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

To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some Inaccurate accounts posted on my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please delete and block from my credit report immediately 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please delete and block from my credit report immediately 3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXXXXXX XXXX Account XXXX : XXXX Please delete and block from my credit report immediately 4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please delete and block from my credit report immediately 5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please delete and block from my credit report immediately Your company is in clear violation of the law. Under 15 USC 1681b - the permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer.

Delete the above inaccurate accounts from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Mortgage

I refinanced my home with XXXX XXXX XXXX bank in 2012. They sold my mortgage to Carrington Mortgage company about a year ago. I have always paid more than the amount of the note when I pay my mortgage with the understanding that the extra money be applied to the principal on my mortgage. In XXXX Carrington misapplied the additional funds that I sent and applied them to the following month payment. I called them about this and they attempted to correct it but they didn't do it correctly. The same thing happened in XXXX. This time I wrote them a letter. They sent back a form letter promising to correct it by XX/XX/XXXX. They did not. Then, in XXXX, they did the same thing. This time I sent a certified letter. They sent a form letter ( identical the the first response except for the date ) promising resolution by XX/XX/XXXX. I am refinancing my house. Carrington 's errors have resulted in an over charge of interest and escrow money of approximately {$1000.00} to my account. I need their errors corrected and an ACCURATE payoff on my house.
Product: Credit reporting or other personal consumer reports

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target card. card was never late but saying it was a charge off. I have asked to update but nothing has changed.
Product: Mortgage

On the day before we locked in a mortgage rate I was sent a list of rates and applicable charges/credits. On that day the rate that we preferred was 4.125 % with a 0.25 % XXXX {$530.00} XXXX credit back to us. This was also the one recommended by the mortgage company. Due to the closing date we had to wait an additional day to request the 30-day lock. The following morning I contacted the person at the mortgage company I had been working with and told him we would go with the 4.125 % rate. The paperwork I received the following day showed a {$530.00} CHARGE rather than a credit. When I challenged this I was told, " I thought you knew that interest rates went up and that 's why it 's now a charge. '' Even if I knew that interest rates had gone up, how could I be expected to know how it would affect the points on the loan? And it should have been explicitly disclosed to me rather than my having to notice that a credit had turned into a charge. I believe this was done intentionally with the hope that I would not notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an inaccurate credit limit for my Premium XXXX XXXX XXXXccount. My credit limit was increased on XXXX 2023.They are also showing the wrong monthly payment. I will submit proof of the account ' correct credit limit, history of payments, etc. I submitted this same information to CFPB in regards to XXXX also reporting inaccurate credit report information concerning this account. I have emailed XXXX XXXX showing them copies of their own information. I tried to upload to Experian the same documents, but the website keeps saying that they can not upload the documents. I also called Experian, but they were of no help. XXXX XXXX  or Experian, or both are reporting on my credit report inaccurate information. I have already disputed this credit limit increase not being reported correctly, and their response to the dispute is that the lender, " XXXX XXXX XXXX '' is replying to the dispute that the incorrect credit limit and monthly payment is accurate. This is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report is filled with numerous errors, these account needs to be removed due to FAIR Credit reporting acting. 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts
Product: Credit reporting or other personal consumer reports

FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE XXXX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$310.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$100.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$430.00} XXXX XXXX  XXXX XX/XX/XXXX -- {$510.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$4000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1000.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$430.00} XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$340.00} UNAUTHORIZED INQUIRIES : 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

Dear Consumer Financial Protection Bureau, I am filing this complaint regarding an incorrect credit reporting issue on my XXXX, XXXX, and XXXX credit reports. 

I previously had a collection account from XXXX XXXX, assigned to I.C. System, Inc.. The details are as follows : Creditor : XXXX XXXX XXXX XXXX : I.C. System, Inc. 
Account Number : XXXX ( XXXX ) Original Balance : {$510.00} Current Balance : {$0.00} ( Paid in Full ) Date Assigned : XX/XX/year> Despite paying the account in full, the collection account remains on my credit report, damaging my score and making it difficult for me to obtain credit under fair terms. 

Reasons for Complaint : Fair Credit Reporting Violation ( FCRA 15 U.S.C. 1681c ( a ) ( 5 ) ) : Since this account has been paid in full, it should no longer be negatively impacting my credit profile.

Unfair Credit Reporting Practices : The collection agency has failed to update my account status correctly in a way that reflects my responsible repayment.

Request for Removal : Many collection agencies voluntarily remove paid accounts as a goodwill gesture, and I am requesting that this be done in my case. 

Thank you for your time, and I look forward to a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Around XX/XX/2013 I refinanced a loan with this company and surrendered my truck title as collateral. We set up auto draft so this company would always receive their payment on time. After paying off the loan I waited and waited but never received my truck title, finally I called this company only to be told they had mailed my title. I waited and waited again, 6 months had passed at this time and I started calling again only to be told they had just mailed it out. Again I have waited, called, left messages until I have given up and tried to apply for a replacement title only to find out this company is still showing my truck title with a lien against it, 2 years after it was paid off. I went by a local branch of this company and found out my title ad never been mailed, that it was sent to another branch over 400 miles away. Still I can not apply for a replacement title because this company is holding it hostage. I have checked all of my credit reports and it shows the account paid in full and closed, but I still have no title.
Product: Money transfers

On XXXX XXXX a wire transfer of {$23000.00} was made through Popular Bank from a corporate account in XXXX XXXX to a supplier 's corporate account in XXXX Bank, XXXX. To this date XXXX/XXXX/2015 the funds have not been received by the beneficiary. After numerous contacts and follow ups with Popular Bank 's representative we have been provided with little information as to what is going on. The bank charged me {$20.00} to do a TRACE on the transaction and 10 days later i still do n't have an official answer. after numerouse follow ups Popular Bank finally informed me that the funds were being withheld by XXXX XXXX XXXX XXXX XXXX bank ) because of an XXXX regulation. I verify the XXXX list and my supplier is not listed by XXXX and I ask the bank about it and they do n't know what the issue is because its XXXX XXXX XXXX holding the funds. On XXXX XXXX, Popular Bank informs me I need to provide additional information from the beneficiary, this information was provided the same day. Ten days have gone by and still we have no answer nor explanation as to why the money has not reached its destination or been re-deposited in my corporate account.
Product: Checking or savings account

I purchased fake tickets to the XXXX XXXX XXXX XXXX by XXXX XXXX  XXXX and have plenty of evidence to prove the festival didn't happen. The bank first refunded my money for the tickets which was {$260.00} and today I received a letter that the money will be charged to my account on XXXX, the bank will not help me and said I have to figure it out myself.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax '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 the account is accurate, without providing any evidence of & thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 credit bureau filed dispute I contacted the biller they have no initial account under my name or verification. I have several hard inquiry that shouldnt be on my credit report my credit report should be locked unless open by me. There some one that try to initial tried to apply for loan for vehicle under my name and also applied for mortgage loan which I never applied for thru any loan and credit card or line of credit company. I have had my Identity taken before it in the XXXX XXXX XXXX XXXX  XXXX someone was using my Idenity to commit Idenity theft using my name to gain access to bank banks mobile service, buy a car, buy a house and gain credit cards start business gain a copy of my cosmetology license to practice hair under my name using my name S S and address with a different mailing address its all financial gain.. They even gain access to full amount to my unemployment full payment from XXXX  for the pandemic. I been through criminal civil charge due to this person using my name for criminal Identify theft. The only reason case was dismissed driver license picture and fingerprints were no match. My phone and personal belongings were stole from hobby lobby as being customer at there store and my purse was stolen from car in XXXX and XXXX XXXX with a police investigation to my complaint I had made a police report of my stolen property token from my car. This was file thru the courts through consumers and 3 credit bureaus from the courts that Im victim of Identity theft. Several individuals using my personal identification and verification for gain financial., I would like all discrepancies of hard inquiries removed mortgage and disputes removed from my account I provided all information unless need to file with courts on this complaint
Product: Credit reporting

On XXXX/XXXX/2016 I was trying to shop around for a new apartment. I had my credit report pulled and I discovered that someone has been using my name for medical service and have utilies in my name. I filed a police report and started a investigation. I have the following items reported to the local authorities ( XXXX Police Dept. ) My Name and SS was used to open several accounts for business or services. There was a Medical bill from a XXXX XXXX # XXXX, XXXX XXXX I never received service in XXXX . There is a XXXX XXXX XXXX # XXXX for a XXXX account that I never opened. There was a XXXX XXXX XXXX XXXX # XXXX I have never done business with this company. XXXX XXXX system # XXXXThere was an account opened at XXXX XXXX XXXX not XXXX account. XXXX XXXX XXXX # # XXXX for a XXXX XXXX XXXX I have never lived at the address listed I do not know who is using my personal information at this time.
Product: Student loan

I had been overpaying on my SAVE because MOHELA incorrectly calculated my monthly payments. I called three times regarding that and they person on the phone agreed I was overpaying. It never reflected back on my account and I am owed months of overpayment. You closed out my complaint even though it wasn't addressed! 

In addition to this I was forced into forbearance, but I am accruing interest still. I was told I wouldn't accrue, and now I am. Why have I been told two different things? I was forced into forbearance ; they shouldn't force interest on a situation I do not have control over.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED from my Equifax and XXXX Credit report immediately : XXXX. XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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

Good morning, Fedloans failed to notify all 3 major Credit Bureau ( XXXX, XXXX  and XXXX ) that the account is now {$0.00} and is closed. Ive filed a dispute with all 3 Credit Bureaus but the account remained open showing a balance. Im approved for the Public Service Loan Forgiveness that erased the entire debt! Fedloans sent a letter stating approval and showed the account is {$0.00} but did not notify the 3 Credit Bureaus.
Product: Credit reporting or other personal consumer reports

someone is using my information to try and purchase a car
Product: Mortgage

Still no answer on who owns the loan. 
XXXX XXXX XXXX has not contacted us on ownership of loan. 
Why aren't they contacting us? 
Why is a third-party debt collector in charge of this account? 
Again, letter is written to find out what is going on. 
Third-party will not give us point of contact to owner. 
Instead of directing us to the owner, third party wants to foreclose. 
Third-party mentions in their business model, that they want to help avoid foreclosure, but why did they ignore us when we completed trial modification in XXXX of 2019. 
Since then we have completed numerous modifications and they have declined all of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account, nor is this my name listed.
Product: Credit reporting or other personal consumer reports

promo inquiries and closed accounts on my credit report inaccurate reporting of two accounts XXXX ) XXXX XXXX XXXX that account was sold to another bank once its been sold from the original creditor that's null and void and can't collect anything. 
XXXX ) XXXX XXXX- that account was closed in XXXX  that's not revolving if its closed
Product: Credit reporting

Synchrony Bank has XXXX derogatory accounts listed on my credit report via JC Penny and Walmart. Both accounts have remarks that state " paid after charge off to XXXX party collections. '' I called synchrony to establish a date of deletion and they informed me that they do not have any accounts details such as account number and date of deletion. It is my understanding that they ca n't report negative information to the credit bureaus if they do not have enough information to validate the account.
Product: Credit card or prepaid card

Filed complaint against capital one/Walmart on XX/XX/XXXX.the complaint id number is XXXX.requested a copy of the authentic signature of original contract and it was not provided.instead they opened a fraud investigation and I did not ask for a fraud investigation.applicable federal and state laws states that if requested documents not available that account has to be deleted off the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several letters to XXXX XXXX XXXX on XX/XX/2022, XXXX XXXX by certified mail still havent received a response from them to validate the debt of {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX of 2022 And XX/XX/2022 I went to check cars in dealerships. They were so aggressive to me and pushy. I notified them not to check my credit I told them my case and now when I checked they ignored me my desition and without my permission they did hard inquiries or run my credit. I am so mad and I found juat now that I have more than 13 hard inquires that affected me in my credit score. Those seller are super abusive they don't care about you just sell and make money. 

I called XXXX l, XXXX and XXXX they suggested me to reported them here. Here is the list the XXXX XXXX XXXX XXXX shared with me to dispute : 1. They check XXXX XXXX - Date : XX/XX/2022 XXXX. XXXX XXXX XXXX - XX/XX/2022 XXXX. Pentagon FCU - XX/XX/2022 XXXX. XXXX XXXX  ( 2 times they checked ) XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX ( 2 times checked ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting

I noticed an account in collections on my Credit Report back in XXXX and disputed. I received an Email on XXXX stating that it was in fact an error. To date, the collection is still on my credit report and has not been removed. I disputed this with Experian and the report number they gave me was XXXX and my investigative ID was XXXX. This needs to be removed as I am building my credit and this just hampers my attempt. 
I have pasted the email I received : The results of your investigation of information in your Experian personal credit report are now available for online viewing. For your protection, please review your results online within four days of the following date : XXXX review your results, go to the following URL and enter the requested information. XXXX Report Number is : XXXXYour Investigation ID is : XXXXThank youThis notice is systematically generated. Please do not attempt to reply or send email because we can not receive it.
Product: Credit reporting or other personal consumer reports

In my previous complaint I mentioned a violation that XXXXXXXX XXXX has committed and the statement I received from XXXX XXXX is verified. What is verified? Reporting missed payments, balances and due dates falls into experiences and transactions! Once again as 15 U.S code 1681a ( 2 ) Exclusions. States Except as provided in paragraph ( XXXX ), the term consumer report DOES NOT INCLUDE ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I XXXX XXXX is the consumer and XXXX XXXX is the person making the report. XXXX XXXX still is reporting these transactions and experiences.