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

XXXX XXXX XXXX  credit card is being reported negative on my credit file and it doesn't belong to me. the account and balance do not belong to me and this is fraud. I have notified the three credit bureaus as well as XXXX XXXX XXXX and sent in the police report and this account was to be removed from my credit files. I still see I t appearing and greatly effecting my crtedit in a very negative way. this credit card and balance being reported on my credit files does not belong to me. this account should be deleted from my files as thisis fraudulent and doesn't belong to me
Product: Mortgage

They set up an invalid escrow account and applied all my mortgage payments to the invalid escrow account. 

They were notified that I had insurance repeatedly, but they kept paying a second insurance payment for me and ignored the one I had. 

They refused to work with me no matter how many times I reached out, they kept telling me they were " helping me ''. 

Stealing from me yes, helping me no.
Product: Debt collection

X/XX/2017 : filed a complaint with CFPB X/X/2017 : ProCollect is contacting me directly at my personal number. I provided proof that I do not owe the debt X/2017 directly to ProCollect. ProCollect should be contacting me through my attorney but are instead harassing me at my personal number and claiming I gave fake information for my Attorney.
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. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX 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 Transunion. 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 XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion 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 XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

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 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
Product: Credit reporting or other personal consumer reports

I suspect these accounts are the product of identity theft : XXXX XXXX {$0.00}, XXXX XXXXXXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX  {$170.00}
Product: Credit card or prepaid card

To Whom It May Concern : My name is XXXX XXXX and I am a Walmart Credit Card holder. I use my card tremendously and I am excited to have it. On XX/XX/XXXX I made a payment on my bill for {$100.00} that payment was presented to my bank account at XXXX XXXX and later returned. On XX/XX/XXXX my account with Walmart was closed because the payment was returned. I am beyond XXXX off because I have and had enough funds in my account to pay the {$100.00}. 

I on XX/XX/XXXX got in contact with my bank and told them about the situation of the payment being returned. I was then told that the debits were processed before the credits hit the account. Even though the all these transactions were done on the same day within seconds of each other. I have a printout of the transactions showing all the transactions. The direct deposit was pending on my account on XX/XX/XXXX and posted on XX/XX/XXXX. The payment from Walmart was also returned on theXX/XX/XXXX even there were more than enough funds in the account. I was told that I could have contacted them to pay the items but, that is something most customers arent aware of. 

I work hard to keep my credit cards and I work hard to get them. I would never intentionally make a payment and not pay it. I pay my bills each and every month. I, dont feel that this is my fault and my credit card should be re-opened. I have since made two payments on the account as well. 

I am asking you to please re-open my credit card account as this is not my fault and I should not be penalized for it. 

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

I notified Transunion that an account apparently owned by XXXX XXXX XXXX XXXX corresponds to an account that was over 10 years old which should no longer appear on my credit report. They claim to have investigated the dispute but they claim to have verified that it was accurate despite the account being over 10 years old. Since the account is over 10 years old they can not have any valid proof that I entered into any agreement that corresponds to a valid and current debt. I have previously notified XXXX XXXX XXXX XXXX in writing that I believe this debt is too old to be reported on my credit report and asking them to provide documentation showing that it is a valid/current debt but they have ignored my requests for information and are instead fraudulently reporting this on my credit report.
Product: Credit reporting or other personal consumer reports

I submitted my application to the XXXX program in XXXX via XXXX XXXX XXXX, well ahead of the loan payment restart. However, my loan servicer ( Edfinancial ) has alleged that they never received the information. As a result, I resubmitted my application directly with them on XX/XX/XXXX and they informed me of my new payment amount verbally. Moreover, they were in the midst of a system change during this period. Since then, I have been diligently reaching out to them, requesting a letter to confirm my new, lower loan payments. 
Regrettably, they have informed me that the letter can only be generated once the information is processed. Given that my home closing is scheduled for this week ( XX/XX/07 ), it is imperative that this issued gets resolved and I expressed the urgency of the matter. Despite speaking with a supervisor last week, who assured me they would expedite the process as an emergency, I have yet to receive any letter or email. If I do not receive the letter confirming the lower payments by tomorrow ( XXXX ), my home closing will be jeopardized. I urgently need an official email/letter from my education loan servicer, stating the new estimated payment amount. 
Attached below are the original correspondence I received from Federal Student Aid in XXXX, as well as the notification from Edfinancial regarding their system change and an email from Edfinancial acknowledging receipt of my XXXX application ( that they claim they didn't receive ). Thank you in advance for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

I am filing a complaint against Mr. Cooper, the company currently servicing my mortgage loan, originally with XXXX Mortgage. Since the transfer of my mortgage servicing to Mr. Cooper, there have been ongoing discrepancies in the Unpaid Principal Balance ( UPB ). 

Incorrect UPB : Mr. Cooper 's records indicate a XXXX of {$190000.00} as of XX/XX/2023. However, the loan history summary from XXXX Mortgage shows a different XXXX of {$190000.00} for the same date. Despite my requests, Mr. Cooper has not verified the XXXX with XXXX Mortgage, leading to a significant discrepancy in the balance. 

These issues have caused financial discrepancies and considerable distress, as I am unable to ascertain the accurate status of my loan. I have attempted to resolve these matters directly with Mr. Cooper but have not received a satisfactory response or correction of the errors. 

I am seeking assistance from the CFPB to ensure that Mr. Cooper verifies the correct XXXX with XXXX Mortgage accurately and promptly. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that were not mine. Not even my name. Transunion, XXXX  have allowed these people using wrong names to add to my credit report along with wrong addresses and I have already went to the companies and they are all fighting with me to remove them. I have had to fight XXXX along with 9 hard inquiries the companies XXXX  and transunion keep saying verified. XXXX has deleted them. I have spoken to all these places and they did agree to remove them yet none have been removed when I disputed them. Had they actually investigated these they would have been removed. I have requested both places to send me all verification info and also the information for the companies verifying them and have recieved nothing. I am a victim of identity theft from applying for credit and also even having collections account for XXXX and also XXXX even a XXXX XXXX that was not even my name. addresses not mine and these companies had they verified the 3 things as they are suppose to then this would not be happening. My contact info is XXXX XXXX XXXX. Please get in contact with me. on both Bureaus there are 9 fraudulant inquiries and they absolutely refuse to delete them. I can not even protect myself under the FCRA because they do not follow these rules.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to SYNCB/RMSTGO XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian to explain theyre reporting inaccurate information. The accounts do not belong to me so please remove them and they came back to say the accounts are verified in less than 24 hours. I provided proof that I was born in the year XXXX so it is not possible for the accounts to be mine because I was around 14 years old when the accounts were established. I atttached my license, voter registration card, diploma, and a picture of me holding my high school diploma on XX/XX/XXXX but they refused to remove this inaccurate information. Please help me.
Product: Credit reporting or other personal consumer reports

I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they believe the disputes are originating from a third party. This is not the case, as the disputes were filed directly by me. I even contacted them to confirm my identity, but despite this, they still refused to process my disputes.

I have wasted both time and money mailing my disputes, as well as sending personal information to verify my identity. Unfortunately, they did not conduct a thorough investigation into my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C. 1681 Section 604 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Product: Credit reporting or other personal consumer reports

Inaccurate information on all 3 credit bureas violation FCRA everything should be 100 % accurate, open dates on accounts, last reporting date inaccurate, 15 USC 1681 Violation of my rights, 15 USC 1681 section 6048 violation of my rights.
Product: Debt collection

I have filed complaints on the doctor, XXXX and the collection agency, ( XXXX ), with you earlier this month.for a doctor bill that i dont owe and should never been sent to collections.I heard back from the collection agency and they said the doctor with drew the account from them, and totally closed the account.i am now putting in a complaint on transunion to get it removed from my credit report
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off account listed below. After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account. Account # XXXX citibank macys
Product: Debt collection

Recently I reviewed one of my credit reports and notice there was some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address, and telephone number be updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following accounts in dispute are listed below : PROFESSIONAL BUREAU OF COMPANY XXXX #, XXXX XXXX # XXXX, XXXX XXXX XXXX ( MEDICAL ) # XXXX, # XXXX, XXXX XXXX XXXX # XXXX, U.S DEPARTMENT OF EDUCATION # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, XXXX and TransUnion Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX
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. I sent a letter to XXXX on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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. 
XXXX. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to inthe consumer for that description. 

But they did not do that as well either. 
They are also breaking these laws as well below. 

According to 15 USC 1681i ( 5 ) it states this ( 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 shall ( i ) 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 According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had to purchase reports to attempt to fix inaccuracies in my report. I keep trying to dispute things and getting timed out and then eventually locked out.
Product: Credit card

I was going through a financial hardship and my discover credit card was closed and charged off. I've reached out to Discover to request a 1099-C for the charged off debt. Discover refuses to provide one.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Let me also add that I was a victim of the XXXX and XXXX data breach. Ever since the data breach occurred, unknown accounts have been appearing on my credit reports and the credit reporting agencies have done NOTHING to verify the ownership of these accounts. XXXX XXXX XXXX is reporting collection accounts on my personal credit reports with a hospital in XXXX, XXXX dated to XX/XX/year>. I DO NOT LIVE IN OR NEAR XXXX XXXX nor HAVE I EVER BEEN TO A HOSPITAL IN XXXX THAT WAS LOCATED IN OR NEAR XXXXXXXX XXXX. The fact that my confidential information could possibly be tied to a random human being is disgusting! I want these accounts deleted from my credit reports immediately!