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

hello, the XXXX XXXX  account that appears on my XXXX XXXX and experian credit reports was charged off in XXXX in the amount of {$1100.00}. this account has shown this balance and never changed until XX/XX/XXXX where suddenly the balance changed to {$1100.00}. i have disputed with all 3 credit reporting agencies about this account for inaccurate reporting and each time it is verified as accurate when in fact the balance is not correct. each time the status date on this account has never changed as well so how can the account have properly been investigated? ive also requested proof of the balance as it is my right to have only verifiable information reported against me and it has been to no avail. also the information reported on this account does not match across all three reporting agencies so how could they in fact be properly investigating this matter?? if the information on an account can not be verified it must be deleted from the consumers report. it is a violation to report information on my credit file that is inaccurate and unverifiable. also there are inconsistencies between the agencies reporting this account like payment history does not match, missing payment history, date of first delinquency monthly payment and etc of which errors i have encircled and or highlighted in the documents i have attached to this complaint.. thank you for your assistance with this matter.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5900.00} XXXX  XXXX  XXXX Balance : {$27000.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX  XXXX Balance : {$2700.00} XXXX  XXXX Balance : {$4000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have/had a Home Equity line from Chemical Bank loan number XXXX. I received my Statement from Chemical Bank for XXXX and it showed the total balance due. The loan is current. I called the number on the Statement on XX/XX/XXXX and was told that a letter was sent to me in XXXX informing me that they were closing the loan in XXXX and I should seek alternate financing. I called a mortgage broker I know and he ran a credit report. I had some late payments on my primary mortgage and he told me that until I make 12 consecutive on-time payments no other bank would consider refinancing. 

So I called Chemical Bank back and they referred me to the loan department. I was informed that had I called earlier they could have done something but the loan is closed. I explained that had I gotten their letter I would have contacted them immediately. Furthermore, there was nothing indicating timeout on my monthly statements, no one called me and I did not receive a registered or certified notice. They told me there was nothing they could do and referred me to collections. I called collections and spoke to XXXX XXXX Option 1. XXXX checked to see if there were any options. She called the next day and told me there were none. I could refinance or sell my house. I explained why I couldn't refinance. I told her I am perfectly capable of paying principal and interest for a year until I was eligible to refinance. She told me I couldn't do that and I should sell my house. I said I am a senior citizen recovering from XXXX, on XXXX, and you want me to sell my house because you sent a letter and I didn't get it? She said how could you not have gotten the letter? 

I said I have spoken to three departments, none of which can help me, and I obviously need to speak to someone higher up in the bank. She tried to get her supervisor on the phone but he was not available. She asked if I wanted to file a complaint and I said yes. She told me someone would call me back. It is XX/XX/XXXX and no one has. 

I called collections back the following day, spoke to XXXX and asked for a copy of the letter they claim they sent back in XXXX. I still have not received it. 

I am concerned that they will put my loan in default, ruin my credit, and ensure that I can't refinance, which is what I need to do to solve the problem. I could understand if I wasn't current on my payments, or couldn't pay principal and interest but I am current and offered to pay principal and interest. I can't believe all this grief because I didn't receive a snail mail letter. And finally I am concerned they could foreclose on my house.
Product: Credit reporting or other personal consumer reports

The below account is showing incorrect information and has been reported wrong for more than 2 years. If this is not corrected I will be contacting a lawyer. This account was paid in full and I have proof. XXXX  XXXX is knowingly reporting false information. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$39000.00} Nice! You've paid off 100 % of this loan OVERVIEW Highest balance {$39000.00} Monthly payment -- Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Term 73 months ( 6 years ) PAYMENT HISTORY You've made 86 % of payments on time XXXX Last payment XX/XX/XXXX Payment status In Collections/Charge-off
Product: Credit reporting, credit repair services, or other personal consumer reports

I have n't asked for this company to provide me a debt verification and validation and they have failed to provide me that information the other credit bureaus have removed this off my credit report due to this company sending me several letters indicating that they were going to take this inquiry off of my credit report and that they were no longer going to report anything negative on my credit report they have sent me several letters stating that they were going to take it off of my report and they continuously put it on my credit report I am requesting y'all to ask them to provide you the letters that they have sent to me. I have provided them all of the information that they have requested and I have disputed this several times and XXXX will not take this off my report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL 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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I entered into a mortgage loan agreement with  XXXX   XXXX ,  XXXX  on  XXXX / XXXX / XXXX . In  XXXX  of  XXXX , the loan servicer was switched to  XXXX   XXXX . In  XXXX  of  XXXX , the loan servicer was switched again to LoanCare , LLC. I was notified of the switch via mail on  XXXX   XXXX ,  XXXX . During the most recent switch, LoanCare , LLC lost track of an {$850.00} payment which I made on  XXXX   XXXX ,  XXXX .     I have been making bimonthly payments on the Mortgage each month since the loan agreement was signed. The Mortgage clearly states that the following in  Article 4 : " 4. BO RROWER 'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due ... I may make a full Prepayment or partial Prepayment without paying a Prepayment charge. '' This is printed on pag e 1 of 3 of the Mortgage agreement. It is literally on the face of the Note. When investigating the missing { $850.00} payment, LoanCare , LLC informed me that they do not accept partial payment. I am requesting assistance with the following   two items : 1. Enforcing specific performance on LoanCare , LLC, so that they honor the terms of the contract and accept partial payment.
2. Ensuring that LoanCare , LLC recognizes all former payments for the Mortgage, including the {$850.0  0} made, and accepted, on  XXXX   XXXX ,  XXXX , to be applied to  XXXX   XXXX .     As you know, contract law allows for the sale and transfer of a contract, such as a Mortgage. While transfer of a contract is acceptable, it does not allow the purchasing party to unilaterally change the terms of the contract. The purchasing party is still bound by the terms of the contract, as is the counterparty, myself.     Thank you for your assistance.     Sincerely,  XXXX   XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates has been repeatedly violating the FCRA by reporting as a " Factoring Company '' on consumer reports when they are in fact a " Debt Buyer. '' On my XXXX report, pulled on XX/XX/2018, PRA is reporting as a " Factoring Company. '' I first noticed the account type being reported on my report after looking through posts online at XXXX. There are numerous people reporting this same issue. PRA is a predatory company with no regard for the law as there are reports of them removing accounts from others reports but still reporting as a " Factoring Company '' on others. How many times does a consumer have to bring this to the attention of CFPB before any action is taken? They have clearly lied about violating the FCRA after proof was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the following bankruptcy that needs to be removed in my file : XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX
Product: Debt collection

Despite my continuous efforts to dispute and correct the late dates associated with my account, there has been a complete lack of resolution from your end. 
I insist that you conduct a thorough review of my dispute and rectify the inaccuracies promptly. The payment was made within the stipulated time frame, and I expect the credit report to accurately represent this fact. 

The account in question is as follows : 1. Creditor Name XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/2017 I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and the inclusion of inaccurate information on my credit report is a direct violation of those rights. I demand that you remove the inaccurate late date associated with the account mentioned above within the next 15 days.
Product: Credit card

Hello, I recently used my AMEX Everyday Visa card for 2 rentals in the month of XXXX. AMEX charged me {$24.00} per rental for premium insurance which I did not recall signing up for. When I called AMEX to report these charges they said I signed up for it in XXXX which if it was true was done deceptively. 
I made two calls to AMEX 1 ) On XX/XX/XXXX to notify AMEX about the charges. The agent said she will create a ticket and refund the amount within a week and I will receive a letter. 
When I didn't see the amount refunded and neither a letter I called back on XX/XX/XXXX and spoke to a supervisor by the name of XXXX who mentioned that AMEX will not be refunding this amount since the rentals were consumed. 
This is a gross unethical practice by AMEX by using a deceptive method to get customers to sign up for premium insurance 12 years ago and then not notifying them. I have requested copy of the confirmation of my signup from XXXX but haven't received one after multiple calls. 
I would really appreciate if CFPB could look into these practices by AMEX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  ending XXXX and XXXX XXXX XXXX account ending 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, I reached out to Roundpoint Mortgage on multiple occasions to remove PMI based on XXXX XXXX XXXX borrower initiated PMI removal criteria ( linked below ). I've mailed the requested form in on multiple occasions, as well as emailed it ( most recently ). When I call them, they state that department does not have a phone number or email, and they will reach out to me ( which they never do ). I also emailed them the form over a moth ago, still no response. 


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

NAME XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall 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 of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the de accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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}
Product: Mortgage

I applied for a modification on my mortgage with ocwen back in XX/XX/XXXX. I am the sole borrower on the initial and present loan on my home. To this date, I have received the same modification agreement to sign XXXX times. Ocwen is requesting that I have my spouse that I separated from in XX/XX/XXXX, that is not on my initial or present loan/credit application for my home, a person that I have no information on his whereabouts to sign the modification agreement. I have spoken to an attorney who has advised that Ocwen does not have a legal right to request information on someone that is not on the loan/credit application. I asked my relationship manager, XXXX XXXX if I could have a direct number to the departlment that I could pose the question " regarding separated spouses and the how it would affect the modification agreement ''. He stated they did not have a direct phone number and that inquiries had to be emailed, which I think is not fair to a customer that has speculations on the information that they are being given about a particular subject matter. I also have concerns that my payments are not being posted correctly to my account. They are listed as supense payments. My concern is that since the payments are not being posted, and if the modification is denied due to my not being able to provide a signature from a person Ive been separated and not seen in 13 years, the interest and late fees are continuing to ballon and cause my payments to unaffordable. Im and 99.9percent sure there must be a clause that in the modification programs that applies to my particular situation but am not sure what it is. I also think late charges and interest compounded during this process should be waved. I have done my part as a consumer in signing the necessary papers as the sole and only borrower on my initial and current loan documents. Ocwen requiring information on someone that is not on the credit application is illegal. I have also read reviews how they have canelled the loan on customers that have requested help through available agencies. I hope this will not be the case. I hope they will be fair and understanding.
Product: Debt or credit management

On many occasions Experian App tool for credit fixes and monitoring has sent me pre approvals for credit cards and when I apply I am not approved. But unfortunately my credit soft pulls add up and eventually my score is diminished. They personally know I am not approved and they continue to trick me into thinking my credit is good.when it's not. I have tried to resolve this issue by unsubscribing from the emails. I had also subscribed to the sites premium service for several months with hope to repair my credit with no resolve.
Product: Credit reporting or other personal consumer reports

The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian, XXXX, and. XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 ( ii ) PROMPTLY notify the furnisher of that information that the information has been modified or DELETED from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

An account with XXXX was delinquent in XXXX and listed as charged off in XX/XX/XXXX. The account has remained in that status since. XXXX contacted all 3 bureaus and has the account updated to reflect closed as of XX/XX/XXXX. This action caused my credit score to drop by more than XXXX points. I have successfully disputed this with XXXX but XXXX and Equifax will not correct the error. I am not disputing the debt but the information about when the account was charged off is incorrect and multiple credit reports generated prior to XX/XX/XXXX will show the first delinquency and the original charge off date. 

Per the company, an investigation into the matter found that the account was - reported your account as charged off on XX/XX/XXXX, with a {$4700.00} balance while I the investigation findings aligned with my records, they continue to report the charge off date incorrectly. The bureaus say that the error is on XXXX side, but they refuse to fix the problem.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries XXXX 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, credit repair services, or other personal consumer reports

Filed a complaint with XXXX Credit Report Bureau. Because the Texas Higher Education Board reported 4 loans on my credit as being late more than 30-days. The thing is that I had all my loans deferred while still in school and Active Duty. I first reported to them and they agreed that it didn't make sense but never did delete it or report the change. So we informed XXXX. We feel that XXXX did not investigate properly and do their dudiligence of deleting this misinformation. If they would have done the research, they would have seen that all the loans were grouped together and there is about 6-7. S0 4 of them reporting late does not make any sense. If they are grouped together in my payments, they would have all been late together. There has never been any payments on these accounts because they have always been deferred. The information is incorrect reporting and I need it to be deleted.