23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are from XXXX XXXX, and before the XXXX XXXX  XXXX of XXXX XXXX ( who was our lender ) was shut down for XXXX XXXX in 2007 and people went to XXXX, they were the originator of our loans, last one was in 2004, total {$110000.00} But in 2005 XXXX  XXXX  sent another refinance offer and contract to us in the mail. But since we were not interested, we did not sign or return the contract back to them as they had instructed. 

However, unbeknownst to us, XXXX increased the principal from about {$100000.00} by that time, to the {$130000.00} that is on the new contract ; and since we had refused to sign, ( obviously they had copies ) so they forged our signatures, and under the guise of a transfer, they sent our loan to US Bank Home Mortgage in XXXX XXXX. 

It took years, but with help from the ( CFPB ) for another problem, we were finally able to receive evidence from a US Bank XXXX named XXXX XXXX ; and a copy of the contract with our missing signatures confirmed what we had already suspected. 

We did XXXX loans with XXXX XXXX, XXXX in 2003 and XXXX in 2004. But in 2004 when we received our copies of documents, we did not realize it until much later, that our ( signature page ) with the 2004 signatures were missing ; and they later used the 2004 signatures on the 2005 contract. 


We are not disputing the entire loan, but before 2018, and definitely since 2021, we have been trying to get the US Bank to subtract the fraudulent amount from the principal, so that we can receive a correct payoff and refinance at home again. 

But we are not getting the help we need from US Bank and not only do we have the original unsigned contract that we can show for evidence and prove that a copy was made, the absence of evidence is also evidence. ( No cancelled Check ). 

We never received the money for which this contract was created and exist as unsigned. So to prove this, we have asked US Bank to send us a front and back copy of the cancelled check, ( which normally we would have a right to receive ). But we want them to either prove that we received this money or subtract the fraudulent amount from our principal balance. 

But ever since the date ( s ) they have responded back to us through the CFPB in 2018 and the last time in 2021, to this date in 2024, we never heard from US Bank again about this problem ; and even though their letters state that they might even contact us for more information, we are still waiting... and we wish to finally resolve this problem.
Product: Credit reporting

I have written Equifax twice about a collection that has no account name asking for more information. They do not respond to me. 

It reads : Account # XXXX. {$97.00}. XXXX/XXXX/2013
Product: Credit reporting or other personal consumer reports

I am desperately in need of vacating my apartment within XXXX months when my lease is up. Therefore, I need to initiate this complaint to investigate why Equifax, XXXX, and XXXX refuse to take reasonable measures in conducting their OWN investigations when this consumer disputes inaccurate and unfair reporting of data on my credit report. I have submitted several copies of my credit reports from the past and current. Upon your review, you will see the above-mentioned credit agencies, ALL have allowed CLOSED accounts to report false RECENT LATE PAYMENTS ( Please note that I have not been late on any account in nearly XXXX  years ). CRAs allow the creditor to continue to update my accounts with MISLEADING information. Such as, in XX/XX/XXXX, the CRA 's allowed XXXX XXXX  to FALSELY UPDATE A CLOSED ACCOUNT AS BEING REPORTED OVER THE LIMIT. ( Please note, that XXXX XXXX  initially reported on this closed account back in XXXX ). False manipulations of my utilization. 
Please note that upon calling these agencies, each informed me that they DO NOT conduct investigations they go by what the Creditor reports. Therefore, these actions committed by the CRA 's by not conducting their own reasonable measures in investigating how the accounts are being reported is a direct cause of me being denied an opportunity to get approved for housing. Please note that each time I dispute, my credit score drops between XXXX XXXX points. This is a retaliatory practice to deter consumers not to continuing to dispute inaccuracies because it blocks my right to rebuild my credit.
Product: Student loan

On XX/XX/2024 I spoke to Mohela about my Loan XXXX being paid in full but still showing I owed XXXX cents and my payment was overdue yet the balance said - {$0.00}. The representative told me not to worry about it and that it was paid in full. Today, XX/XX/XXXX, the balance is now 31 days late and showing a balance of {$0.00} on a loan I PAID OFF between XXXX XXXX. Here are the screenshots to prove the loan is paid off according to correspondence from Mohela as well as my payoff of {$0.00}, just to cover my XXXX in case Mohela sent it to credit bureaus. Fix this NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX  XXXX Balance Owed : {$27000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$160.00} XXXX  XXXX Balance Owed : {$26000.00} XXXX  XXXX Balance Owed : {$620.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 ( 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 ( in ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I disputed this XXXX XXXX XXXX XXXXXXXX personal account ( {$6000.00} ) with XXXX on XX/XX/year> I provided ftc report as well as formal dispute letter. this account does not belong to me and XXXX has still chosen to report this information on my credit report. Under fcra XXXX a proper investigation must occur. Not just creditor saying the account belongs to me. 
I Demand this account be removed from my report immediately! 


In the context of the Fair Credit Reporting Act ( FCRA ), a " proper investigation '' means a thorough and reasonable examination of disputed information on a consumer 's credit report by the furnisher of that information, to determine if the information is accurate and should be modified or deleted if found inaccurate ; essentially, it requires the company providing the information to actively review relevant evidence to verify its accuracy when a consumer disputes it.
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. 

Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or 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: Mortgage

My monthly mortgage payment is {$1500.00}, but XXXX additional {$1400.00} each month to be applied as additional principal. 
On XX/XX/21 I made payment to my mortgage company XXXX for {$3000.00}. {$1500.00} of this was my normal mortgage payment, and {$1400.00} was additional principal. Afterwards, I received a letter stating that Mr. Cooper had bought my mortgage. I called Mr. Cooper and was told that XXXX would forward my payment to them, payments would be applied the date that XXXX received them, and that I didn't need to do anything except make my next payment to Mr. Cooper. 
Mr. Cooper finally applied XXXX payment on XX/XX/21, but also did so incorrectly. They applied the {$1400.00} as a partial XXXX payment, then reversed that and set it as unapplied funds. 
On XX/XX/21 I paid {$3000.00} directly to Mr. Cooper. {$1500.00} of that was my normal payment, and XXXX was to be applied as additional principal. On XX/XX/21 Mr. Cooper told me over the phone that there was a " Bill Pay '' error and that they lost the payment ( along with thousands of others XXXX, and that I would need to send it again. I was also told that they would move the payment back to XX/XX/21 since it was their " Bill Pay '' error. On XX/XX/21 I made two payments for {$3000.00} each, one for the lost XX/XX/21 payment, and one for my monthly XX/XX/21 payment. 
First of all, both payments were posted on XX/XX/21, when one should have been moved to XX/XX/21. Secondly, they only applied {$1400.00} as additional principal instead of {$2900.00}. Their website doesn't show what happened to the rest of the money. I have called numerous times and they keep saying they will fix it, and never do. When I call and escalate it, they say they will call back and they don't.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit bureau has decreased my credit score by a total of XXXX points within the past 2 months on XX/XX/XXXX ( XXXX points ) and XX/XX/XXXX ( XXXX points ) which was unwarranted, without any credible reasoning and/or excessive drop in FICO score with the the intent to negatively impact my financial credibility and over all opportunities with the benefits of lower interest rates. These practices are unlawful, unethical and unfair practices of Transunion credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing [ insert a derogatory condition here, such as this account was charged off for {$4100.00} in XXXX 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Sectio

n 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent
Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Checking or savings account

I opened A 3 month saving account with 4 % interest rate for the 3 months and at the end of 3 months was not given my 4 % interest I was given less than 1 % interest
Product: Debt collection

I paid my total credit card purchase and now XXXX credit card are billing me with interest for not paying. 
I called XXXX credit card and I have the receipt that I paid my total debt owed! 
Macys credit card still charging me with interests!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Mohela is reporting 2 tradelines to all 3 of my credit bureaus and they are paid off and have a {$0.00} balance, this has been on my report for more than 8 years and they are refusing to remove it as agreed upon by the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD complaint filed against Trans union about an XXXX XXXX XXXX XXXXXXXX. I have contacted the Court in XXXXXXXX XXXX on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that stated that they were never contacted by Trans union. Based on the findings of their investigation which states they verified with the courts can NOT be true. I asked for written verification of this XXXX  and I was only sent a copy of my credit report therefore this claim is not verified and should be removed from my credit report. I have called and disputed this reporting as well as mailed in letters and I was not giving proper verification. This is what my letter stated : Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. I was not provided that information please see that this request is reported correctly. Thank You.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the credit reporting act : when 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 to.These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] are not complete and accurate. 

open date is not reporting correctly, date lasts active, date of last payment is not correct, this account is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all three credit bureaus XXXX, XXXX and Equifax by mail regard the inaccuracies of this account. XXXX loan mark this account is reporting inaccurate please see the attached reports XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Equifax, XXXX and XXXX This account is reporting as open and active this is inaccurate. Please delete this inaccurate account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been attempting to dispute my credit report with the XXXX bureaus for years since 2020. Proof is submitted below. This year specifically, they received phone calls, online uploads, and mail. XXXX, XXXX, and Equifax have a been contacted through every method of communication. There have been no fair resolutions. This has caused severe almost irreparable damage. Defamation of character, invalid denials, withholding of employment consideration. There are monetary damages as well, thousands of dollars lost due to malpractice and unethical / illegal business practices under the FCRA. Their is possible element of racism as Ive been told by XXXX that Ive lived in a risk area. Ive lived in communities that happen to be predominantly XXXX American and XXXX. Race/ethnicity should not play a role in my credit reporting. As a young XXXXXXXX my disputes with the credit bureaus are not taken as seriously. The evidence shows it as Ive tried disputing incorrect information for months/years. I get turned down right away, when Ive had a lawyer attempt to repair my credit from the firm of XXXX XXXX XXXX they have more success. They can only do as much I do in terms of credit repair. XXXX states that anything a credit repair company can do I can do individually. Im unable to afford more attorney credit repair services as Ive already felt enough financial damage.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Identity Theft and Violations of the Fair Credit Reporting Act ( FCRA ) by Credit Reporting Agencies Dear Sir/Madam , I am writing to file a formal complaint against the three major credit reporting agencies ( CRAs ) Equifax, XXXX, and XXXX their failure to address and correct fraudulent activities on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ). 

Background : On XX/XX/XXXX, I discovered unauthorized accounts and inquiries on my credit reports from Equifax, XXXX, and XXXX. Specifically, the fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon realizing this, I immediately contacted the CRAs and provided them with the necessary documentation to prove that these accounts were a result of identity theft, including a police report and an FTC Identity Theft Affidavit. 

Violations : 1. Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) : Under the FCRA, specifically 15 U.S.C. 1681c-2, credit reporting agencies are required to block the reporting of information that resulted from identity theft within four business days of receipt of appropriate documentation. Despite my submission of the required documentation, the CRAs have failed to block the fraudulent information on my credit reports. 
2. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) : The FCRA mandates that CRAs conduct a reasonable reinvestigation of disputed information. I have repeatedly disputed the fraudulent accounts with the CRAs, yet they continue to verify the fraudulent information without a proper investigation, in violation of 15 U.S.C. 1681i ( a ). 

Supporting Legal Precedents : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. XXXX ) : This case established that a CRAs failure to conduct a reasonable reinvestigation into disputed information constitutes a violation of the FCRA. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case held that CRAs must adopt procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case affirmed that a credit reporting agency must go beyond mere reliance on automated processes to verify disputed information. 

Relief Sought : 1. Immediate blocking of all fraudulent information on my credit reports as required by 15 U.S.C. 1681c-2.

2. A thorough and reasonable reinvestigation of all disputed items on my credit reports.

3. Written confirmation from each CRA that the fraudulent information has been removed. 
4. Compensation for any financial harm and distress caused by these violations.

I trust that the CFPB will take immediate action to ensure that the CRAs comply with their legal obligations under the FCRA. Please contact me should you require any further information or documentation. 

Thank you for your attention to this matter. 

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

Account info Account name RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$640.00} Balance updated XX/XX/XXXX Recent payment - never done business with company debt isn't authorized and shouldn't be reporting to my personal credit please have company remove fcra law code 18usc 1028a didnt not give permission to report unauthorized information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct my name with Equifax for over three years. They refuse to correct my name. It is making it impossible for creditors to pull my credit and I can not get a home now because of this. I am literally homeless and living in my car because Equifax will not correct their systems. I submitted yet another dispute this week on their web portal. Their web portal only asks for " one or more supporting document ( s ). '' I provided the court order. They should need nothing more, but the dispute resolution came back asking for more documents. I called this morning to see if they could correct the existing dispute but they opened another one and now are telling me it will take 30 days to correct the discrepancy. Meanwhile, I still can not get a place to live because of their poor business practices. None of the other credit reporting agencies have given me this kind of trouble and they corrected their records years ago.
Product: Credit reporting or other personal consumer reports

Capital one approved me for $ XXXX in auto financing in XX/XX/XXXX. Ive over paid $ XXXX and have a remainder of $ XXXX. $ XXXX has been interest. Did not show on my credit report until XX/XX/XXXXXXXX  & does not reflect my full payment history. It shows only principal payments. Additionally, Ive been denied housing over not having sufficient payment history on my credit report so it would have helped and is unfair it hasnt been factored in my score this entire time and that they are only having to report the balance.