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

Credit Report mailed to me dated XX/XX/19 contains no reference to an account with XXXX XXXX XXXX. Reference to an account with XXXX XXXX XXXX appears on the online credit report I have just viewed. This materially and negatively affected my credit score as detailed in complaints XXXX and XXXX.
Product: Other financial service

I am a recent graduate of a XXXX looking for guidance with loan repayment options. I came across a company called the student loan help center who helped me through the whole process and explained the loan forgiveness options I qualified for. After all was explained they said they would help to consolidate my loans and enroll me into the loan forgiveness program if I made a one time payment of XXXX dollars. I impulsively agreed and setup a three month payment plan thinking this was a good investment. After reading several articles online I realized no one should have to pay for these services, and there are free student loan repayment help centers available through the federal government. I unfortunately signed a contract which is why I am contacting you to help guide me through this process. I am going to call my credit card company to cancel the first of three payments scheduled to this company.
Product: Checking or savings account

Over the course of XXXX, I signed up for the waitlist to join XXXX XXXX ( now partnered with XXXX ) to open an account. This account would have included a Bills account, Spending account, and Saving account. After normal processing, I held the account, but I wasn't using the account as actively as I thought I would have. So in XXXX of 2022, I decided to close the account. I have included supporting email records to show this. 

Almost 6 months later, I was looking to re-open an account with XXXX  and fully transition to them from XXXX XXXX. I started the process over since it had been a while since the previous account was closed. I followed the instructions to create a new account, but after entering my SSN, I received a message stating that " Something went wrong '' and the " Bills & Spending '' account can't be opened for me right now. 

I then reached out to support to find out why and was told " I took a look, and I'm seeing that you previously had a XXXX account and then signed back up to XXXX. Because of that, you are not able to change your XXXX  account back to a XXXX account. I'm really sorry for the inconvenience, but there are some technical limitations with our system that prevent more than one switch between the two account types. '' I asked if there was an override for this. I was thinking that it was something I needed to do on my end to fix the issue and get the account opened, Instead I was told " You're asking a great question. I can definitely see how this could have been beneficial, but unfortunately it's not something we can offer right now. '' I was, however, allowed to open another account type, which is their saving feature account, but not the other. Also, considering her language about more than one switch between the two account types, this would have been my first and only switch. 

This feels unfair and unclear. There's nothing I could do to resolve the issue with them. There is no number I can call. Nothing. Just going the extra mile, I requested my consumer records from XXXX to see if there was anything I could be at fault for.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account.
Product: Debt collection

The company continues to violate my hippa right along with the violations of the fcra! they have dailed to reach me in 30 but as well as up to 90 days without contact thats 3 repoeting cicles! with no mailed wet signitures or proof of this debt. So please contact them in this regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I issued a complaint regarding XXXX XXXX financial the account has been deleted from every other bureau but Experian. It has been past the 30 day timeframe and the company hasnt responded based on FCRA and Experians website failure to provide respond is grounds for deletion of the account Im just asking for justice and my voice to be heard. Please reference case # XXXX as this is the official complaint Experian has neglected responding to in timely manner
Product: Mortgage

i have 2 loans with loan depot on one building which is a duplex. county tract line goes down the middle of the house. Thus 2 loans. When i receive my escrow disclosure statements they fail to divide the taxes and insurance in half for each loan. Insurance for house is XXXX a year taxes are XXXX. I have this problem every year for the past 3 years. I have called customer service many times to fix the problem and are told that it is taken care of. But it never is. I have had my insurance co. call and send documents to confirm the information. and no response from Loan Depot. also the loans are the same amounts yet one loan payment is XXXX a month the other is XXXX when i inquired why they had no answer.On XX/XX/2016 I sent the insurance division a letter explaining this problem and never received a reply. I am very upset and angry. Your help will be great.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF PEM XX/XX/XXXX
Product: Mortgage

CMS LN XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX CA XXXX XXXX XXXX On XXXX/XXXX/XXXX we submitted our authorization to Carrington. We have requested a postponement of their upcoming foreclosure date of XXXX/XXXX/XXXX, as there will be an equity sale that will pay the investor IN FULL. Carrington currently has an opening bid of $ XXXX, which is well below the amount owed to the investor. 

Please see attached Carrington payoff demand, HUD, Offer, which show this will be an equity sale for Carrington has only had this loan since XX/XX/XXXX.Carrington immediately filed the NOTS on this loan, and has not once contacted the homeowner to discuss foreclosure options. Carrington has not once contacted the homeowner to attempt to do a loan modification. The previous servicer stopped taking payments from her XX/XX/XXXX. The previous servicer, XXXX XXXX XXXX, never attempted to do a workout with the homeowner. Carrington has not once ever contacted the homeowner or informed the homeowner of any Home Retention Options. It is likely that XXXX XXXX XXXX and Carrington BOTH have violated HBR and Federal Servicing guidelines, as neither lender has attempted to do any kind of workout. Carrington took over the file and a NOTS was immediately filed with no contact to the homeowner whatsoever. It is obvious there is FRAUD going on at Carrington, and possibly XXXX XXXX XXXX as well. 


Carrington is refusing to postpone the sale date to allow the equity sale to take place. They are doing this in an attempt to defraud their investor and their own client, and the fraud is happening on many levels. 

1. Carrington forecloses on properties to that they may steal the homeowner 's equity in the property. 
2. Carrington forecloses on properties for their own gain, and defrauds their investor out of a full-payoff of their loan 3. Carrington forecloses on properties so they may transfer the file to their retail division which will collect money on the real estate side by listing and selling the property themselves I am sure Carrington is going to attempt to lie to you, the CFPB, regarding the fraud they are committing. We are getting sick and tired of lenders telling us that they outright LIE to the CFPB, then laugh at us for thinking the CFPB would help. 

It is my understanding that this is not the 1st time this exact complaint has been made to the CFPB. Carrington, in fact, has done this exact thing with many other homeowners. We would be happy to provide evidence of this upon the CFPB 's request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX is refusing to remove a balance on accountant that i do not own and was previously a authorized user. 

in accordance with the fair credit act XXXX XXXX that ends in XXXX has violated my rights. 

15 usc 1681 section 602 A. states i have a right to privacy.

15 usc 1681 section 604 2 : it also states that any Fianacial institutes can not furnish my information to 3rd part companies without my written instructions. 

after further conversation with my wife the original acc holder stated that she was never given the option to opt out just to opt in. 
XXXX clearly stated even though it's not my accountant that the balnce will remain on my consumer profile. leaving the false pretense that im in debt and wich will stop me from. getting lines of credit or loans in the future. XXXX XXXX  also told me to dispute with the credit beurres Wich i Cleary stated that i have. but the credit bureaus refuse to remove..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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, 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 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 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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. 

Under Section 605 A 15 U.S. Code 1618 C-1, Section 604 15 U.S. Code 1618 b, and Section 605 B 15 U.S. Code 1618 C-2, all fraudulent information needs to be removed within XXXX days. 

Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition all late payments must be removed. 
It is illegal to report anything on my credit report without my permission. Please remove these negative items. Thank you.
Product: Credit card

I contacted them with the information that I had recently lost my job and was in need of reducing payments. I offered to make payments of what I could afford of XXXX dollars. They instead offered me a deferment to resume payments on XX/XX/year> I have photographic evidence of this. They lied. They have sent my account to collections over " non-payment ''. I was instructed to not make payments until XX/XX/year>!
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the inaccurate reporting of an auto loan account from Navy Federal Credit Union to the credit bureaus. Despite having documentation proving that the account has been paid in full, late payment notations continue to appear on my credit report, causing harm to my creditworthiness. 

Creditor : Navy Federal Credit Union Account Type : Auto Loan Account Number : XXXX Issue : Incorrect reporting of late payments after the account has been paid in full Proof of Payoff : I have attached a copy of the official payoff statement from Navy Federal confirming that the loan has been paid in full as of XX/XX/year>. 

The late payment notations on this account are factually inaccurate and should not be reflected in my credit reports with any bureau. These errors have adversely impacted my credit score and have caused unnecessary distress.
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities.XX/XX/XXXX and XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Transunion and XXXX removed a past debt that was XXXX in XXXX. Then the debt was placed back on my report without notification stating the account was verified. The XXXX copy has been sent to both parties showing that the debt is void and the continue to leave it on my report. The debt continues to be reported as {$24000.00} owed by both agencies while the 3rd agency has removed it since early XX/XX/XXXX
Product: Credit card or prepaid card

Why cant my credir card be approved Ive applied multiple times and get declined for same reasons
Product: Credit reporting or other personal consumer reports

I receive periodic soliciting emails from Credit Karma that I have outstanding approval odds for a loan. Yet, when I utilize the service, I receive denial letters. This is extremely misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding unknown and inaccurate items listed on my credit report. I resent my complaint on XX/XX/2021 and to this date more than 90 days have past without a response and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 120 days or more than 90 days since my last request and no response. These items should be promptly deleted from my credit report. My information had been involved in the Equifax data breech and is most likely in the hands of the wrong people.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a dispute letter was sent to three various credit bureaus disputing an inadequacy which reported a single account as negative. Such an account was reported in a varying format, under a varying heading between all three credit bureaus. Federal law mandates that the account be reported exactly the same amongst all three credit bureaus, while simultaneously being proven as verified if asked by the consumer. I as the consumer have asked all three bureaus to correct his issue under my credit report approximately 30 days ago. I have yet to hear back in regards to this dispute. The following item in question that begs to be verified or removed is reported as follows : Account name : XXXX XXXX   Type : N/A Status : Collection/Chargeoff Past due amount : {$3500.00} Reported : XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX, Balance : {$1100.00} XXXXXXXX XXXX XXXX ), XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX L ( Date Opened : XXXX. XXXX, XXXX, Balance : {$360.00} XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$900.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$440.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$980.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$2400.00} XXXX XXXX XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

These a second complaint trying to resolve this matter, in previous communication your company had stated that was going to remove this account ending in XXXX from the three credit bureaus. however XXXX still showing this account this is inaccurate reporting, please have them remove such account from my XXXX credit report.
Product: Credit reporting or other personal consumer reports

I XXXX a victim of XXXX XXXX  and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know XXXX XXXX  a XXXX XXXX XXXX  theft and that 2 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/2023, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an XXXX XXXX XXXX XXXX currently XXXX overseas. I recently received a copy of my credit report. The credit report showed the CRAs XXXX, Equifax and XXXX are reporting inaccurate information on my credit profile, even after I have sent them thorough proof, that they are reporting inaccurate info. They have not investigated the accounts properly. All three bureaus are in violation of FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C. No. XXXX ). 

I have sent a number of documents proving the following facts. 
I AM an XXXX XXXX XXXX CURRENTLY XXXX overseas Department of Defense Loan for XXXX has been paid off having a XXXX BALANCE since XX/XX/XXXX but they continue to report it as an unpaid collection XXXX XXXX XXXX is a {$900.00} debt that was created fraudulently. XXXX XXXX claims to have sold the debt, yet the company that the account was sold to REMOVED the account from my credit profile.
Product: Credit reporting or other personal consumer reports

Account XXXX is no longer reporting on the consumer file due to inaccuracy and has been removed. Transunion is still reporting the inaccurate information and failed to provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information