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

I disputed inaccurate information on my credit report on several different occasions and the CRA 's ( XXXX, Experian and XXXX refused to accurately investigate while sending correspondences back stating everything was accurate. 

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 Experian 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 Not only does this account ( XXXX ) remain inaccurate, However, XXXX, XXXX and Experian failed to mark notice of dispute on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested to have the fraud alert removed from my credit report from all 3 bureaus. The alert is still on my credit report, I sent letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX.
Product: Debt collection

hello my wife purchased something for {$25.00} from XXXX on XXXX card 2 years ago. we moved to different place after couple of months. 
we updated our new address for all C.C accounts including XXXX. 
here, real story starts. after more then 2 years i tried to use my card in the store and it didnt work. so, i called XXXX and i came to know that they have closed my account for not paying {$25.00} and with interest it is now $ XXXX.so, i asked XXXX why did not they send any statement and they said they sent it at my old address. so i asked him how come they did not update my new address when i have already ordered few stuff from XXXX at my new address. and he said it was computer glitch therefor, it did not get updated at our end. he said that now we have your new address but unfortunately your account has been forwarded to collection agency.and he also said that send them fax and let them know about this address issue and they will consider and wont charge any interest. i said OK ill pay my unpaid bill and send them fax twice. i did sent them fax to resolve problem but finally they sent it to collection agency. 
i wonder why they did not send my statement to collection agency for more then 2 years. when i tried to resolve problem at that time they realize to send unpaid charges to the agency. i would like to pay my unpaid bill {$25.00}. probably they wont consider that. i want them to hear my telephone recording with XXXX customer care.how come they did not find out my new address when i ordered online from XXXX. why did not they tried to call me about this bill. 

please let me know how to resolve this problem. 
thank you XXXX
Product: Mortgage

XXXX ) Over the last 6 months, I have struggled to obtain partial pay-offs when selling individual assets within a portfolio loan. This has caused me to have thousands in losses due to their delays. On XX/XX/XXXX, I requested a partial payoff for a house that closes on XX/XX/XXXX. They say it takes XXXX business days yet I have yet to get the payoff as of XX/XX/XXXX. Another example : payoff request was sent in early XXXX by the title company. We had to re-submit the request again in early XXXX for a XX/XX/XXXX closing that didn't happen until XX/XX/XXXX. 

XXXX ) Fay Servicing does not record the partial payoffs on-time and in at least XXXX case at all. This means my monthly payments aren't getting amortized correctly as they don't have the large principal pay downs recorded at the correct time. On XX/XX/XXXX, I sent a message via their website after sending multiple emails in XXXX with no response. They currently have XXXX recorded pay downs for XXXX assets sold. 

XXXX ) Fay Servicing claimed to not have proof of insurance. I provided a new policy assuming the old one was canceled by them OR the prior servicer. They failed to pay the insurance policy correctly leading to it getting canceled. Fay proceeded to purchase a policy while I paid for the XXXX policy. This caused me to have XXXX policies after I found the XXXX policy contact information. I never received any proof of policy for the XXXX policy Fay purchased and it took 5 months for them to cancel it. I then lost thousands as Policy XXXX would only refund me to XX/XX/XXXX vs XX/XX/2022 the day Fay told me I had no insurance. 

XXXX ) Fay doesn't provide proof of tax payments per asset but instead generic a tax paid with the amount paid. As of now, I've had to pay out of pocket for XXXX assets that didn't get paid on time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX, XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Information Under 15 U.S. Code 1681o Dear Experian, I am writing to formally dispute inaccurate information on my credit report, which I obtained from your agency. The disputed item ( s ) are listed below : COLLECTIONS 1. XXXXXXXX XXXX-Account Number [ XXXX ] * Incorrect Information : DATE OPENED XX/XX/XXXX * PAST DUE AMOUNT : {$710.00} * THIS DEBT DOES NOT BELONG TO ME! I did not authorize for this account to be reported on my credit. 
* Correct Information : This Account Is not authorized by Me, nor do I have knowledge of this account. Please Remove it Immediately XXXX. XXXX XXXX ACCOUNT NUMBER- [ XXXX ] * Incorrect Information : DATE OPENED : XX/XX/XXXX - AMOUNT DUE : {$1500.00} * Correct information : This Account was not Authorized by me. I do not recognize this debt. XXXX. XXXX XXXX- ACCOUNT NUMBER- [ XXXX ] * Incorrect information : DATE OPENED : XX/XX/XXXX AMOUNT DUE : {$1500.00} * Correct information : This Account does not Belong on my report, it is not my account and I did not authorize for this account to be reported on my credit. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681o, credit reporting agencies are required to maintain accurate records and conduct reasonable investigations of consumer disputes. Your failure to ensure the accuracy of my credit report and correct these errors constitutes negligent noncompliance with the FCRA. 
I request that you promptly investigate this matter and correct or remove the inaccurate information. Please provide a written response confirming the results of your investigation within 30 days, as required by law. 
As evidence supporting my dispute, I have attached [ list any supporting documents, such as payment records, correspondence with the creditor, or identity theft reports ]. 
If this issue is not resolved, I am prepared to pursue my rights under the FCRA, including seeking damages for any harm caused by your agencys negligence. 
Please respond in writing to the address listed above. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to formally dispute the reporting of student loan accounts on my credit report. These accounts are inaccurate and unenforceable due to severe legal violations involving breaches of privacy and federal law, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act. 

It has come to my attention that my personal information associated with these loans was improperly accessed by unauthorized third parties, including XXXX XXXX and/or his affiliated entities. This unauthorized access constitutes a breach of my privacy rights and voids the validity of these debts. 


Legal Basis for Removal : 1. FERPA Violation : The improper handling and unauthorized disclosure of my educational and financial records violated FERPA regulations, which protect the privacy of student loan borrowers.

2. Privacy Act of 1974 Violation : The exposure of my personal information contravenes the protections guaranteed under the Privacy Act, requiring federal contractors and loan servicers to safeguard borrower information.

3. Breach of the Higher Education Act : The mishandling of my student loan information and unauthorized transfer without proper consent breached federal obligations to maintain the integrity of educational loan servicing. 

Given these violations, the continued reporting of these accounts is inaccurate and harmful to my credit profile.
Product: Debt collection

Lvnv Funding is trying to collect a debt that is not mine. There was a fraud alert placed on my account 5 years ago. I have no business with LVNV and was never called on fraud alert number to give ok to open business with them.
Product: Credit reporting or other personal consumer reports

I can not have this on my credit. I understand that it is an abuse that there is still this incorrect information under my name. 

XXXX - XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has not removed the old accounts from my credit profile since the last dispute!! 
I am tired of old information reappearing on my credit report, per Fair Debt Collection Act and Consumer Laws ( c ) Treatment of Inaccurate or Unverifiable Information ( a ), ( i ), ( ii ), ( b ) Requirements Relating to Reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( a ), the information may not be reinserted in the file by the consumer reporting agency unless the ( ii ) Notice to consumer of deleted information is reinserted the reporting agency shall notify the consumer in, writing not later than 5 business days after the reinsertion or if authorized by the consumer. ( iii ) A notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. { my statement on file that I want everything to be sent to me in writing & also a victim of Identity Theft, also 15 USC 1681 ( a ), ( 1 ), ( 4 ), ( b ) ( c ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( b ), ( i ), 15 USC 1681 I ( iii ) ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraphs ( 6 ), ( b ), ( iii ) not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution, 611 15 USC 1681 I ( c ) provide written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion!!! ( b ) Statement of Dispute ( d ), ( XXXX ). XXXX along with the reporting collection agency or Debt collection agency are not Adhering to the law of the Fair Debt Collection Act and the Consumer Laws, Both of these companies have caused me not to obtain credit!!
Product: Credit reporting

According to the New York State General Business Law Section 380-j " ( f ) ( 1 ) Except as authorized under paragraph XXXX of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information. 
( i ) bankruptcies which, from date of adjudication of the most recent bankruptcy, antedate the report by more than XXXX years ; ( ii ) judgements which, from date of entry, antedate the report by more than XXXX years or until the governing statute of limitations has expired, whichever is the longer period ; or judgments which, from date of entry, having been satisfied within a XXXX year period from such entry date, shall be removed from the report XXXX years after such entry date ; ( iii ) paid tax liens which, from date of payment, antedate the report by more than XXXX years or, a paid, satisfied or vacated tax lien involving a purchaser, transferee or assignee in a bulk sale transaction who has been deemed liable by the state tax commission for sales taxes due from a seller, transferrer or assignor under subdivision ( c ) of section eleven hundred XXXX of the tax law, where the receipt by a credit reporting agency from such purchaser, transferee or assignee of a notice, or true copy thereof, from the state tax commission to such purchaser, transferee or assignee that his liability has been wholly paid or satisfied or no longer exists, antedates the report by more than XXXX days ; ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than XXXX years ; " I called Experian and mentioned that I have a charge off that was sent to collection and since I paid the collection and it 's past the XXXX year of NY SOL to exclude it from my credit report. They was able to remove my collection account but refuses to remove the charge off that was tied to the collection account. This is a violation of the NYS Statue. I explain that this is blatant inconsistency in their application of the NYS statue, which groups both collections and charge-offs under the same exclusion provision. This is improper of handling by the CRA.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2022 I havent be able to view my current credit report on experian.com I have made several attempts to get current access but no success. Then when I do talk to someone they tell me my adddress isnt on my credit report then I have them to add it but I check the dispute and they still dont update when I sent a current copy of my identification. This last time I call to get this issue resolve they told me it would be resolved in 24-48 hrs and 4 days has passed and still I cant view my current credit report and my address is still not attached to my report. Also every time I try to get a current report it states that they have different personal information than my lenders and I dont see how. Please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

I am reaching out in regards to a situation with my mortgage company and HAF program ( also known as XXXX  ). On XX/XX/2024 I called XXXX in regards to my application and the remaining forward mortgage payment and fees accessed from mortgage company as the property went into foreclosure from XXXX not paying on time. I spoke with a representative and they informed me that a final payment of XXXX would be sent over to my mortgage company XXXX XXXX  and that there will be no more payments moving forward. On XX/XX/2024 XXXX forwarded the payment to XXXX XXXX to fulfill the last six month forward mortgage payment and foreclosure fees. Now XXXX XXXX is claiming that the wrong account was paid. How did this happen? I have been paying my mortgage on time since XX/XX/2024 and now XXXX XXXX  has negative my account the {$1100.00} reversing the funds out of my account and have placed my account as past due even though I have made payments faithfully each month before the due date since XXXX. This has affected my credit score as it has lowered my score XXXX points. I need to understand why XXXX XXXX is claiming that the XXXX program paid the incorrect account and have taken the funds out of my account. And if so, what happened to the funds that XXXX told me of back on XX/XX/2024 of {$1100.00}. When I call XXXX, they tell me that dont see any notes of me calling multiple times in XXXX which is hard to believe. When I talk to XXXX XXXX  that are forcing me to come up with this money or my account will remain past due. How is my account credited on XX/XX/2024 {$1100.00} but then taken out and reversed out of my account six months later on XX/XX/2024 because of a Cashier error. However, my account and mortgage statements do not reflect a past due balance and actually show that I am in good standing. So is XXXX XXXX  statement trying to steal funds out of my account and place them in someone else 's loan because none of my mortgage statements reflect a past due balance.
Product: Debt collection

Contacted by Resurgent Capital Services via Mail regarding a XXXX Debt to XXXX via XXXX XXXX account. Debt is outside Statute of limitations for debt collection for NY State and I was already sued in XXXX and WON against a prior junk debtor affiliated with Resurgent, LVNV Funding. LVNV could not establish chain of custody and was not the original debtor. Also was outside of SOL so the case was dismissed. 

It seems they are trying to take another bite at the apple and the letter states that " court rules require that you tell the court that the SOL has expired to prevent the creditor from obtaining a judgement ''. So I have to spend time and money to write a letter on something that was already dismissed but since the debt was sold to a partner of LVNV they can again try to do this to me? It seems there are really no protections for customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian continues to report the wrong negative information, I have called numerous times, I called in XXXX to request to speak with a Supervisor, I was told that one would call me back, It's XXXX and Im still waiting, I have disputed items and they continue to report that I am behind, when I am not late or have any missed payments recently but they continue to report late payments Experian continue to report that my Mortage is late, which it has not been late
Product: Credit reporting or other personal consumer reports

XXXX XXXX SSN : XXXX DOB : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit report agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX around XX/XX/year> under the account number XXXX, a collection account opened at XXXX XXXX around XX/XX/year> under the account number XXXX, a secured loan open at XXXX around XX/XX/year> under the account number XXXX, and a XXXX mobile landline account under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  loan ID # 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
Product: Debt collection

XX/XX/20 they have called 6 times XX/XX/20 they called three times and I advised them a payment would be made on XX/XX/20 XX/XX/20 they called 5 times XX/XX/20 they called one time and I advised I would make a payment XX/XX/20 XX/XX/20 they called 5 times XX/XX/20 they called 2 times XX/XX/20 they called 4 times
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax intentionally held up accurate credit reporting from my creditors. I informed Equifax that XXXX and XXXX were notified by 4 of my creditors and Equifax skipped an entire month or more of updates. When I called they ignored me and wasnt able to properly communicate being off shore and reading scripted responses. I was placed on hold for almost 2 hours on my last call them hung up on when no one wanted to address why my Equifax file was not updated in a timely manner. They stated every 30 days and the amount that was reported from the creditor in 30 days they did not input the details to avoid the work. My creditors even answered the disputed and they refused to updated even after being aware the amounts reported were incorrect. In turn Equifax improperly reflected my hood credit standing causing a denial in a major purchase. The representatives are very rude and dismissive .. this causes great concern when they have access to all of my personal information. To date this still hasnt been corrected.
Product: Debt collection

I had XXXX  home internet in XXXX iowa XXXX In XXXX of XXXX my wife and I moved to XXXX iowa. XXXX does not have service in XXXX so we had to cancel the account. So I obviously didn't have their service in XX/XX/XXXX. I have disputed this a few times in XXXX XXXX but have not gotten anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I think there is a big mistake in my report as I found accounts that I do not recognize you know?! I have no idea how these items ended upon my credit report. I do not have any contracts or agreements with these companies actually so delete these accounts from my report. I am requesting you to remove them as its pure identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

A request was sent to validate a debt that is being reported on my credit report by a creditor. Proof attached of mailing and receipt date XX/XX/23. Response was not made or validated within the 30 days alotted by FCRA. Asking to have this inaccurate account removed from my report ASAP. 2 Bureaus have failed to do so. XXXX has failed And XXXX XXXX has failed.
Product: Credit reporting or other personal consumer reports

I applied for a credit card at XXXX for a car repair on XXXX. Figured pay off in 6mths. Good deal. I use XXXX for my go to place esp. for oil changes, etc. They submitted my information and it came back as declined. I've never been declined on anything before. I went ahead and used my credit card to pay for the repair. I also spoke to the company when I was there. Verified my information, she kept saying I can't pull your information up. So why was it declined? 

I have since received a letter from XXXXXXXX XXXX XXXX  based in XXXX OH, never heard of them. They apparently furnish credit cards for different companies such as XXXX. Reason for declining, states : " Inability to verify your previous credit experience '' what the heck does that mean. 

It states on the letter that they use Equifax based in XXXX, GA. I went to look up my credit report through Equifax and find there was no soft or hard inquiry from this company. None. I think I may have been discriminated against due to my last name. I hope not. I want an explanation as to why this bank declined me, when they didn't even run a report through this credit bureau. The other two bureaus, XXXX and XXXX show my credit score in the XXXX 's. I wasn't able to see the score with Equifax.