23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a Countrywide Mortgage that originated in XXXX. Bank of America services the mortgage. Bank of America has informed the CFPB that they answered a Complaint I made ( Complaint XXXX ) and submitted to the CFPB on XX/XX/XXXX The CFCB website states that Bank of America responded to the Complaint on XX/XX/XXXX. It is now XXXX XXXX EST on XX/XX/XXXX and I have not received the response. " Status Company responded on XX/XX/XXXX The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX XXXX about its response to this complaint. '' Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The following information is incorrect and should be removed from my report immediately : Account Number : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 

Account Number : XXXX XXXX XXXX XXXX XXXX AL XXXX- This address belongs to someone else. Delete it from my report immediately. 

Account Number XXXX XXXX XXXX XXXX XXXX XXXX  - This address belongs to someone else. Delete it from my report immediately. 

Account Number : XXXX XXXX XXXX XXXX XXXX I have never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

Account Number XXXX XXXX XXXX XXXX XXXX XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

Under the FCRA, credit reporting agencies are required to ensure that the information in their reports is accurate and up-to-date. I understand that accurate credit reporting is crucial and I respectfully request that you investigate these items and take appropriate action to remove or correct them, as required by law. 

Thank you for your attention to this matter. 

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

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. This company is not registered in the state of Texas and is not a valid company. They have sent unverified information regarding my file. This is a violation of the FCRA. I demand it be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is allowing old accounts like XXXX XXXX report a closed account past due for 30 days I paid it off in full in XXXX there allowing XXXX XXXX and other accounts included in my bankruptcy to report Experian and XXXX and XXXX refuses to delete a name and addresses that does not belong to me I have already sent a letter with showing my id bank statement and ssc still have misinformation on reports I have a lot of accounts included in bankruptcy still reporting they are allowing inquiries on my credit that I have disputed like 40 inquiries and they still allow the inquiry to stay on all reports
Product: Debt collection

CitiCards has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Checking or savings account

On XXXX XXXX I was in the process of making a deposit in a Bank of America ATM. In the process of making a deposit of approximately 30 checks the ATM shut down and rebooted. After the machine rebooted all evidence of my deposit was lost. 

I immediately contacted the number on the ATM machine to file a complaint. I was sent to the claims office where the person answering the phone told me the bank had no responsibility for this problem and that unless I could provide copies of all the checks they would not be able to help me. I have called the bank about this problem and explained the checks were in the ATM machine, I was told we need to look into this, no resolution or confirmation that the Bank has a responsibilty to obtain the checks from the ATM that was in a branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I check my XXXX XXXX and I seen that XXXX ( National Credit Card Cos ) is currently reporting on my credit report. I have no affiliation with that company and I didn't sign up for anything with that company. This is fraud and I recommend that you close that account immediately. You can reach me at XXXX if you have any question or need any help with anything.
Product: Student loan

I requested a deferment until I found a job that I could make the payment and the principle triple in the amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigated my credit report, I found out that the informations are erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance Owed : {$33000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$33000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$33000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 I have a Credit Card to build my credit. However, payments are not beingreported to XXXX. I contacted the Bank, but the " Capital One Credit Bureau resolutions '' department only receives complaints by letter. I sent the fi rst letter with the instructions received by calling XXXX ( XXXX ) XXXX. On XX/XX/XXXX, I received a letter asking me to send again the samedocuments as the fi rst letter, saying that they did not have enough proof of my identity. I sent the otherletter, following all directions. On XX/XX/XXXX, a letter was sent to me, with a generic response, saying that the reports were made. However, in contact with the XXXX agency, I was informed thatthere is no Capital One report in my name.
Product: Credit reporting or other personal consumer reports

XXXX of 2023 I scheduled a time to come in a view a vehicle I was interested in. I ended up not being able to make it to the dealership to see the car and for some reason there is a hit on my credit when there absolutely should be nothing
Product: Debt collection

XXXX XXXX XXXX XXXX amount XXXX date XX/XX/XXXX. collection agency sent a letter stating they had bought a debt from original creditor from XX/XX/XXXX. The collection agency re-aged this debt and reported it to XXXX with the most recent date not the original delinquency date I have disputed with XXXX  and they are validating this to be true I have never made a payment and have disputed this debt in the past and it has never been verified.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against TransUnion for Violations of the Fair Credit Reporting Act ( FCRA ) Dear CFPB Members, I am writing to formally lodge a complaint against TransUnion for failing to comply with the provisions outlined in the Fair Credit Reporting Act ( FCRA ). Specifically, TransUnion has reported inaccurate information on my credit report, indicating late payments on XXXX accounts that have never been delinquent. This constitutes a violation of my rights under the FCRA. 

In particular : 1. Violation of Section 609 ( a ) ( 1 ) : Under this section, I have the right to ensure that my credit report contains only accurate and verifiable information. TransUnion has included inaccurate information regarding late payments.

2. Violation of Section 611 ( a ) : This section grants me the right to dispute incorrect information on my credit report and requires the credit reporting agency to investigate my dispute within 30 days. TransUnion has failed to meet this obligation effectively by not correcting the errors I have disputed.

3. Violation of Section 623 ( a ) ( 1 ) ( A ) : This section prohibits creditors from providing inaccurate or unverified information to credit reporting agencies. While creditors share responsibility in this matter, TransUnion is obligated to ensure that only accurate information is included in my credit history. 

The affected accounts are as follows : XXXX. [ XXXX  XXXX, XXXX ] that this account be deleted, or the late payments be removed. 

XXXX. [ XXXX  XXXX, XXXX ] that this account be deleted, or the late payments be removed. 

XXXX. [ XXXX  XXXX XXXX XXXX XXXX ] that this account be deleted, or the late payments be removed. 

I respectfully request that the CFPB thoroughly investigate this matter and ensure that TransUnion complies with the provisions of the FCRA by promptly correcting the inaccurate information on my credit report. I also request written confirmation that these errors have been rectified. 

I remain available to provide any additional information necessary to support this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my Credit Report I noticed several inaccuracies. So I filed a Police Report with the XXXX XXXX Police Dept. on the date of ( XXXX ) Report XXXX : XXXX. I attached this report with disputes & sent them to the credit bureaus ( Equifax, XXXX, XXXX XXXX ). Unfortunately I have yet to receive a response. 

In accordance with the Fair Credit Reporting Agency Act U.S.C. 1681 & Fair Debt Practices Act 15 u.S.C. 1692 ( XXXX XXXX XXXX Collections XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1692 section 805A states : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place, or time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 section 806 section 5 XXXX a phone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

XX/XX/XXXX : credit card amount due of {$3800.00} was sold to Midland Credit Management , Inc . 
XX/XX/XXXX : Midland Credit Management sent letter with transfer details and current balance : {$3800.00} Conversations with collector occurred : told Midland Credit Management XXXX Inc.I did not have the complete funds to pay off the balance. Was told I could offer a settlement XX/XX/XXXX : I wrote Midland Credit Management offered settlement amount of {$900.00} and sent check with offer. Clearly asked Midland Credit Management to inform me if the one-time payment settlement amount was acceptable, and if so to confirm in writing. Also, started if it not acceptable to please return the check. 
XX/XX/XXXX : Midland Credit Management cashed check ( # XXXX ) for {$900.00} Follow up call was then made by Midland Credit Management asking for full amount of balance owed {$3800.00}. Upon speaking to representative who first denied receiving the settlement letter and check, but then asked me for evidence, which I subsequently provided by reading the letter to the representative over the phone and provided details of payment paid. Representative then back tracked and said it was not settled and they would return the funds. 
Funds were never returned. Nor were they deducted from the balance owed XX/XX/XXXX, I followed up with a letter to Midland Credit Management outlining the situation and stating the debt was settled XX/XX/XXXX : Pre-legal notification letter from Midland Credit Management treating to forward the account to an attorney for the full amount owed {$3800.00} XX/XX/XXXX : I wrote Midland Credit Management to again outline that the amount was settled, they cashed the check, did not return the funds, and did not even take the money they took off the original balance owed. 
Midland Credit Management call me nearly every day and continue to write letters to me, now threatening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an auto loan and wasn't able to get it. I have plenty of accounts that are fraudulent and inaccurate on my credit report. I wrote to XXXX, XXXX and Experian. I made them aware of the fraud and inaccurate accounts I will attached the letters to the complaint. I haven't received a response as of yet this is a critical situation. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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. The following personal information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

This fraudulent account has been deemed fraudulent via police report and through various of methods of dispute but still is reporting on my credit file and at this point I'm demanding the removal of these accounts hopefully this could be done without filing suit and/ or The FTC XXXX Please block the following accounts. 

[ 1 ] XXXX XXXX XXXX [ 2 ] XXXX XXXX [ 3 ] XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. Please remove the following unauthorized inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Take note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.
Product: Student loan

I have had three private student loans with Navient since XXXX. They have horrible variable interest rates, currently at 10 %, 12.5 % and 18.5 %. These private student loans were taken out to pay for my education at XXXX XXXX  that defrauded me. I had over {$90000.00} in federal student loans already discharged due to this school because my Borrower Defense to Repayment application was approved. Now I currently have roughly {$75000.00} in private student loan debt that I feel should be discharged because they were taken out for the same education that my federal student loans were. When I signed for these private student loans I had no idea what anything meant and did not know the interest rate I was agreeing to or even that it was variable. All I was told by the financial advisor at XXXX was that I needed to take out the loan to continue my education. XXXX also completely lied about their job placement rates saying 90 % of their graduates were hired in their field within six months of graduation, which never happened for me. They also had a flyer they showed me that said how much a graduate is expected to make with their degree which was also a lie. 

Navient has been incredibly unhelpful in providing me any assistance with these private student loans, as they basically always say there are no options for me. I've paid them XXXX  of dollars and the loans have done nothing, but increase in amount. According to their website I have an expected pay off date of XXXX. That is a total of XXXX  years!! I can expect to never pay off these loans. Navient is now expecting me to pay a total of roughly {$1000.00} per month on these loans and I can't financially afford it. 

Navient is currently offering a new school misconduct program for private student loans to people who have been defrauded by their schools. I would like to apply for this program to hopefully, finally be done with this nightmare that is dealing with private student loans
Product: Credit reporting, credit repair services, or other personal consumer reports

experian won't let me dispute online XXXX  won't let me look at my credit online ftc violaitons on accounts and addresses XXXX is my middle name not XXXX  XXXX XXXX XXXX XXXX is correct they have XXXX XXXX XXXX not mine never used it like this XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX address not mine
Product: Debt collection

I'm experiencing issues with both XXXX XXXX and National Credit Adjusters, the collection agency that acquired the debt. Through my investigation, I discovered a loan opened in my name with XXXX XXXX in XXXX, which was never repaid. In XX/XX/XXXX, I received a credit notification about this debt, impacting my score significantly. Upon further research, I found that this debt from XXXX was sent to collections in XXXX, violating Maryland 's three-year limit for lenders to sue for a debt. The delay in selling the debt and reporting it has reset the 7-year term on my credit report. Moreover, XXXX XXXX wasn't licensed to lend in Maryland in XXXX. I've requested documents from the collection agency but haven't received any feedback yet.
Product: Credit reporting or other personal consumer reports

I wish to contest the inaccurate items listed on my credit report. I have reached out to XXXX, Experian, and XXXX with letters regarding my disputes, but they have not responded. : XXXX  XXXX Bankruptcy XXXX XXXX XX/XX/year> {$0.00} U.S. Bankruptcy Court {$0.00} {$0.00} XXXX XXXX Experian XXXX XXXX XXXX {$0.00} US BKPT CT XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} U.S. Bankruptcy Court. XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Bank of America transferred the account to XXXX Mortgage. The mortgage was paid in full to XXXX once the house was sold. Bank of America is reporting negative information on all three credit reports stating XXXX XXXX XXXX, and this is inaccurate information as Bank of America transferred the Account to XXXX Mortgage. I am needing Bank of America to correct all negative information from my reports immediately. I have contacted Bank of America several times to correct the information that is inaccurate and has failed multiple times to get this corrected. XXXX Mortgage received the full payment at the time of closing. I will seek legal action if Bank of America does not correct this immediately as I am disputing the validity of their reporting.