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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express profound dissatisfaction regarding the persistent presence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the banks associated with the fraudulent accounts. While they confirmed the validity of the report, they indicated their inability to provide records. Nevertheless, they assured me that the fraudulent accounts would be expeditiously removed. It is noteworthy that both XXXX and XXXX have already expunged these accounts from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify these accounts when the aforementioned bureaus have already removed it. I urge you to delete these accounts from my file, as it is marred by inaccuracies, errors, incompleteness, or unverifiability. 

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

On XX/XX/28 I was denied for my XXXX XXXX credit card ( which Ive made payment on in a settlement agreement ) XXXX XXXX housing property manager said it was listed on my credit report as a landlord tenant. The system XXXX XXXX Renewal Uses is Safe rent solutions and they provided me with a copy of the report and told me in their system it is shown as a credit card but XXXX XXXX denied me and listed as tenant/landlord. That is NOT a tenant/landlord is is a Credit Card and XXXX XXXX XXXX says their system identifies it as a credit card and they dont know why XXXX XXXX put it as landlord lord tenant and they couldnt call XXXX XXXX to tell them I would have to. 

So XXXX XXXX denied me incorrectly. I called to speak to a manager to rectify this ( see screenshot of phone call ) and the representative told me there wasnt one available.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 A Section 2 : It also states a consumer reporting agency can not furnish a 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.
Product: Credit reporting or other personal consumer reports

I opened checking account on XX/XX/XXXX with Wells Fargo and kept a XXXX  account history with them. I retrieved my XXXX  report only to find that on XX/XX/XXXX Wells Fargo reported that I overdrew account. That is false and defamatory and I request they investigate to correct their error and remove this information. I would need to see proof of a bank statement showing the amount overdrawn otherwise remove this info from my report.
Product: Debt collection

Hi my name is XXXX XXXX my last XXXX numbers of my social are XXXX, I am writing to formally dispute fraudulent accounts with XXXX  XXXX XXXX and inquiries that have appeared on my credit report due to a data breach that compromised my personal information. I did not authorize these accounts, and I demand their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681c-2 ] and Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I have suffered for many years the reporting of accounts that do not belong to me. I currently have a collection on my credit report from Phoenix Financial Services for {$1500.00}.
Product: Credit card

In XXXX, the average credit card interest rate is 22.63 %, which is a significant increase from XXXX when the average was 16.98 %. Credit card interest rates are usually based on the prime rate, plus a margin that varies by card and the cardholder 's credit history. As of XX/XX/XXXX, the prime rate is 8.00 %. 

As of XX/XX/XXXX, the interest rate on my VS credit card is 32.24 %, which is 10 % above the average credit card interest rate. As of XXXX, upon opening credit card account with a credit limit of {$800.00}, VS stated financial terms of my account indicated the annual percentage rate for purchases to be 26.49 % instead VS " statement for the month of XXXX reflected an APR of 27.24 %. Again, this rate in excess to the average for the year of XXXX. Subsequently, my credit line was reduced even when more than the minimum payment was being made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a customer of capital one for over 6 yrs, never a late payment because I enrolled in auto pay. For some reason three times I was knocked off due to no reason of my own and ended up over 30 days late which is affecting my credit tremendously. Ive contacted cap1 several times on it and even spoke to a superior and they agreed that it didnt make sense.
Product: Mortgage

PHH mortgage purchased placed insurance on the property when my insurance expired. That was not a problem. I was notified to submit approximately {$2500.00} to cover the cost of the policy or PHH would place an escrow on my mortgage. I submitted the required money to reimburse PHH for the policy. They then refused to cancel the escrow account until I obtain a different policy even though I reimbursed the cost of a yearly policy. So I paid the {$2500.00}, and now I am paying an additional {$270.00} per month. I am trapped an trying to buy a policy but not getting cooperation from PHH. 
I have tried multiple times to contact their insurance department to obtain a copy of the policy, but keep getting cut off from the call for various reasons. 
I have tried to resolve this for the past 6 months and am frustrated by the lack of cooperation from PHH, and the multiple conflicting communications I received in the mail from them. I receive notices that the escrow is cancelled, then one saying it is not. Then another notifying me of the date my escrow is cancelled. 
When I call the customer service, its like the first time every time I call and I have to retrace my steps every call, this makes it nearly impossible to move forward. No body I talk to can help me. I am trapped into an escrow account while they continue to hold the money they asked me to send in to end the account.
Product: Credit reporting

I have filed multiple disputes going back as far as XX/XX/2015 regarding information regarding XXXX XXXX XXXX, XXXX XXXX and XXXX and that is reporting on my credit report and Equifax has failed to provide any verification that the information was correct, They will just send out any email stating the investigation has been completed ( generally in a 1-10 day ) however never provide the information collected and the damaging information remain on my credit report. Also after the " investigation '' my credit is generally damaged even worst. They also sent out an email stating that a Judgement would be deleted from my report however the Information is still reporting on my credit report. I have contacted the creditors as well as equifax to correct the information without success. I do not feel that Equifax is investigating the disputes, I feel they are just waiting a couple of days and sending out a resolution email without providing proof. I feel this is unfair treatment and dishonest treatment in regards to customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE LATE PAYMENTS : 1 ) XXXX XXXXF 2/ XXXX XXXXXXXX 3 ) XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX CLOSED WITHOUT KNOWLEDGE )
Product: Bank account or service

i originally opened a checking account with XXXX XXXX. XXXX was bought by Wells Fargo. the terms of the account was that it would be a free account. once again, Wells Fargo is attempting to change the terms of the account and charge basic fees for me to remain a customer. there is no address at which to file a complaint. there is no email address. i called. the rep had no power to do anything. i requested a response to my complaint, in writing. have heard nothing from Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. please remove them from all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft HSBC BANK Account Number : XXXX**** This is not mine.

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX**** This is not mine.

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXXThis is not mine.

4. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Credit Bureaus/Agencies ( XXXX and TransUnion ) and the Creditors ( XXXX XXXX ( 2 ) and XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX fraudulent accounts. the bureaus just ignore me
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding : Acc # XXXX discrepancies Each credit bureau is reporting different account information for the same exact account. The information in my credit file is erroneous and I want it removed immediately. I did dispute this information and I have not received any evidence of this alleged account information.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on My Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments and discrepancies reported on my credit file for my XXXX XXXX XXXXXXXX account ( Account XXXX XXXX XXXX XXXX. These inaccuracies violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant U.S. laws. Below, I have outlined the nature of the complaint, including specific errors, violations, and my requested resolution.

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for this account are inaccurate. Specifically, the reports indicate late payments for the following months : XXXX and Experian : 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 
XXXX : 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 
My payment history shows no record of late payments, as I have consistently made my payments on time and have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : These discrepancies violate 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to ensure maximum accuracy of the information in consumer reports.

Under 15 U.S. Code 1681i, credit bureaus must conduct a reasonable reinvestigation of disputed information.

Additionally, 15 U.S. Code 1681s-2 mandates furnishers of information to provide accurate data to credit bureaus.

Violation of Other Consumer Protection Laws : Truth in Lending Act ( TILA ) : Mandates accurate reporting of credit information. 
Fair Debt Collection Practices Act ( FDCPA ) : Protects consumers from false or misleading representations about their accounts. 
Account Information : High Balance : {$430.00} Date of Last Activity : XX/XX/year> Balance Owed : {$39.00} Payment Amount : {$49.00} Credit Limit : {$3700.00} Requested Resolution : I request : Conduct a thorough investigation into this matter as required under 15 U.S. Code 1681i.

Provide detailed information and evidence supporting the reported late payments for XX/XX/year>, XX/XX/year>, and XX/XX/year>. If no evidence can be provided, I demand that the inaccurate entries be removed from my credit file.

Correct all discrepancies to ensure my credit file accurately reflects my 100 % on-time payment history.

Provide written confirmation of these corrections within 30 days of receipt of this letter.

Failure to resolve this matter promptly may lead to further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies as outlined under FCRA Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ). 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

My name is XXXX XXXX. My mortgage servicing was transferred to LakeView Loan Servicing effective XXXX. My experience with LakeView has been a complete disaster as they continue to claim that I have not made payments, which I have proof of payment in my bank statements and pay by phone payment records. Lakeview continues to claim that I am past due in payments, when in fact I have made multiple payments, multiple times to clear up their accounting errors. They have erroneously reported past due and late payments on my payment record. They are currently, right now, holding onto payments that they refuse to correctly apply to the account. Their customer service, or lack there of, is reprehensible. If I could have ANY influence on firing them, they would have been gone long ago. Their business practices are substandard. I want help resolving my payment issues with them as I continue to make every effort to take my business elsewhere. 

Sincerely, XXXX XXXX
Product: Mortgage

In three days it will be four months ago that I applied to refinance my mortgage with NewRez. I knew it would be a lengthy processes and provided the documents and information promptly when asked. I was encountering an issue that I wanted to briefly speak to someone about and contacted NewRez on XX/XX/21. On XX/XX/21, a junior processor contacted me for more documents which I provided. He believed I would close on XX/XX/21. I was unavailable that date, so contacted multiple people to discuss by email and phone messages. No one returned any of my contacts. On XX/XX/21, I received a closing disclosure stating I would close XX/XX/21. That date passed and no one would respond to any of my calls and emails still. I finally reached a representative that said my primary contact XXXX XXXX was available to speak to me. However, Mr. XXXX refused to speak to me and never contacted me back. On XX/XX/21, a representative from the Hope program did a conference call with me to NewRez and someone had to finally speak to me. I was told someone would contact me back by XX/XX/21. On XX/XX/21 I finally received a follow up from my months of requests for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my disputes to you, and I didn't get a response within 30 days, and you are required by law to do so. Please investigate my disputes. Thank you.
Product: Vehicle loan or lease

Due to COVID impact on my family I missed my car payment. The following representives contacted me via email : XXXX XXXX and XXXX XXXX. This resulting in me signing an agreement/payment plan to help me get back on track with my payments. I made the payments as explained to me via phone from XXXX XXXX. Later on that year XX/XX/2021 I received a 30day late. I contacted Consumer Portfolio Services. INC on and asked why did I receive a 30 day after paying the agreement offered? XXXX XXXX XXXX stated that I did not pay as stated in the agreement. This was not true I had proof of my payments and asked XXXX for a copy of the agreement I signed because it was signed online and I did not receive a hard copy or email copy of the agreement. This was XX/XX/2021 and the company Consumer Portfolio Service still hasnt mailed or emailed me a copy of the agreement. XXXX stated that all calls are recorded, I asked to speak to XXXX supervisor and asked if I could hear the recording that stated the details and payments dates of my agreement. The supervisor denied my request to listed to the recording. I believe because the recording will reveal that XXXX was verbally not kind to me and it would reveal that I made my next payment on the correct date XXXX told me to pay it on and should not have received a 30 day late. The company is not working with me. Will not provide me with a copy of the agreement, they refuse to take the 30 day late off. I have disputed this 30day late with all three major credit reporting agencies. I have had no 30 day lates over the lifespan of the loan. The most I could get from the Trade credit department was that my payment was due XX/XX/XXXX, and XX/XX/XXXX no payment was made. XX/XX/XXXX they reported me 30 days late and XX/XX/XXXX was my request for an extension. This all makes no sense and this was stated to me verbally. Without the agreement I signed online I have not way of disputing this incorrect report. They basically stated that my payment was received on the last business day of the month which was XX/XX/XXXX. I hope someone can help me with my case, I a being taken advantage of because I do not have access to the agreement the created. Consumer Portfolio Service. Inc. Does not support its consumers and treated me like a non paying consumer because my family was impacted by COVID. I know we all lack understanding about how hard it is when it hits your family but that is no reason not to work with you consumers. I have no 30 day lates. Please help me get this 30 day late removed it is incorrect. I refinanced my car loan because I do not want to pay a company that does not support their consumer and treats them bad.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach, and as a result, fraudulent accounts and inquiries have been made in my name. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent accounts and inquiries be blocked and deleted from my credit report. 
The following fraudulent accounts are the subject of this request : 1. XXXX Account # : XXXX XX/XX/XXXX {$110.00} Additionally, I request that the following unauthorized inquiries also be removed : 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, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several complaints with this company regarding this unverified account that is reporting on my credit file. This company ( XXXX XXXX XXXX ) provided protected health information without an authorization which is also a HIPAA violation. I have notified Experian of this violation and they refuse to comply with the law. Experian have repeatedly violated the FCRA by continuously reporting an unverified account that is in violation of HIPAA. My last letter to them explaining that this company has to have a signed authorization before releasing any type of medical information to me or to anyone else. Experian refuses to comply and is currently reporting this account as " Meets FCRA requirement '' which it DOES NOT meets FCRA requirements. Experian must be held accountable if they refuse to follow the law regarding reporting an account that is in violation of HIPAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.