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

Hello, I am trying to apply for a Home Loan, XXXX  Credit Score was XXXX  on Experian, and they dropped it by 26 points for just one account credit card, which is my XXXX  XXXX  XXXX. I just had a {$100.00} purchase on {$2800.00} credit limit. This is very unfair, now I have to wait for another month and the house I wanted to acquire is going to be gone. I called their customer service, there is no live person, the automated system has no option to speak with a live person. This is horrendous, all my other Bureaus are over XXXX, Experian has some faulty algorithms, I feel they need to be checked and vetted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, I sent an email to Credit-Control requesting verification of an account with XXXX XXXX  XXXX Their reference number is XXXX. I requested proof/verification of the debt within 30 days per the Fair Credit Reporting Act. They never responded in any manner. 

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX cc : XXXX XXXX XXXX I am writing to inform you that this charge-off has not been proven. I have tried to resolve this with XXXX XXXX  to no avail. 
I am requesting proof for the charge-off : 1. Reason for charge-off ( which reason supports the decision ) 2. Date delinquency started 3. Dates of payments from that time until the charge-off was placed on the credit report 4. How many days from last payment to charge-off date 5. Full details and explanation that supports the charge-off 6. The accuracy of the amount owed Please provide copies of all documents to me supporting your findings.

According to the Federal Credit Reporting Act, you must prove the requested information. If proof of ALL of the above is not provided to me within 30 days ( by XX/XX/XXXX ), I am requesting that the account is not to be reported to the credit bureaus by you or any other collection agency ( meaning that you will not transfer or sell it to other agencies ) and no further collection attempts. 
Thank you, in advance, for your timely response.
Product: Mortgage

i have been back and forth with chase about fraudulent way they handle my modifications and partial claim and incentive breech of contract and every time they close case XXXX provide proof via documentation they cant dispute that so they got me feel i was get somewhere told me give me a selltlement offer by XX/XX/XXXX how about today on XXXX recieve letter say after XX/XX/XXXX new XXXX gave me new acct number i say what about my case they say call new servicer why so they can say that bettween you and chase just like XXXX mod chase say bettween you XXXX same company i dont know whole business but if they pay chase XXXX bal for my home of 32yr chase try steal extended to 58yr big problem XXXX need investigate chase just got rid of a big problem and RED FLAG when i showed proof nothing left but PASS THE BUCK i refused to pay XXXX to chase then XXXX to sps no way i have 30yr fixed chase coherced me for hamp but breeched contract gave me standalone inhouse but collected partial claim incentive hamp incentive have not removed partial claim from record in county i XXXXyr old i wont be able to explain this white collar crime but gone die trying now is chase or in 3day sps responsibled for forgiveness i have 19disputes stem back XXXX same issue but as plot thickens you see doc changed before eyes thank XXXX for internet i have exibit c and d all different depent on which executive mood be honest
Product: Mortgage

have commercial bldg leased to county their fore property tax free. Key Bank escrows {$4600.00} per month with mortgage payment. They charge {$250.00} to audit before refunding any escrow. they refunded part of held money but then charged another {$250.00} to audit again for remainder which they still hold and they still require {$4600.00} a month escrow for non existing taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want this account deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This debt is being reported inaccurately. I do now owe any money to this company.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DOB:XXXX SSN : XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Equifax Dispute Information Center Dear : Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1. XXXX - Account # XXXX XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

2. XXXX  - account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 


3. XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

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

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX - XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelle XXXX 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 was unfeasible. The CFPB XXXX  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.
Product: Mortgage

Roundpoint mortgage Co. established an escrow account to pay my insurance without my knowledge, or authorization. 
They issued payment to my insurance co. without receiving an invoice from them. In several months Roundpoint, has not been able to resolve the problem. They appear to be sincere about fixing the problem but can not get it done. They have not to sent the letter requested by my insurance co. ( letter head memo requesting the money be returned ). My insurance co. has been waiting for several months for the authorization to return the money. They have no problem in returning the funds, but require the written authorization.. 

Roundpoint is now sending me late fee notices and requesting I pay the funds back. Rounpiont has agreed that it is their fault. I have continued to pay the amount of the mortgage payment but not the added amounts for the escrow account. I pay my own insurance by bank draft from my checking account. 

Please help!!! If you look at their reviews on line you will understand what I am dealing with. 

XXXX XXXX XXXX
Product: Student loan

I took out a Federal Student Loan when I was in college ( XXXX ). The total amount of the loan was for {$16000.00}. Since XXXX, I have paid them {$9100.00}. My current outstanding balance is {$16000.00} and the " payoff '' balance is {$16000.00}. So after paying over {$9000.00}, I have only lowered the balance by about {$900.00}. 

I could n't figure out how this was possible, until I did some research about this company. Apparently, they reduce the amount of your payment that goes towards principal based on what day of the month you pay ( if you pay on the XXXX, a higher percentage goes towards principal than if you pay on the XXXX ). I would have happily set up an auto-pay for the XXXX of every month, however this company does not give you an option for auto-pay. This was never explained to me, and apparently was n't explained to thousands of other students that have written complaints about this company online. Several lawsuits have been attempted towards this company, but they have been able to escape them due to their arbitration clause. This company has an F rating on the XXXX website and is not accredited ( XXXX ). This company is intentionally deceptive, does not explain that your payment 's principal/interest varies throughout the month, does not allow you to set up auto-pay, and intentionally delays pending payments to prevent you from paying off your principal, and has thousands of complaints. 

It is extremely upsetting that the Federal Government would sell my loan to such an awful company. I would like to figure out how to either file an arbitration suit against this company, or have my outstanding balance reduced to the fair amount. 

Please let me know if you can assist with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XXXX of 2016 XXXX XXXX XXXX   reported my monthly payment as being late. I called XXXX XXXX the moment I noticed this on my Credit Report. I have never been late on any of my Credit Cards or loans. I never received a statement from XXXX XXXX as I always did, therefore I did make the payment on time due to their negligence on sending the statements. I also never received a phone call from them letting me know about the payment. While speaking with XXXX XXXX there was an individual that stated I should have received a noticed by mail and a phone call ( I believe his name was XXXX ) If the phone calls are recorded then XXXX XXXX should have that information on file, this individual admitted that XXXX XXXX did not take the necessary steps in this situation. I have disputed this item multiple times and it was removed from the Credit Bureaus in the past, but then it is added again ( It just recently happened again ) XXXX XXXX Negligence to provide me with proper community when it comes to payments has affected my credit score and caused stress in my life. Loan interests are higher due to this and it has taken time out of my busy schedule to provide these letters in the hopes to get this rectified. I pride myself on having pristine credit and XXXX XXXX has affected a lifetime of work on my credit. I'm not asking for any money, all I want is fair treatment and to have this item removed. XXXX XXXX is a large Corporation and it is not fair for them to treat a client this way. It is very disappointing how I have been treated and hope to get this resolved. 

Thank you. 

I have submitted this complaint to your office in the past I appreciate any help you may provide to get this handled.

I would like to have the late noticed removed from all of my Credit Reports I will also be filing with the Attorney General 's office
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXIs not correcting the errors when trying to dispute account that don't belong.The accounts are not mines, and I trying to get them remove offbmy credit file.
Product: Credit reporting or other personal consumer reports

I received my XXXX report and noticed a inquiry from Valley National Bank on XX/XX/2023. I have not conducted any sort of business with this financial institute
Product: Mortgage

Please note in the response from the bank the have my account mixed up with a different person with the same name. I did not have an account with this bank in 2016. And I have never had a problem with payments this is very scary that they have mixed up my account history with someone else with the same name. This is the first time I have had an account with this bank and I have never had the problem reported in both of the accounts from the bank. 

The wrong person 's account information has been attached to my complaint the report numbers are : # XXXX 2016 # XXXX 2016
Product: Checking or savings account

Closed account denied disputes and charged off account. Never received statements neither fldid they investigate the claim that was submitted with a police report.
Product: Credit reporting

Who may concern.. 
Hi..I have more than XXXX CREDIT INQUIRES ON MY CREDIT REPORT! I 'm going crazy! I 'm a single mother of XXXX boys ... I have XXXX XXXX! And this CREDIT INQUIRES ON MY CREDIT REPORT, ARE KILLING ME! I ca n't even rent a Apartment for me and my kids!!!!! I need your help! Please help me?? 
Thank you for your time and support
Product: Credit reporting or other personal consumer reports

I am writing to formally request the Consumer Financial Protection Bureaus assistance in removing inaccurate information from my credit report. Despite my repeated efforts to dispute the information with the credit bureaus, and creditors the inaccurate data has not been corrected. 
I was on vacation when my wallet was stolen and somebody took my Information and got accounts in my name. I would like all agencies to delete these false claims because I can note get approved for loan with my credit being so poor. Please delete all negative accounts I have listed on the FTC report. FTC Report XXXX XXXXXXXX. 
This continued failure to address my concerns is a violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following inaccurate information is being reported and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX. I have contacted XXXX, XXXX, And XXXX. Under the FCRA, the credit bureaus are legally required to ensure that the information on my credit report is accurate and must remove or correct any disputed items after a thorough investigation within 30 days. Additionally, the FDCPA prohibits debt collectors from furnishing inaccurate or misleading information, and by failing to comply, they are violating my rights. I demand that the CFPB : XXXX. Investigate and intervene in this matter to ensure that the credit bureaus promptly remove the erroneous information from my credit report. XXXX. Issue a cease and desist order to prevent further reporting of these inaccuracies. 
XXXX. Ensure full compliance with federal law and that all future credit reporting is accurate and fair. If these issues are not resolved in a timely manner, I will consider pursuing further legal action, including complaints to the Texas Attorney Generals Office and potential legal remedies for damages resulting from non-compliance with the FCRA and FDCPA. Enclosed are copies of previous correspondence with the credit bureaus, as well as supporting documentation ( e.g., payment records, statements ) to substantiate my claim. I request written confirmation that the inaccurate information has been removed from my credit report within 30 days. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$22000.00} on the XXXX - partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) The vehicle had numerous issues from the day I purchased it. I tried working with the dealership to replace the vehicle and they refused to help me. It continued with various noises that none of the mechanics could identify within the transmission. I new transmission was put into the vehicle because I had the extended warranty however, even after doing this the vehicle continued to have problems. The dealership wanted to put another transmission into the vehicle. They were not confident that even doing this, would fix the problem. I called the bank and explained the issues I was running into and told them to come and get the vehicle because I was not going to make another payment on a vehicle that spent more time in the service department  continually trying to be fixed. This would end up costing me more than what I was going to spend on the vehicle. ( I have attached documentation and service records of the numerous repairs from XXXX XXXX XXXX and XXXX XXXX XXXX which is the last dealership that was working on the vehicle with the extended warranty. ) This account needs to report a {$0.00} balance. There is no outstanding balance due. This false reporting of a collection/chargeoff is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

The prior mortgage servicer canceled an existing home owners insurance policy and force placed insurance. this increased the escrow portion of my mortgage payment and has since resulted in a large escrow shortage. Also the current servicer has approved a modification that is unaffordable. The offer is   XXXX   months at 4.625 % deferred  XXXX ,  UPB  of  XXXX  p & i of  XXXX  escorw of   XXXX with   XXXX  down
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and saw an outstanding auto loan for {$15000.00}. This was not purchased by myself and was done fraudulently. I have tried to dispute this with not only the company ( Westlake Fin Services ) but with the credit bureaus as well. Still no one has been able to remove this from my credit. I dont even know what kind of car it is!! And it has never been paid on. This is putting a damper on my credit and causing an inability to purchase a vehicle for myself and a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX  Balance {$10.00} XXXX XXXX XXXX XXXX Balance {$6800.00} XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX : {$70.00} XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX  Account XXXX XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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