred to XXXX XXXX. Once everything was completed, I immediately noticed numerous issues. I have always consistently paid my loans and have never had poor standing in terms of paying on time. Based on the practices of XXXX XXXX, it seems as if they are purposely attempting to bring upon hardship and force me into a payment that I can not carry. My payment when moving from XXXX to XXXX XXXX was {$430.00} on XX/XX/XXXX. During the first week of XXXX, I called regarding finding out how to ensure that my loans would qualify for the PSLF since that is the only reason I moved my loans in the first place. Fast forward to now, I applied and come to find that my payment has increased! I just received notice that my monthly payment will now be {$630.00}! Never was I told that applying to change my repayment plan would increase my payment. I have a mortgage and other bills and this fluctuation in payment will create financial hardship in my household. It seems that each time I call and speak to a representative my payment increases and I am given conflicting information from each representative I speak to. I simply ask that my payment stay within its original range and now soar to what I am expected to pay on XX/XX/XXXX. Each time I call to ask for help, my loan has been put into forbearance without my permission or I have been given incorrect information that has led to a higher payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXX XXXX Account XXXX XXXX Social Security Number : XXXX I believe the information on the consumer report is reporting inaccurately. 
Please verify this information is reporting accurately. Verify the date account was opened, balance, and my payment history. 

Can you verify the date of first delinquency? 
Im requesting the results of your reinvestigation in accordance with 15 U.S.Code 1681i ( a ) ( 1 ) ( A ) and a copy of my credit file. Please forward all correspondence regarding this matter to the address stated above.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX XXXX ]. [ XXXX XXXX XXXX XXXX ]. [ XXXX XXXX XXXX ], [ XXXX XXXX XXXX ] are not complete and accurate. 
And one more thing according to 15 USC 1681s-2 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. 
Check the attachments below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federal protected consumer and the following adverse actions have been committed IN accordance with 15 USC 1681 by the consumer reporting agencies : 15 USC 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

EQUIFAX did not receive written instructions form the consumer ( me ) to furnish any of my information to creditors or debt collects or allow any corporation to put anything on my Consumer report.

I sent an affidavit of truth the the CEO of EQUIFAX requesting a sworn affidavit by me the consumer given EXQUIFAX written permission to furnish any information from my consumer reports to any corporation or allow any corporation to furnish any information to my consumer report. EQUIFAX did not respond properly. AN affidavit can only be rebutted by an another affidavit line by line. 

15 USC 1681a ( d ) ( 2 ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card ( SSN card ) or similar device ; EQUIFAX has allowed corporations to furnish inquiries on my consumer report which is looked at as an authorization and the law clearly states that authorizations are an exclusion. A credit transactions and or experience between the consumer ( me ) and the person XXXX corporation ) are an exclusion as well EQUIFAX has committed these actions against me, the consumer and this has caused financial injury and ruined my reputation and my credit worthiness. EQUIFAX is civilly liable for each action committed against me
Product: Mortgage

Cardinal Financial was tasked with verifying both the furnishing of the mortgage loan account as well as the accuracy of the account.

Cardinal Financial provided response to CFPB and myself as to their ability as the furnisher to report the loan to the Credit Reporting Agencies. However, they failed to acknowledge that the information reported is not up to the maximum standard accuracy that is required by FCRA law to be a valid item on my credit report.

As per the FCRA : 15 U.S.C. 1681s-2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies This section of the FCRA outlines the duties of furnishers of information to ensure that the information they report to CRAs is accurate and complete.

Key Provisions : 15 U.S.C. 1681s-2 ( a ) : Duty to Provide Accurate Information This subsection requires furnishers to report information to CRAs with accuracy and completeness. 

( a ) ( 1 ) Duty of Furnishers of Information to Provide Accurate Information : A furnisher shall not furnish any information relating to a consumer to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.

I have informed Cardinal Financial of inaccuracies that they have provided the Credit Reporting Agencies which are now reflecting on my credit report.
Product: Mortgage

Valon Mortgage is the institution. My loan was sold to them for servicing. They have repeatedly failed to post payments sent via PRIORITY Mail with tracking, in a reasonable or timely fashion. XXXX payment was sent XX/XX/XXXXXXXX USPS Priority tracking says it was received XX/XX/XXXX. To date, XX/XX/XXXXXXXX they have failed to post the payment. Even with consideration for the holiday, theyve had from XXXX to post the payment. I have repeatedly called, spoke with multiple agents, and their response is that they filed a ticket and have 3-5 days to respond. I provided support documentation of the tracking and receipt. I was told if i didnt like it I could issue a stop payment on the check. 
This has been an ongoing battle for 18 months with this institution as they are trying to force online banking which I refuse to do. 
They have legally failed to meet their obligation in locating and posting what was a timely payment. Their response to my concern has been dismissive. 
My next filing will be to the FTC.
Product: Credit reporting or other personal consumer reports

I RECENTLY REQUESTED THE ITEM /ITEMS LISTED TO BE DISPUTED AS A FORM OF VIOLATING MY CONSUMER RIGHTS 15 USC-1681 & 15 U.S.C 1681 SECTION 602 a. I REQUESTED THE APPLICATION AS PROOF OF OWNERSHIP. PLEASE SEND ME THE INFORMATION THAT WAS USED INCLUDING THE INTERVIEW YOU MAY HAVE HAD WITH THE COMANY .PLEASE PROVID ME WITH THE VERFIED INFORMATION OF OWNERSHIP AND AGREEMENT BETWEEN MYSELF AND THE CREDITOR OR REMOVE THE NEGATIVE REPORTING AS IT VIOLATES MY CONSUMER RIGHTS. 
XXXX XXXX XXXXCB/XXXX XXXX XXXXCB/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
Product: Mortgage

We spent four hours on the phone Tuesday XX/XX/XXXX to get the conditional approval so there wont be an issue. The loan officer is literally the most incompetent  person Ive ever spoken to. I had uploaded income documents to the portal and he never checked it, only used documents I had emailed him which was half of our income. Didnt input our assets or savings account so the file showed we were $ XXXX short for cash to close, and didnt send us the conditions from the XXXX that needed to be cleared. Just told us it was suspended. I called my bank and gave them proof of assets and additional income on Wednesday via email and the portal and confirmed receipt. The conditions were cleared and file went back to XXXX. I dont understand why the process is so difficult for them to grasp that time is of the essence but theyre doing a disservice to everyone involved. We are now at risk of being sued by the seller and forced to close, but we want to close with a loan and not in court. We were granted prepossession of the property on XXXX and contract closing was XX/XX/XXXX. Its not XX/XX/XXXX and we have extended our rate lock and closing twice, with no end in sight. The lender is refusing to answer emails, calls, or texts, and only states the file is in XXXX review when we berate him.
Product: Mortgage

over the past 2 years Bank of America has harassed m by misstating my requirement for a HARP loan and or modification by requesting the same documents which were sent and than stating they had aged over 90 days and requesting the same information multiple times and finally offering a modification which caused more hardship than relief. Seems as if they are simply not interested in the proper use of HARP funds entrusted to them to offer help. Late charges were overstated even though payments were not late as per the terms of the contract as well as escrow accounts being over stated even though we were trying to resolve the issues and there is no one to stand with me. In regard to checking accounts, transactions are manipulated to allow them to charge more fee. Larger amounts paid first so that account shows overdrawn and smaller amounts processed out of order and fees charged. Guess they need the money. I believe they are in violation of state and federal statutes relating to XXXX treatment. I was out of work for 4 months in 2015 for XXXX problems and suffered XXXX issues as a result of the XXXX over the actions of Bank of America. They have reported me to credit bureaus as being 4 months behind in mortgage payments even though I had tried many times to discuss the issues and communicated by phone and letter with no resolution other than continuing harassment. What to do??? I have tried to refinance with other companies but could not do so primarily due to alleged late mortgage paymnts.
Product: Credit reporting or other personal consumer reports

Someone has been running my credit for at different auto places
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXX XXXX Account XXXX : XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

on XXXX I obtained a auto loan with NC State Employees Credit Union. I finalized my loan with XXXX XXXX  who advised I could have an extended term of 7 years at XXXX in which I agreed which was based of an 4.25 interest rate and took my new auto loan. When I received my documents in the mail to sign on XXXX  the rate was 5.75% and the payment of XXXX  I contacted the Credit Union on XXXX   and spoke with XXXX who advised that XXXX quoted my payment off the incorrect interest. I was then advised that they could not give me what was quoted and that I should have read the website for rates and needed to go to the Branch for resolution. On XXXX  I went and spoke with XXXX XXXX at the Branch and was also advised that they apologize for the error but the they could not allow the terms that was quoted and could extend my loan for 8 years making me keep the car longer than agreed and the board will not make an exception. As a consumer I feel I am being penalized for the Credit Unions mistake and that I should just sign the documents and not read them. I advised them when XXXX   printed my documents and noted the error, I should have immediately been contacted of the error while I was still at the dealership. Instead, I left in good faith that I was given accurate information and I was mailed documents as if it would never be noticed. Granted the difference is not much but I should be granted what was disclosed to me and agreed upon. what the bank has offered me as a remedy still benefits them and not the consumer as they will make money off incorrect information. I am left with either accepting what they offer or rescind my loan and turn the vehicle in. I spoke with a supervisor (XXXX) at the Contact Center has asked for the calls to be pulled to proof I was indeed given inaccurate information and was told it could not be done. Most banks when these errors are made the rate can be deviated, but all I am hearing is we all make mistakes and we are human. As this is true, you still should do right by your member/customer.
Product: Checking or savings account

I sent money with zelle many times before they had a warning about checking if the person receiving the money was correct. I had many times where money was sent but it entered up going to another person and I was never able to get the finds back.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX and XX/XX/XXXX XXXX XXXX reported late payments on an account that is reporting to my credit profile and it should not have any late payments. I have disputed the inaccuracy and it is still reporting. The account was never late and should be listed as pays or paid as agreed.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I submitted a soft pull prequalification inquiry through several lenders, one of those being OneMain. When submitting the prequalification at OneMain.com, there was a disclaimer that stated " THIS WILL NOT HURT YOUR CREDIT SCORE '' next to the accept button. There was verbiage further down the screen that stated this was a soft pull as well.

After hitting the button to " GET STARTED '', I was presented with a pre-approval for {$10000.00} secured, for which I have nothing to secure the loan and do not want to entertain a secured loan anyways. I did not want to proceed. There was a button to continue that warned that a hard inquiry would be performed if I accepted. I closed the screen. I then got notification that my credit had been pulled as a hard pull. I gave no authorization to perform a hard inquiry. I am being very careful about inquiries and giving access to my full file, and I am very conscientious about only working with soft pulls until I am prequalified.

I called OneMain and asked that the inquiry be removed, giving the benefit of the doubt that this was a glitch. I was advised that it would be removed by the back office team. I was then emailed by OneMain and asked to submit a written request to remove the inquiry. I submitted that request via email, and included a screenshot of the SOFT PULL screen that was still on their website. I received a denial letter in the mail, stating that OneMain had permissible purpose. 

This behavior has already been addressed in XXXX v. XXXX XXXX, XX/XX/XXXX. It is not good business practice to advertise a soft pull, use that as a marketing tactic ( see if you qualify without hurting your credit ), perform a hard pull without authorization, and then claim to have authorization. 

Please promptly remove the inquiry from my credit file.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment Record for Account [ XXXX XXXX XXXX XXXX ] Dear CFPB I am writing to dispute the accuracy of late payment information reported on my credit report for account [ XXXX XXXX XXXX XXXX ]. Upon reviewing my credit report, I noticed that late payments were recorded for this account. However, I have always made timely payments and have never missed a payment on this account. 

I kindly request a thorough investigation into this matter and ask that you provide documented evidence, such as billing statements or payment history, demonstrating any late payments. If you are unable to furnish such proof, I ask that you promptly update the status of these payments to reflect their true standing as on-time. 

I trust that you will handle this matter with the urgency and accuracy it requires, as credit reporting plays a crucial role in maintaining a consumer 's financial integrity. 

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

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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX 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/year>
Product: Mortgage

Carrington Mortgage informed me that for XXXX consecutive payments I would need to pay by certified funds and was told I could do a cashiers check/certified check. I sent the first check out on XX/XX/XXXX to XXXX  XXXX payment. For the next several weeks after I called because the check was never applied to my account or cashed. On XX/XX/XXXX I went to my bank and had the first check cancelled and the bank reissued a new one. On XX/XX/XXXX I sent the second check with tracking through XXXX. I got confirmation on XX/XX/XXXX that the check had been successfully delivered. As of todays date XX/XX/XXXX, Carrington Mortgage claims they still have not received it even after showing proof of cashiers check and usps delivery confirmation. I keep getting the run around with this payment and they claim they need a few more days to process it.