23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Clarity Services has been giving, trading or sharing information on my credit report without my written consent as required by the 1974 Privscy Act. I tried to file a dispute with Clarity, but the website had no place to file a complaint. So, i am here to do so. I recieved a copy of my XXXX credit report on XXXX XXXX. I noticed there were XXXX inquiries on my credit report by Clarity and called the phone # listed. I got a message to leave a voicemail and someone would return my call. I did so, but nobody has reached out to me yet. Today i got my Experian credit teport and again XXXX inquiries not authorized by me. Thete are XXXX, by another company, XXXX from another company. Some one has to stop this. In todays world it seems we need a better way of credit reporting. And i for one think that we need to start from top and totally revamp what appears to be an outdated and corrupt system. I am fighting tooth and nail to get things off my credit report that are wrong, or left on for 6 yrs after they were told to take them off. Something needs to be done and fast.
Product: Credit reporting

I 'm at my wits end with these credit bureaus! I need help from someone before I get my attorney involved! I have accounts that are being reinserted on my file that were deleted previously. Some of them have been deleted and then reinserted and then deleted and then reinserted, etc. Each time they reinsert, I write to get them removed again. i am a victim of identity theft and all of these accounts were on the police report. I am so tired of this. At no time EVER did they notify me of the reinsertions, therefore, they must be removed solely based off of that! You will find the disputed accounts in the attachments.
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 three 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

In XXXX XXXX was sued in Federal Court for misappropriation and fraudulent reporting to all credit bureaus of my student loan payments. This is nothing new. I paid XXXX in full on XX/XX/XXXX, within the grace period, much before the late charge. XXXX transferred servicing my student loan to " Mohela '', but XXXX took my XX/XX/XXXX payment and did not apply it to the new Mohela account. Now Mohela is harassing me for the XXXX payment, saying it is due.
Product: Mortgage

Nationstar refuses to postpone Trustee sale despite the fact I have a signed contract and approval from Nationstar to short sale the property. One two separate occasions, the agents lied to me ( borrower ) by telling me that they are unable to postpone the auction without approval from XXXX ; however, XXXX told me that it is the servicer who requests the postponement of the trustee sale. It was n't until I spoke to XXXX at Nationstar today, XXXX XXXX that explained that Nationstar will NOT postpone a sale despite a signed contract if Nationstar has already postpone it twice. My XXXX seller 's offer of $ XXXX backed out after the short sale process took 2 months to even get a counteroffer from XXXX which XXXX turnaround is 3-5 days. My XXXX offer of $ XXXX was signed on XXXX XXXX, 2016 ; however, it was n't until XXXX XXXX Nationstar submitted the offer to XXXX, which XXXX counteroffer came in on XXXX XXXX. When I asked the agent why it took that long, the agent agreed it took too long and could n't explain why. Remember this is the XXXX offer Nationstar has submitted on this property, there 's no reason why it needed to take 16 days to submit an offer on a house they have already submitted to XXXX. Furthermore, the Trustee Sale is approved to start at $ XXXX, but Nationstar refuses to push back the Trustee Sale when I already have a signed contract with a Buyer for $ XXXX. A nice family is going to learn that they lost the house they put down XXXX % in escrow because Nationstar is unwilling to postpone the Trustee Sale. Nationstar needs to postpone the Trustee Sale and allow me to short sale the home which is what they agreed me to do.
Product: Credit reporting or other personal consumer reports

I am writing to the CFPB to request the XXXX XXXX  XXXX account be removed from my credit reports due to inaccurate information. 

On XX/XX/XXXX, I reviewed my credit reports and noticed XXXX XXXX was reporting two different last activity/account closure dates. 

TransUnion reporting the account closed XX/XX/XXXX and XXXX reporting the account closed XX/XX/XXXX ; a XXXX difference. 

Despite both bureaus conducting investigations, the disputed information remains the same while other account information was changed. Which begs the question, is this information true and correct? 

According to 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) 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.

According to 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I am in the process of purchasing a home for my family and having this incorrect information on my credit reports is hurting me. Please remove this inaccurate information from my credit reports as soon as possible.
Product: Student loan

I obtained a loan from Genesis Lending in XX/XX/XXXX to attend XXXX XXXX in XXXX, MI. After XXXX and obtaining a job, I began auto paying the {$99.00} payment each month and started saving so I could pay off this high interest loan. On XX/XX/XXXX, I paid the balance of {$2800.00} online and called the next day to speak to someone to verify that it was paid in full. I was informed that there was a balance of {$11.00}, but that that would be credited due to the balance being paid. I checked my bank account on XX/XX/XXXX and saw that they had taken the {$99.00} payment on XX/XX/XXXX even though the loan was paid off. I called and they were very rude and not at all helpful, informing me that it was my responsibility to go to my bank and dispute the charge or else send them a statement as proof that it came from my account. I informed them that I work during banking hours and I feel that it is their responsibility to fix their mistake and they can see that it came out of the same account that every other payment came from. I asked to speak to a supervisor XXXX times and was told she was having technical difficulties and unable to talk. After XXXX minutes, I was finally connected to a supervisor who told me that there was nothing she could do to correct their unlawful withdrawal of money that was not owed to them. I asked to speak to her supervisor and was informed that the account manager would not be in until the next day and would call me back. I never recieved a call from the account manager and am still waiting for this to be resolved. I believe that it is illegal to withdraw a payment on a loan that is paid off and very unprofessional to not do everything they can to fix this.
Product: Debt collection

Had cell service the service however didn't work in the area I lived. My complaints caused the phone company to suggest updating my cell which I did and didn't improve my service so with multiple complaints of dropped calls and inability to make calls XXXX released me from contractual obligation the failed upgrade put me in.I wasn't under contract prior to upgrade and was month to month until the update they recommended Since I was released and needing service I found a new carrier. It was when I had already opened new service that I called XXXX to see if I was expected to return the old phone and the rep on the phone didn't know about my account and told me I would be charged? I purchased a new phone and service and XXXX expected me to honor the contract I was told I was released from?? I was a customer since the mid 1980 's  and am disappointed!
Product: Mortgage

Dear Sir or Madam : My husband and my mortgage loan servicing company, Lakeview Loan Servicing , LLC, XXXX. XXXX XXXX, XXXX XXXX, VA XXXX ; XXXX. XXXX XXXXXXXX, XXXX, PA XXXX ; and XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX, twice missed my hazard insurance payment in XXXX and XXXX. Instead of notifying us via email or by telephone, we received a letter stating we needed to get new insurance or Lakeview Loan Servicing would purchase it themselves. My husband and I purchased insurance on our own then forwarded proof of insurance to Lakeview Loan. Lakeview Loan then proceeded to pay the insurance on our behalf. We disputed this and requested immediate reimbursement. 

Additionally, Lakeview Loan has stated that our escrow payments have increased and we had a shortage of {$1300.00} that must be paid over time starting XX/XX/XXXX. After investigating why there was a shortage, we contacted Lakeview Loan and discovered the above failure to pay hazard insurance. Also, Lakeview Loan claimed our local municipality and county taxed had risen. We reviewed those taxes and the increase was approximately {$45.00}. 

We have disputed the additional escrow payment and requested the escrow account be deleted approximately 20-25 days ago. This has not occurred and Lakeview Loan is still requesting the additional escrow shortage and has yet to reimburse us for the hazard insurance payment. 

We have never missed a payment on our mortgage even during the trying times of XXXX. Our demand is that Lakeview Loan reimburse us immediately for the extra hazard insurance payment, immediately delete our escrow account and refund us any remaining escrow, and provide us with a new statement showing the amount of principal, interest and PMI we owe from XX/XX/XXXX forward. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

Someone stole my credit card number and were withdrawing money from the ATM I have had that card for over 30 years and never made a ATM withdrawal. Discover never contacted me .this was identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX credit report and discovered that fraud occurred on XX/XX/XXXX at XXXX XXXX, XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX I never authorized this bank to pull my credit report, I called XXXX and reported this fraud to the Fraud Department and the Representative told me that I need to call the police. and on XX/XX/XXXX Synchrony Account Review XXXX XXXX XXXX XXXX, GA XXXX pulled my credit report without my authorization I never applied for anything with these companies please help I have tried to report this fraud with XXXX, and they're willing to help me.
Product: Credit reporting or other personal consumer reports

SECTION 605 B SECTION 15 U.S.C. 1681 i am writting to formally request the removal of fraudulent accounts and inquires from my credit report immediately my information has been exposed in multiple DATA BREACHES as a result i an a victim of identity theft. Fraudulent Inquires : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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.Citizens one car loan .Has violated my rights. in accordance with the Fair Credit Reporting act XXXX Account # 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 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit card or prepaid card

On XX/XX/2023, I was charged without receiving the service listed in the amount of {$190.00}. I notified School 's First Credit Union the day of the charge with a detailed explanation. I also discussed this transaction with the vender later that same day and explained that I had already submitted a request for reimbursement. I've had to contact School 's First multiple times in reference to this transaction but the results have been less than satisfactory. Now, almost 2 months later, I am still waiting for a resolution. The vender has repeatedly told me they will refund the transaction. I need this resolved immediately.
Product: Debt collection

I requested a validation of the debt from collection agency Resurgent Capital Services. In my request for validation, I demanded a authenticated copy of an original contact with my signature as per the Fair Debt Collections Practices Act, tile 15 U.S.C section 1692g.  XXXX XXXX XXXX, XXXX failed to validate the debt. The only documentation that I have received is a billing statement from the original creditor. I do not consent to contract with XXXX XXXX XXXX, XXXX. The collection agency is in violation of the Fair Debt Collection Practices Act.
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. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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

XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> RE : Request to Remove Inaccurate Information under Section 609 of the FCRA Dear XXXX, I am writing to formally dispute the accuracy of certain information on my credit report, as permitted under Section 609 of the Fair Credit Reporting Act ( FCRA ). After a thorough review, I have identified several inaccuracies that require immediate correction and removal.

In accordance with my rights under Section 609, I request the following : Removal of Inaccurate Information I have enclosed a copy of my recent credit report with items highlighted that I believe to be incorrect or unverifiable. I request that these items be deleted or corrected, as they are misleading and damaging. In accordance with FCRA guidelines, if you can not verify the accuracy of these items, please remove them from my report promptly. 

Cease and Desist Unauthorized Verification via XXXX. 
I demand that you refrain from using the XXXX system to verify these items. Instead, please contact the original creditors directly to verify the information and provide me with the contact person information in a fair and complete manner. This ensures my right to a thorough and accurate investigation, not reliant on automated systems. 

No Additional Notes or Remarks on My Credit Report. 
Please refrain from adding any notes or remarks to my credit report regarding this dispute or any other comments that may negatively impact my credit score.

Provide an Updated Copy of My Credit Report Once the inaccuracies have been corrected, please send me a new copy of my credit report reflecting these changes. 

Details of Inaccurate Information : XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX Please treat this request with urgency, as the inaccurate information has already caused unnecessary harm to my credit standing. I expect to receive a response within the timeframes set by the FCRA and look forward to the prompt resolution of this matter. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently discovered that my credit report contains incorrect personal information, which has led to the appearance of accounts and transactions that do not belong to me. This ongoing issue is deeply concerning, as it is causing unnecessary stress and negatively impacting my financial well-being.
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 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 a list of inquiries : 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 card

XXXX XXXX XXXX KOHLS/CAPONE XXXX XXXX XXXX XXXX XXXX XXXX Dear KOHLS/CAPONE I am writing to dispute a recent credit inquiry made on XX/XX/2024 regarding an application for credit card. Upon reviewing my credit report, I noticed the inquiry listed under KOHLS/CAPONE. 

This inquiry was made in error or without my consent. I HAVE NOT authorized any new credit card applications or inquiries within the timeframe. 

Please correct this on the credit bureau. 

Thank you.
Product: Checking or savings account

Please be advised, Citi responded to my inquiry, however, they are still skeptical and refusal, I provided Citi all the information they needed in order for them to return the money back to the issuer of the checks, and they just sent me an email requesting the same information back again. I went to the branch and provided them with my tax return information, brought my social security and my ID, the check issuer which is refund advantage called several times trying to validate that those were my IRS returns and Citi still refusing to return the funds back. The only issue is that the checks do not have my address, the checks have my tax filer address, however the checks are under my name. And I have provided all the prove. Refund advantage which is the issuer again, did help calling Citi and letting them know that those checks are funded by the irs and that I am the owner of the checks. I will have the issuer submit a claim again for Citi to return the checks for the XXXX time. Please be aware Citi back is making it nearly impossible for me to get my funds back. Those are just my tax returns, they are not helping, and I have provided all the information and they are still asking me to show them prove after I went to the branch at XXXX in person and provided all these info. Citi does not want to help and they are refusing to give my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX