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

I am XXXX XXXX, and I am submitting this complaint and there is no third party involved. Thiese accounts are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, Equifax and XXXX Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behaviour and willfully in the violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY. 
NAME : XXXX XXXX ; Inaccurate Addresses : XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$660.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$550.00}XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$270.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX XXXX I Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Texas Finance code even a credit bureau is required to have a valid surety bond to collect on debt. This company does not have a valid surety bond with the SOS of Texas and is attempting to report and collect debt on my credit report. Specifically, debt from XXXX XXXX XXXX  Texas Finance code Section 392.101 The regulatiin rewards {$10000.00} For each violation.
Product: Mortgage

XX/XX/XXXX  - email from NewRez LLC ( a division of Shellpoint Mortgage Servicing LLC ) stating no record of monthly mortgage payment of {$1400.00} due XX/XX/. 
XX/XX/XXXX  - I called their number XXXX with questions. Immediately it was assumed my loan was delinquent and I was read " by Federal law '' that this was an attempt to collect a debt. We went through the details of the check ( amount, loan number, payable to, to where was it mailed ), and it was all correct. I stated I have proof from my bank that NewRez LLC processed and cashed the bill pay check on XX/XX/. Was told to fax the proof, I stated I do not have access to a fax, was then told to upload document into their website portal within my account. From my bank, I obtained the proof of cancelled check ( front and back showing it was cashed ) made out to NewRez LLC and mailed to their correct address, saved it as a PDF and uploaded it as requested. 
XX/XX/- received another email with a new billing statement from NewRez LLC. I assumed it would now be corrected and the new monthly payment due XX/XX/, but when I went to my online account it is another statement saying due XX/XX/, and that the last payment NewRez LLC received from me was XX/XX/. This is false, and they have received proof that they processed my check for the mortgage payment due XX/XX/. I started an online chat within my account, and was told by rep XXXX XXXX that they did not have a record of this proof yet and was again read " mandatory by Federal law '' that this was an attempt to collect a debt. XXXX stated it takes 24-48 hours for them to receive my proof, and that statements are entered manually. I asked why I received another statement due XX/XX/23 if they are entered manually, if they are waiting on my proof. XXXX apologized but that there was not anything else that could be done until they received proof, and that the proof would be coming from another third party. 
In the meantime, my bank has now just processed XXXX 's monthly payment to NewRez LLC, as usual, but I am afraid that the same thing is going to happen. 
It may be worthy to note that my mortgage was recently sold to NewRez LLC ( a division of Shellpoint Mortgage Servicing LLC ) by XXXX XXXX ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

During the first week of XXXX of this year ( 2020 ), I was going over my Transunion credit report when I found two hard inquiries that I did not recognize authorize. Both are from the same company. I sent a dispute letter to Transunion on XXXX/XXXX/2020. The letter was sent certified with return receipt. Transunion received the letter on XXXX/XXXX/2020. They responded with a letter dated XXXX/XXXX/2020. The letter was a generic description of hard inquiries and did nothing to resolve the issue. On XXXX/XXXX/2020, I sent another dispute letter. The letter was received XXXX/XXXX/2020. They are refusing to reply to the 2nd letter and refusing to remove. There was no ambiguity whatsoever in either of the letters. I advised Transunion that I never authorized these 2 inquiries and I want them removed. This is a serious violation of federal law and of my privacy rights. Transunion is wilfully enabling fraud and identity theft and I will make them appear in court if necessary. Everything has been documented and I have copies of the letters. Please see the attached photos and screenshot.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XXXX and noticed that XXXX had put some improper information on my credit report. 

The following accounts does not belong to me XXXX XXXX for {$350.00} XXXX XXXX XXXX {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX : {$150000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 
XXXX XXXXXXXX Balance Owed : {$38.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all late immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you. 
XXXX XXXXXXXX XXXX XXXX : {$16000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Product: Mortgage

I have been waiting for my COVID-19 relief program since XX/XX/XXXX. I called and requested an end to my forbearance and a loan modification. I was told it would take 30 days. I received a letter on XX/XX/XXXX dated XX/XX/XXXX, indicating that they recently mailed me a letter that contains the agreement that I was approved for and describes what the workout is and how it impacts my mortgage. I called the servicer on XX/XX/XXXX as I had still not received a separate mailing from them even though the XX/XX/XXXX letter stated it was " recently '' sent. I was told by XXXX that the paperwork was not done yet. I requested a call back from a Supervisor as I wanted to know when my paperwork would be sent so I can take care of my mortgage. I was told to just " pay what you can ''. I asked how any payments I make would impact the workout offer and she couldn't answer. I was told I would receive a call back within XXXX hours. As of today, XX/XX/XXXX, I am still waiting for that call back as well as my paperwork with my approved workout information and agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax have reported a 30-day late payment indicator on my credit report with the creditor ( XXXX XXXX , Also known as XXXX XXXX XXXX XXXX XXXX which is incorrect and is currently showing on my credit report. The account that I am referring to is the account balance of : {$38000.00}, which the account was opened XX/XX/2019. I have never paid 30-days late and when I contacted XXXX XXXX XXXX XXXX said that their system is not showing it and that they did not report that 30-day indicator on the account. This is the 3rd time that this done happened to me where XXXX XXXX XXXX have reported that incorrect information of having reported a 30-day late indicator, which I had to dispute this issue before. I want this issue corrected immediately because this is negatively affecting my credit rating with XXXX, and Equifax and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated immediately!
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX
Product: Mortgage

I purchased a warranty for my home thru Owen. I paid the XXXX every month with my mortgage payment. For some odd reason my mortgage payment was reduced XX/XX/XXXX - XX/XX/2015, unbeknownst to me they stop paying the warranty company and the contract was cancelled XX/XX/2015. XX/XX/2015 my mortgage increased again and the XXXX warranty fee was included on my mortgage statement. My question is how can they stop & start the warranty fee and not notify me. Please help.
Product: Credit card or prepaid card

I had a dispute with a Banana Republic credit card. I believed that they charged me twice and the amount on the card was in dispute. However, they did not notify me when they were done investigating and the amount went back on my card without my knowledge for a few months. They have now reported that to the credit bureaus, but I was unaware that it went back on. As soon as I was aware of the investigation results I just paid the amount. I still believe they charged me twice, but I did n't want this to keep happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigate my credit report, I realized that some of the information was 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 correct the following accounts : : XXXX XXXX XXXXXXXX XXXX  Balance : {$340.00} Opened XXXX XXXX, XXXX  ; DEPT OF EDXXXX XXXX Balance {$12000.00} Opened XXXX. XXXX, XXXX
Product: Vehicle loan or lease

I financed a vehicle in XX/XX/XXXX for a term of 72 payments. I have been paying an additional {$60.00} each month in an effort to reduce the length of my loan from XXXX to 60 months and, most importantly, reduce the amount of interest incurring during the loan life. XXXX of XXXX, Hyundai retroactively changed all of my principal payments to be reflected as " pre-payment '' instead of payment on principal, thereby allowing them to charge the maximum amount of interest, rather than pay interest on only the principal. This is how compound interest works. Hence, my attempt to reduce the principal balance as quickly as possible. I have been calling once a week since XXXX to have these adjustments the applied to my account without my authorization corrected. Ive spoken to customer service reps, supervisors, their supervisors, and their supervisors. Everyone says they will have it corrected in 3 days, only to further complicate the situation. I've requested call backs from supervisors with no return phone calls, I've been hung up on, and have been placed on hold for hours at a time. My payment history online makes zero sense and reflects no payments due months, wrong payment amounts, {$60.00}, {$120.00}, XXXX, XXXX, XXXX ... I can not tell my current balance, and I have zero confidence that my interest has been calculated correctly XXXX certainly resulting in a profit on their end and overpayment on mine ). I feel I have been overcharged, payments have not been reflected correctly since XXXX of XXXX ( or at all ), and I feel very taken advantage of. I've attempted many times to have these issues corrected, I have requested that my payments be reflected correctly online and, in my statements, to verify accuracy. In fact, my account currently reflects that I owe a balance in XXXX of {$100.00}. This indicates that a {$300.00} prepayment continues to be reflect in my XXXX statement. As I have requested months, there are NO prepayments, ONLY principal payments to effectively reduce the principle.
Product: Debt collection

I closed my account with XXXX XXXX XXXX in XXXX because their internet was horrible so I switched over to XXXX XXXX. I let XXXX XXXX XXXX know I was closing the account, I paid my last bill, I turned in all the equipment. From all angles everything was fine, XXXX XXXX XXXX made it seem like everything was fine and I had done what I had to do. I had always paid on time and was a good customer and never had issues with payments with XXXX XXXX XXXX and from my knowledge was left in good standing when I left to go with XXXX cable. Well XXXX XXXX XXXX decided to charge me another bill without notifying me or mailing me a bill. They put me in collections. I didnt find out until XXXX that I supposedly owed them but by this time I was confused since I paid my last bill and closed the account and turned everything in. What XXXX XXXX XXXX and Franklin Collections Services are doing is fraudulent because Im not the only one they are doing this to. I would have paid it if I would have known about this bill. Now my credit score is constantly being hit by Franklin Collections Services and XXXX XXXX XXXX says its not their problem even though they caused this problem. Im not going to pay a 3rd party the money when they dont legally have to remove that off my credit report. I need it removed off my credit report! I will only pay XXXX XXXX XXXX if they remove this off my credit report. I am not legally bound to a third party. My contract was with XXXX XXXX XXXX and thats who needs to fix this. I just had hurricane damage to my house due to hurricane Ida and this is causing me even more undue stress because of the unscrupulous behavior of these 2 companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been notified on this fraudulent account and the account holder. The account was removed but reinserted back on the account 30 days later.. 

XXXX XXXX XXXX XXXX : {$6400.00}. 
Police report is on file! 

My name is XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint adding Navy Federal Credit union regarding multiple overdraft fees I have incurred. Despite hsve available funds when transactions were authorized, I was charged numerous fees due to delayed posting of charges and credits. This issue aligns with the CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initial availability of funds. I believe this practice was unfair and Im requesting an investigation into my account transactions.
Product: Vehicle loan or lease

I, XXXX XXXX, entered into a consumer credit transaction with WELLS FARGO AUTO on XX/XX/2021. Not only did the company give me false and deceptive forms, they failed to assure a meaningful disclosure of credit terms. According to the congressional findings of 15 USC 1601, I, the consumer/natural person, am protected against inaccurate and unfair credit billing and credit card practices. Congress also found that there has been a recent trend toward leasing automobiles for consumer use as an alternative to installment credit sales and that these leases have been offered without adequate cost disclosures. My contract does not say anything about my right to rescind. On XX/XX/2021, I mailed WELLS FARGO AUTO an Affidavit of Truth, Cease and Desist, and my right of rescission paperwork. By law, the company has 20 days to respond. Today makes the 20th day because they received my certified mail on XX/XX/2021 at XXXX XXXX A gentleman by the name of XXXX called but I had contracted COVID and didnt feel too good when he called. I havent heard from them since. Whenever I try to call them back, a representative says someone will call me back. I just want what is lawfully owed to me. I have security interest that secured ALL obligations, meaning the car was paid for when I signed for it. The Truth in Lending Act informed me of all of this fraudulent activity.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

I want the CFPB to publish this
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes! regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX  1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX  1681i. 
which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C XXXX  {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX records. This is pertaining to all creditors including Equifax, XXXX, and XXXX that I'd like actions upon my credit report with what's stated above. I want above accounts removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX of XXXX  years XXXX XXXX. Attempting to purchase a home and when looking at my credits reports found a few negative items that have caused myvloan Aplication to be denied. I have paid those items however the still dont allow me to be approved for any type of laon. I have disputed thro the credit bureaus and the companies directly to no end. Additionally there is s o me applying for ctredit as i dhave authorized any credit inquires the past XXXX years. 


All this is unfair and im am requesting that these items all be permanently removed. Any assistance you can proved is greatly appreciated. Respectfully XXXX XXXX XXXX XXXX XXXX Retired XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX will not update my Experian credit report to show my balance as XXXX. My student loans were transferred to XXXX in XX/XX/2023. I no longer have a balance or open account with XXXX. 

Total Balance showing is {$150000.00}