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

To whom it may concern, As a consumer, I request all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX I believe this collection is reporting inaccurately. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX XXXX XXXX XXXXXXXX I believe this collection is reporting inaccurately. - According to letter XXXX5 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX Please verify that this inquiry is reporting accurately on my report now! - The following inquiry was not authorized and should not be reported. 

XXXX XXXX - XXXX Please verify that this inquiry is reporting accurately on my report now! - The following inquiry was not authorized and should not be reported.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent certified letters to XXXX, XXXX, and Experian stating that my credit report contained inaccuracies. On XX/XX/year>, I sent a certified letter to all three credit bureaus updating my social security number, birthday, employer, and phone number. On XX/XX/year>, I send another certified letter to all three credit bureaus requesting an update on my address and inaccuracies on my credit report. On XX/XX/year>, I received a letter from XXXX requesting my identification information. I sent identification information enclosed in the XX/XX/year> letter. The identification letter sent by XXXX is unclear because the letter cites 2 different addresses to send information. I sent another certified letter on XX/XX/year>. I have not yet received an answer to this letter. I received a dispute results letter on XXXX XX/XX/year>. My current name change and address were not addressed in the dispute letter. I sent a certified letter dated XXXX XX/XX/year>. The update of my address and name seems to be deliberately overlooked. None of my information is being verified against my credit report. I received two depute reports 1 day apart. Disputes are supposed to take up to 30 days. My duputes took 1 day. I sent another certified letter to Experian dated XXXX XX/XX/year> containing the inaccuracies on my credit report. I received a dispute letter dated XXXX XXXX, XXXX, stating they verified information with the creditor and not verified on my credit report. The addresses listed are not the same as those in the letter dated XXXX XX/XX/year>. I do not know where the address came from, and I never lived in XXXX, XXXX, XXXX, or XXXX. I seems that Experian is cross-referring credit data with the wrong people.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 60 days late as of XX/XX/202030 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting

I am submitting more evidence in my credit dispute regarding an item on my credit report # XXXX. 

I do not dispute that my payment to XXXX XXXX was 30+ days late. I 'm disputing the reason WHY the payment was late. I have already spoken with them and they removed the late fee once they heard WHY the payment was late. 

As you may be aware, the XXXX was hit by devastating XXXX this winter. In XXXX, the XXXX. During this time, I had all my bills forwarded and was able to keep up with all my credit obligations ; however, I apparently misplaced the single XXXX XXXX bill and so it was late. Once I learned of the delinquency, I paid it immediately. They were cooperative with me, and removed the late fee. 

I have a pristine credit record, which I have worked very hard to achieve. This late fee on my credit report has dropped my credit rating from XXXX to XXXX. As I am nearing retirement, this may have devastating impact on my ability to purchase a retirement home, move, etc. 
I know that credit reporting bureaus have the ability to remove information should they so choose. I urge you to take my prior and pristine credit into consideration, consider that the store in question had no problem recognizing that the 30 + day delinquency was due solely to extenuating circumstances, and the impact the drop in FICO score has on my credit report and my reputation. I am also sending this along to the Consumer Financial Protection Bureau, as I know they are interested in issues of this type.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit Reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

I have had an escrow account with Caliber Home loans and I am disputing the amount. According to the XXXX treasurer office, since my BK 11 confirmation date the servicer had only paid a total of {$8500.00}. My payment for principal and interest if {$790.00}. I made a payment of {$1200.00} on XX/XX/XXXX, which {$400.00} went to past escrow,, I made a payment of {$1200.00} on XX/XX/XXXX which {$400.00} went to past escrow,, Another payment of {$1500.00} was made on XX/XX/XXXX, {$700.00} went to escrow and another payment of {$1500.00} on XX/XX/XXXX, {$700.00} also going to past escrow. 4 payments totaling {$2200.00} should be deducted from escrow. Past due escrow {$8500.00} minus {$2200.00} should be {$6300.00}. 
Caliber sent me a letter stating the following : Please note, as indicated in our XX/XX/XXXX response, the loan was converted back to a non-escrowed loan and the escrow collection is no longer in effect. Since the remaining escrow balance of {$8300.00} was converted to an Ancillary Fee, there is no balance reflecting in your escrow account at this time. Also to note, Caliber received a payment on XX/XX/XXXX which credited {$400.00} towards the Ancillary Fee balance, leaving {$7900.00} as the outstanding Ancillary Fee balance In addition,, I have sent the XXXX payment of {$1200.00} and I paid the XX/XX/XXXX taxes today in the amount of {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX/XXXX/2016 XXXX XXXX XXXX incorrectly reported me to Early Warning Systems that XXXX closed my checking account for cause. This is wrong. I closed the account due to lost checks. XXXX did not suffer any monetary losses. I demand that this be removed from my Early Warning report. Thank you.
Product: Student loan

My student loans of over {$90000.00} were automatically transferred over to XXXX when I applied for PSLF on XX/XX/XXXX, and I have had nothing but trouble since then in dealing with this company. Because of the timing of when the loan got switched, they did not have a record that I had made a payment for XX/XX/XXXX. My income-based payment plan also did not transfer over, so not only did I suddenly have a late payment on file, I also now owed the standard repayment amount of over {$1000.00}. They then incorrectly calculated my income-based payment number. When I alerted them of this, I was told that they'd put my account in a courtesy forbearance for two months ( during which time I was not able to make eligible payments on my loans towards PSLF ). After several more phone calls, I finally confirmed that they'd applied the missing payment correctly and that I was now paying the correct amount ( I think this was sometime in XX/XX/XXXX ), but also noticed that they had still not accurately counted the number of eligible payments towards PSLF that I had made. 

I have called following up on this numerous times, and each time am told a different thing. In XX/XX/XXXX, I was told that the count was wrong because I had a " paid ahead '' status on my account for a monthly payment that had reset my count. I was told that that would be resolved. 

Today, XX/XX/XXXX ( SIX MONTHS LATER ) the representative told me that yes he saw that I was waiting on the updated and accurate count, and that they have been aware of the issue since at least XX/XX/XXXX ( NEARLY A YEAR ), but that he could give me no indication of when it would be processed except for, " it will happen. '' I asked to speak to a supervisor and he told me there was no one who could expedite the process for me. 

I have a little over 4 more years left on my loans, but am truly worried that XXXX will not have an accurate count ready when it comes time for me to apply for forgiveness. I feel that I have no recourse in dealing with this situation since XXXX is the exclusive servicer for PSLF and that XXXX can do whatever they want on whatever timetable they want. Waiting a year to get an ACCURATE count of eligible payments ( to date I have made 68, the calculation of which took me about XXXX minutes from downloading my payment history from XXXX, my former servicer, and XXXX ) is simply ridiculous. Please help!
Product: Debt collection

I received a letter again from Browns Collection in regards the following accounts, I have written Browns Collection various amount of times in regards these accounts asking them for verification of accounts I have requested what type of service was given to me and asked them no to violate my rights based of XXXX XXXX and FAIR CREDIT REPORTING ACT I have not receive a response in over XXXX days and now they are sending threats that they would send to an attorney and damage my credit XXXX {$3100.00} XXXX {$510.00} XXXX {$510.00} XXXX {$730.00} XXXX {$58.00} XXXX {$79.00}
Product: Credit reporting or other personal consumer reports

In XX/XX/year> after a verbal request for a report, Experian sent a report, and I received the report on XX/XX/year>. That same day I called to have inaccuracies corrected and requested a report as proof of changes. I also sent this request in writing XX/XX/year>, with specific instructions of changes. Received report XX/XX/year>, without required verbal changes. Page XXXX of XXXX reads personal information DOES NOT IMPACT YOUR CREDIT SCORE AT ALL. This to me was a blatant denial of my request. I then called Experian again to remove all inaccurate information and stated that I mailed specific instructions to correct immediately and send proof. XX/XX/year>, I received yet again no change in my personal information, and on page XXXX of XXXX again Experian stated personal information DOES NOT impact your credit score at all. I take this again as a blatant denial of my request.
Product: Credit reporting or other personal consumer reports

i inquired about a loan with one company for a pre-approval with no impact to my credit, only a soft pull is what I was told then got an alert 2 days later that there were three new inquiries on my credit I gave none of these companies any written or verbal consent to run my credit.
Product: Credit card

As part of debt consolidation, XXXX XXXX XXXX XXXXXXXX, XXXX ) sent a number of checks to pay off my credit cards, including my CITI Custom Cash credit card for {$2900.00}. All checks to each creditor were mailed out o/a XXXX XX/XX/XXXX, with all but CITI receiving and crediting my accounts by XXXX XX/XX/XXXX. By the end of XX/XX/XXXX, CITI had still not received/processed the check ( # XXXX ) within 30 days, so I contacted XXXX who placed a stop payment on the first check, and sent me a second check ( # XXXX, see attached upload ). On XXXX XX/XX/XXXX I mailed the second check to CITI 's " Express Payment '' address in XXXX, KY, with a receipt signature requested. The check was received XXXX XX/XX/XXXX in XXXX and signed for by XXXX XXXX. 

Several times over the last three days Ive spoken to numerous individuals in a foreign country who had absolutely no concept of the CITI " Express Payment '' processes or procedures. As of this writing, I've had to make two payments since the first check was mailed XXXX XX/XX/XXXX. CITI should refund both payments, with the interest they've gouged me for over the last 45 days.
Product: Debt collection

Sallie Mae has called me over a dozen times in the past 6 months trying to get a hold of my son. He owes them money, not me. I am not on the loan in any way, nor am I a cosigner. They are not only contacting me they are contacting all my relatives as well who do not even know how to get a hold of my son. I have asked them repeatedly to stop calling me or anyone in my family. The only people they should be contacting is my son or his mother who did cosign the loan. I have given them both my sons and ex-wife 's contact information, but since they are not responding they keep calling me. There is nothing I can do for them and even though I have asked for them to stop calling me they continue to do so. This is harassment at this point. There is nothing I can do for them. 
They called me XX/XX/XXXX, XX/XX/XXXX and just again now on the XX/XX/XXXX. I have blocked their # however it allows it to still go to voicemail. They have used different # 's in the past as well to get around the fact I have blocked them.
Product: Credit reporting or other personal consumer reports

While reviewing my credit report I realized that there has been unusual activity. Found that there has been at least XXXX unrecognized/unauthorized hard inquiries on the XXXX main credit bureaus ( XXXX, XXXX, Transunion ) .This were made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Account activity from XX/XX/2023, onward is fraudulent on Capital One credit card ending in XXXX. I am not in possession of said card.
Product: Credit reporting or other personal consumer reports

Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 

XXXX. XXXX XXXX : My main contact number is : XXXX XXXX XXXX. I would like this number to be updated. 

XXXX. Date of Birth : XX/XX/year> : ( XX/XX/year> ) XXXX. Employer : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX  account was closed XX/XX/XXXX date last paid was XX/XX/XXXX however my date last active has been continuously updating which is extended my statue of limitations they recently updated the account on XX/XX/XXXX when the last payment was XX/XX/XXXX this is clearly inaccurate information and a violation of my fcra consumer rights
Product: Money transfer, virtual currency, or money service

I am an XXXX and XXXX  for website XXXX XXXX XXXX. I monetized XXXX XXXX with Google Adsense program, In XXXX I earned {$120.00} which I was paid. Then I worked hard on XXXX XXXX by writing more content to earn more money to support my family, in the month of XXXX and XXXX I earned {$300.00} and {$190.00} respectively. I was supposed to receive my XXXX earning on XX/XX/XXXX but Google disabled my Adsense account on XXXX XXXX just before the payout. Now according to Google terms if they disable the account before the payout they are not entitled to pay any money. So I lost {$300.00} and {$190.00} for XXXX and XXXX. They disabled my account for invalid click for which I am not responsible. I am innocent, I never clicked on my ads or encouraged anyone to do so. I know doing so will ban my account and I will be left with no money. I appealed several times to Google but I always receive an automated response within a few minutes saying they can not reinstate my account. I wrote many emails but received no response, there is no phone support. I was dependent on Adsense  earning, I am a mother with a XXXX-year-old son, I am suffering a lot because of this, please help.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have already filed a compliant and received a letter from nation star. I filed complaint in XXXX 2016. The letter from nationstar said they were looking into my compliant and wood have an answer by XXXX XXXX 2016. I 'm still waiting. Now I received a letter from nation stars attorney and it said that our home would be sold at auction on XXXX XXXX 2016. Now what do we do?
Product: Vehicle loan or lease

I have a loan with CAPITAL ONE AUTO FINAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE AUTO FINAN with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
Product: Checking or savings account

XX/XX/24 established required information to make a transfer out after XXXX accounts ( cd 's ) matured and then they would transfer into a savings account that I would be transferring out of. The transfer was to take 1-3 days. I caught the company, Marcus by Goldman Sachs, reversing the transaction and then locking my account. After speaking with XXXX different people saying they couldn't authenticate me, the XXXX person said the only way to get the funds would be to close the entire account, which I did not want to do. They suddenly could authenticate me, send me a text and a code that I read back, they then closed the account and initiated a transfer. The transfer was too late for me to take advantage of the investment I was interested in. This resulted in me losing out on {$80.00} from that investment. I contacted my attorney and we wrote a letter asking for compensation for all of this nightmare, stress and loss on investment income. I spent days and hours going from XXXX person to the next. Their response was to give me {$25.00} credit to my account calling it " goodwill ''. I responded that it was insulting and ultimately asked for {$200.00}, the {$80.00} from the lost investment, and the hrs. I spent on the phone getting nowhere and losing out on work sales. this does not really take into account the extreme stress they created by locking my account and illegally holding my funds. To add insult to injury, today XX/XX/24, after receiving an email to show my statement, they once again locked me out of my account. After spending another XXXX XXXX minutes on the phone being told they needed to authenticate my bank account, which XXXX had not changed since I transferred XX/XX/24 and XXXX. I was not currently trying to deposit or withdraw. The repeated illegal locking of my account and then wasting my time to remedy the situation is ridiculous and feels vindictive. I was not called, emailed or text about the bank account needing to authenticate. They just lock my account up. It is VERY UNNERVING, to not have access to my OWN MONEY again. I have screen shots from their website during the time they withheld my money and there was nothing about new procedures or longer times for transfers and authentication