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

I have a paid and closed account on my credit file from XXXX XXXX XXXX. This account was paid and closed in XX/XX/2014. to this day XXXX & XXXX reports the CURRENT STATUS as 120+ days past due. How can that be a current status when the account is paid and closed? and has been for over 3 years now.

The current status should be reporting as Paid & Closed or Closed, not late!

This reporting is very damaging to me, and is causing me problems when I try to pursue a mortgage. this current status reporting needs to be corrected as its incorrect
Product: Mortgage

I have a mortgage that is serviced by Guaranteed Rate through XXXX On XX/XX/2020, I signed up for automatic payments amounting to {$3000.00}. I repeatedly checked the account between XX/XX/XXXX and XX/XX/2020 to ensure that the payment was posted. No notification was made that payment had been or would be posted. The mortgage servicers home page only said that the automatic payment would be made " XX/XX/2020. '' By the end of the business day XX/XX/2020 no payment had been posted and no notification of payment was given. An email was sent to customer service and no reply was or has been received. A manual payment of {$3000.00} was made and automatic payments were canceled. Notification emails were immediately received indicating that automatic payments were canceled and that a one-time draft was active. On XX/XX/XXXX, an email was received indicating that a payment of {$6000.00} was received, though only one payment of {$3000.00} was posted to my bank account. I called customer service on XX/XX/2020 and was told that the payment second would not be canceled, and I would have to wait to refund the payment, which would require waiting 10 days then emailing documentation of the withdrawal to customer service. Details on the type of documentation to be sent in were not given, and I was told that it would take a minimum of 48 hours before the email would be even be opened by a customer service representative, that no notification of the email being received would be given, and that I would have to wait for a written letter if there was an issue with the information I sent. No timeline for how long this would all take was given. On XX/XX/2020, the payment was posted to my bank account and an email was sent to customer service, for which no reply was received, and another call was made to customer service. Customer service again indicated I had no choice but to wait to apply for a refund, no exception could be made for any issues, and that any communication would be sent to me via posted mail. 

It is unacceptable that Guaranteed Rate be so shady in their payment posting, refund and cancellation practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several fraudulent accounts are reporting on my credit report as a result of identity theft. Equifax I was told would remove and block these accounts. On a call made friday the XXXX I was told that the fraudulent accounts would be blocked from appearing on my credit report within 72 hours and was given XXXX confirmation numbers supporting this. I called back today the XXXX to confirm this information and to ensure these accounts were removed and blocked from my credit report to which the representative informed me that the previous representative was lying to me and that the information would not be removed and blocked and said that I would have to go through another pointless dispute process. I tried to explain to representative that I had already went through the dispute process multiple times and that this issue was still not corrected she did not seem to care nor understand and instead offered to initiate a dispute
Product: Mortgage

XXXX, attorney XXXX XXXX ( fired ) XXXX XXXX filed a foreclosure against me, I have no mortgage, I have a paid in full. From XXXX XXXX XXXX. The lawyer knows its fake, he received the PSA from me, it clearly states no assignment was TRANSFERED, there is no trust or trustee. The lawyer handed Robo assignments in and brought a fake witness to to TESTIFY. Referee XXXX XXXX XXXX XXXX, tampered with minutes from hearing, inserting a witness on minutes, entire proceding was recored. I sent copy to court reporter. XXXX XXXX. When she seen herself on film, she stated XXXX XXXX mad her do it. Fraud in the FACTUM.they stole my Mail, signed my name to a electronic transfer of FUNDS
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and updated : XXXX XXXX XXXX  XXXX XXXX .... Balance : {$17000.00}
Product: Debt collection

This showed up on my credit reports. I have never heard of these people. I have no contact information, there web site does not give a mailing address. 
How can I get legal validation if there is no way to write them?
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans have been XXXX by NELNET/ XXXX Department of education XXXX They should say PAID/CLOSED AND XXXX ( XXXX ) BALANCE ON ALL XXXX  CREDIT BUREAUS. SEE ATTACHED LETTER FROM NELNETXXXX DEPARTMENT OF EDUCATION AS XXXX!! XXXX XXXX AND XXXX SHOULD ALL SAY PAID/CLOSED XXXX BALANCE EFFECTIVE XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report a fraudulent account that has been inaccurately reported on my credit file. The account in question is listed under " XXXX XXXX XXXX XXXX '' with the following details : Account Type : Installment Account Loan Type : XXXX XXXX Date Opened : XX/XX/2018 Balance : {$2900.00} Monthly Payment : {$37.00} Pay Status : 30 Days Past Due I did not open or authorize this account, nor have I ever had any dealings with XXXX XXXX XXXX XXXX . This account is fraudulent and was added to my credit report without my knowledge or consent. 

This fraudulent account is causing significant harm to my credit profile, including lowering my credit score and misrepresenting my financial obligations. I have not received any communication from XXXX, XXXX XXXX XXXX XXXX, or their servicer, nor have I ever signed a promissory note or agreement associated with this account. 

I am requesting that the CFPB investigate this matter and ensure the following : This fraudulent account is promptly removed from my credit reports across all credit reporting agencies. 
XXXX XXXX XXXX XXXX provides documentation validating this account or confirms its removal. 
Any adverse effects caused by this fraudulent account, including a lower credit score, are rectified. 
To support this complaint, I am providing the following documentation : FTC Affidavit A copy of my credit report highlighting the fraudulent account. 

Any additional supporting evidence, if required. 
I am requesting a thorough investigation into this matter and a resolution as soon as possible. 

Thank you for your assistance in resolving this issue
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed that I've been a victim of identity theft and found numerous credit inquiries that I have no knowledge of. 

Here are the names and dates of the inquiries : XX/XX/year> : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We represent XXXX and XXXX XXXX. Despite being provided on multiple occasions with insurance information, XXXX XXXX XXXX has continually refused to bill the XXXX ' medical insurance company, and now their automobile insurance company, for bills that resulted from an automobile accident. It has assigned these accounts to XXXX different collection agencies, the most recent being XXXX XXXX XXXX and Patient Account Services, both of XXXX, Florida. Further, despite instructions to the contrary, these collection agencies have refused to cease communication with our clients and to communicate with us, the law firm. As recently as today, XXXX XXXX, 2016, Patient Account Services contacted our clients via telephone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX   XXXX     I submitted a dispute to   XXXX    regarding  XXXX  financial on my credit report. I asked for all the information regarding the account be verified. On   XXXX   XXXX   XXXX   the investigation was completed and it came back verified. It is my belief that  XXXX  did not complete a investigation because EVERYTHING on the account is reporting inaccurately. The high balance is incorrect, the balance is incorrect, and the date of last payment is incorrect. I am fully aware of my rights and if the credit bureaus fail to investigate and update with accurate information according to the FCRA then this account must be removed.  XXXX  is supplying the credit bureaus with outdated, inaccurate information and the accounts should be deleted from my credit reports. You will find a copy of my   XXXX   dispute regarding this account. I have also supplied you with the latest information reporting from Equifax so that you  may  compare the inaccuracies.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my TransUnion credit report. My name is XXXX XXXX, and I reside at XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. 

I recently reviewed my credit report and discovered several inaccuracies that are negatively impacting my creditworthiness and financial standing. Specifically, [ describe the inaccurate information, such as incorrect account balances, accounts that do not belong to you, late payments that were made on time, etc. ]. 

These inaccuracies are concerning as they can have detrimental effects on my ability to access credit, obtain favorable interest rates, and secure housing or employment opportunities. Despite my efforts to dispute the inaccuracies directly with TransUnion, the errors persist, indicating a failure on their part to conduct a thorough investigation and correct the information. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) intervene and initiate an investigation into the inaccurate reporting practices of TransUnion. Additionally, I urge the CFPB to take appropriate enforcement actions to ensure that TransUnion complies with its obligations under the Fair Credit Reporting Act ( FCRA ) to maintain accurate and up-to-date consumer credit information. 

Enclosed with this letter are copies of my credit report highlighting the inaccuracies, as well as any supporting documentation that substantiates my claims. 

Thank you for your attention to this matter. I trust that the CFPB will take prompt action to address the inaccuracies on my credit report and safeguard the rights of consumers. 

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

I recently challenged the validity of XXXX XXXX Account XXXX thats being reported on my most recent credit report. Upon challenging this, XXXX updated the payment history to current with no late payment history based on lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Transunion, they have verified this same account. Its my understanding that the creditor reports the same information to all credit bureaus as expected by FCRA. If the information is true, Im requesting the information Transunion used to verify this account payment history in writing. If such documents can not be produced please notify Transunion to update this account on my credit report immediately. Transunion failure to validate the account violates my rights as a consumer. How is it that XXXX doesnt reflects a late payment. Transunion reflects late payment for XX/XX/XXXX and XXXX reflect late payment for XX/XX/XXXX. If the information was validated all credit bureaus would reflect the same information. Im requesting legal action to remove information from my account immediately
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Specialized Collection Systems INC Account Number : XXXX To XXXX XXXX XXXX : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt to Specialized Collection Systems INC. Please attach copies of any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports.I require compliance with the terms and conditions of this letter within 10 days, a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time- barred as well as in violation of Texas medical privacy rules.vI also hereby reserve my right to take private civil action against you to recover damages. 

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

Back in XXXX I advised XXXX XXXX XXXX that one of the consumers I included into my debt consolidation loan with them was still reporting that my loan with one of the companies was unpaid. The only information that I received was that XXXX XXXX mailed the check and the check was cashed by XXXX XXXX. XXXX main never investigated the issue to clear the problem because yet it is XXXX and that same consumer, XXXX XXXX, is now on my credit report in collections status. XXXX XXXX  advised that this is not their issue but yet still expects me to make my monthly payments with them for loans they didnt payoff in full as stated in our contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

they have not yet deleted the fraudulent accounts on my account even after the creditors verified that they dont belong to me and too remove them.
Product: Debt collection

Commonwealth Financial Systems Inc is reporting an alleged debt that does not belong to me to the credit bureaus. I have sent a certified letter to Commonwealth Financial Systems Inc asking them to validate by providing any, and all contracts SIGNED by me. If they are unable to do so, I they need to delete the debt ASAP and NOT resale this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiry that is still reporting on my Credit Reports : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XX/XX/XXXX
Product: Student loan

Lender acquired my student loan account in XXXX  from the US Dept if Education. Lender is yet to credit me for XXXX XXXX from XXXX. Gor several years, vendor stated they are " manially '' verifying the information from previous service provider.
Product: Checking or savings account

Joint bank accounts a checking and a saving with an Ex-boyfriend. 
ex boyfriend used a fraud check to deposit to checking and saving with drew funds at ATM and walked in to a walk person teller. 
caused both account to be overdrawn and charged off. 
XXXX - XXXX. 
Report me to XXXX XXXX which I have already filed a claim with them as well help me with this hardship I was not aware and nor am at fault. 
this is a hardship for me alone as a single mother with now bad credit. 
your assistance is greatly appreciated. 
if you need to contact via phone please do XXXX stay healthy & safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX : # XXXXXXXX XXXX XXXXXXXX at XXXX : XXXX XXXX XXXX XXXX at 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The following items that need to be investigated and corrected from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Experian 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 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

Upon reviewing my credit report, it has become evident your company, acting as a consumer reporting agency, along with the so-called " creditor, '' have unlawfully provided my information without obtaining my written consent, as explicitly required by 15 USC 1681B of the FCRA. It is imperative that you understand that I do not consent to the unauthorized furnishing of any of my information by any means, as delineated by my rights under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, in light of the provisions stated in 15 USC 1692a ( 2 ) of the FDCPA, it is evident that the transmission of information regarding a debt, directly or indirectly, through any communication medium constitutes a " Communication. '' As per the literal interpretation of " any medium, '' this encompasses various forms of communication, be it oral, written, electronic, or others. Therefore, the act of furnishing my consumer report, which contains information about the alleged debt, constitutes a " Communication '' under the FDCPA. 
In accordance with my rights outlined in 15 USC 1692c ( c ) of the FDCPA, I hereby provide you with formal notice to immediately cease all further communication pertaining to this account. This includes, but is not limited to, any form of contact such as telephone calls, emails, social media interactions, or any communication made through a Consumer Reporting Agency. 
Please be advised that any continued contact or communication from your company or its agents, except for a communication acknowledging receipt of this letter, will be viewed as a violation of the FDCPA. It is crucial that you take this notice seriously, as I am fully prepared to exercise my rights under the law. 
Failure to respect this cease-and-desist notice will leave me no choice but to pursue legal action against your company. Please understand that in any ensuing legal proceedings, I will seek all available remedies and potentially claim damages allowed under the FCRA and the FDCPA. 
I urge you to promptly address this matter and comply with this cease-and-desist notice to avoid the need for further legal intervention. I kindly request a written acknowledgment of receipt of this letter, along with your commitment to comply with the instructions provided.
Product: Vehicle loan or lease

The Bureaus did not properly investigate my account with CHRYSLERCAP XXXX because incorrect information is reported on this account. A lot of errors in terms of the remarks. The payment history is incomplete and inaccurate. The 30 Days late is showing multiple times. This is damaging and irrelevant. Also, they payment status and the past due is being reported differently. I suggest that you should repair and update this account for legal and accurate furnishing. Thanks
Product: Mortgage

US BANK will not subordinate a XXXX home equity credit so my wife in I can refinance our home. us bank payment is XXXX payment per month, our home payment is at XXXX month. our new home mortgage payment would be about XXXX month. i am a XXXX veteran with XXXX adult biological daughters at home who are XXXX XXXX with the oldest suffering life threatening issue at XXXX weeks of age with among other medical issues suffered a XXXX in layman 's terms. we need to have a lower home mortgage payment. the reason us bank will not subordinate is that we were late on 2 payments in 24 months due to COVID help is needed i have spoken with at dozen or so US BANK employees in the past 4 days who reportedly filed my complaint to the subordination team or have transferred me to another person or given me another phone number to call i have called the Attny General and filed a complaint with this office as well as the Office of Comptroller of Currency. the AG office gave me the information of the Dept of Commerce here in Minnesota who provided me with the CFPB
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT COLLECTIONS ACCOUNT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX