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

I filed atleast 10 complain since XX/XX/2021 about same issue that Credit bueros reporting late payment of my one mortgage with XXXX XXXX XXXX account # XXXX .. this case is going on since XXXX and XXXX says they never reported to credit bueros and Transunion says shellpoint has reported it. 

1. I am attaching credit report here - where negative report is appearing 2. I am also attaching shelpoint letter where they mentioned they never reported. so who is lying here, either XXXX is lying or Transunion and XXXX is lying. 

If XXXX never reported negative report then who has reported and why credit bueros showing it on report
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Credit Acceptance Corporation is erroneously reporting my account 30 days past due to the major credit reporting agencies. I have reached out to the company to dispute this erroneous reporting and to request a statement of payments and charges. They have stated to me that I have to complete a dispute form and that would be mailed to me. I have requested this information since XX/XX/2020 and it is now XXXX and I never received the document. I requested it twice. There is a discrepency of approximately {$180.00} which I believe are late fees, however they are reporting my payment of {$520.00} late since XXXX and my regular monthly payment is not 30 days past due. The representatives are rude and are not clear with what the discrepency is. Please assist me with dealing with this matter. The remedy I am seeking is for XXXX XXXX XXXX to remove the late reporting to my credit reports and to correct my billing. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this CFPB complaint in accordance with the FCRA to formally dispute the unauthorized inquiries listed on my credit report. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. These actions were initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information. The fraudulent inquiries listed on my credit report are in direct violation of this right. I respectfully request that the following inquiries be immediately removed from my credit file : XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  - XX/XX/XXXX. I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within XXXX  days. Please provide me with written confirmation that the fraudulent inquiries have been removed from my credit file within XXXX business days. Failure to do so will leave me no choice but to escalate this matter further.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute Regarding Inaccurate, Outdated, and Unverifiable Information Under FCRA Dear Sir or Madam, This letter serves as a formal Notice of Dispute regarding inaccurate, outdated, unverifiable, and unauthorized information appearing on my credit report. Your obligations under the Fair Credit Reporting Act ( FCRA ), the Privacy Act of 1974, and related statutes require you to ensure that all furnished data is accurate, verifiable, and compliant with privacy laws. Below, I outline the specific accounts and reasons for this dispute, supported by applicable federal laws and regulations. 

Accounts in Dispute : XXXX XXXX Account Number : XXXX Reason for Dispute : The account includes an inaccurate balance adjustment that does not align with prior statements. This inconsistency violates 15 U.S.C. 1681e ( b ), which mandates credit reporting agencies to maintain accuracy. 
XXXX Bank Account Number : XXXX Reason for Dispute : The payment history reflects an erroneous delinquency for a period during which the account was in good standing. This reporting error breaches 15 U.S.C. 1681s-2 ( a ) ( 1 ) and misrepresents my creditworthiness. 
XXXX Bank Account Number : XXXX Reason for Dispute : The account reflects an incorrect status of " open '' despite being closed and fully paid. This misrepresentation violates the " maximum possible accuracy '' requirement under 15 U.S.C. 1681e ( b ). 
XXXX XXXX  Account Number : XXXX Reason for Dispute : The account shows a duplicate entry with conflicting balance amounts. Duplicate reporting violates 12 C.F.R. 1022.42 and creates an inaccurate depiction of my obligations. 
XXXX XXXX  Account Number : XXXX Reason for Dispute : The payment terms reported for this account are inconsistent with the original agreement. This inaccuracy undermines the validity of the report and breaches 15 U.S.C. 1681s-2 ( b ). 
XXXX XXXX Account Number : XXXX Reason for Dispute : Late fees have been inaccurately applied to months with no activity, constituting a reporting error under 15 U.S.C. 1681s-2 ( a ) ( 2 ). 
XXXX XXXX Account Number : XXXX Reason for Dispute : The reported credit limit does not match the terms of the original agreement, creating an erroneous debt-to-credit ratio. This discrepancy violates 15 U.S.C. 1681e ( b ).

Legal Basis for Dispute : 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to adopt reasonable procedures to ensure " maximum possible accuracy '' of information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits furnishers from providing inaccurate or unverified information.

15 U.S.C. 1681c ( a ) : Limits the reporting of certain derogatory information to seven years.

15 U.S.C. 1681b : Restricts consumer reporting agencies from adding items to a report without written consent.

Privacy Act of 1974 ( 5 U.S.C. 552a ) : Protects against unauthorized disclosure of personal information, including consumer reports.

12 C.F.R. 1022.42 : Mandates furnishers to investigate and correct inaccuracies promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a cash bequest which I used to pay off large amounts of debt. I did this for 2 reasons ... 1. I am now a retiree and I wanted to reduce my monthly outgoings and 2. I wanted to improve my credit score as I am about to purchase a new car ; I wanted to finance this. 

I paid off my ~ $ XXXX mortgage and my $ XXXX HELOC with Chase and I paid off my $ XXXX Auto Loan. I still have another auto loan ( ~ $ XXXX ), a 0 % interest credit card with about $ XXXX outstanding, my XXXX XXXX XXXX and I have no serious delinquencies. 

My initial complaint was with Chase as they were still reporting my ~ $ XXXX HELOC as outstanding nearly 2 weeks after I had paid it off and this was affecting my credit utilization which was at 51 % before the loan payoff was acknowledged ; this gave me a credit score of around XXXX. I applied to XXXX XXXX for an auto loan for my new car and I was turned down flat by every lender. I was told that my credit utilization was too high. I complained to Chase and the Credit Reporting Agencies that old data was being reported and this was detrimentally affecting my ability to borrow money and Chase fixed the reporting on their end. 

I didn't need my HELOC anymore and I was not going to use this for my Auto Loan as the interest is too high and it's an adjustable rate. Chase asked me if I wanted to close the account which, of course, I did as the account is redundant. Nobody warned or advised me that this could have a damaging effect on my Credit Rating. 

Once XXXX  acknowledged that the loan had been paid off, they sent me a mail alerting me to a change in my credit score. I had paid for credit monitoring and I logged into my dashboard to find that my credit score had dropped to XXXX. I called XXXX to discuss this and I was told that the act of closing my HELOC was/is viewed negatively but they were unwilling to explain why. 

I have an excellent ( 24 year ) record of responsible borrowing and on-time payment. I now own my house free-and-clear ( ~value $ XXXX ) and my current car ( ~ $ XXXX ) and I have liquid assets of around $ XXXX and semi liquid assets XXXX investments ) of around $ XXXX. 

Why did Chase not warn me of the potential negative outcome of closing my HELOC account? 

Why am I being penalized for paying off my debts? I can now no longer borrow money at all. If I could borrow, it would be at exorbitant rates of interest. 

How can this be fair or even legal? 

Why are people not given clear information on what affects their Credit Ratings so that they can make the appropriate decisions? I would not have closed my HELOC account if I had known that this would cause my credit score to crater.

It seems that I am being blackmailed into staying in debt to avoid my credit rating being damaged ... this is extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was denied an apartment due to an eviction. I was denied again XX/XX/XXXX for the same reasons. My XXXX XXXX report has no evictions and the only eviction on my credit report was removed XX/XX/XXXX. I have paid a total of XXXX in application fees just to be denied through AM rentXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THIS IS A LIST OF FRAUD INQUIRIES XXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX FED XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXX NA INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX CAPITAL XXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX INQUIRY DATE XXXX XXXX date XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In XXXX, I was refinancing my mortgage and all of a sudden a missed payment on a supposed XXXX account in XXXX showed up on my credit report. This issue was not on my credit report just XXXX years earlier, it just popped up on it. 

XXXX never sent me any notice that I owed them money from XXXX years ago for XXXX month payment. No back up information of any kind was ever provided to me, they just say I owed it and the credit reporting agencies marked my credit rating significantly. I filed a dispute and XXXX was the only one that seems to have corrected it. 

I went in to buy a car this week and this XXXX  year ago issue still reduces my credit score significantly. This is the only mark on my credit and it reduces my credit score by XXXX points. 

Again, I reached out today to dispute it, and Experian responded in about XXXX minutes that the dispute was resolved with no apparent change coming. 

To have a single payment issue from XXXX ago suddenly appear on your credit report is bad enough, but when that is the only mark on you credit to have it reduce your score by 25 % is ridiculous. Again, XXXX never said I missed a payment either XXXX  years ago nor any time since. It just got put on there decades later and there's nothing I can do about. That just seems crazy
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Mortgage

The CFPB, in conjunction with regulatory agencies, should be working to reduce the number of loan transfers from one Loan Service to another. Loan transfers impact borrowers with the burden of constantly setting up new autopay account for the new servicer creating confusion for the borrower. There should be a penalty of some charge for every time a servicer transfers a loan.

1. if a loan is transferred, the payment arrangements are transferred as well 2. forcing the borrower to keep track of the transfers is an undue burden on the borrower. They make their payments on time. The banking and finance business should not be a problem for the borrower. The borrower does not get any advantage from the transfer, so they should not be impacted.

3. Have a limit on the number of times a loan can be transferred.
Product: Mortgage

HAVE SENT SAME PAPERWORK FOR " MY INCOME ONLY '' ONLY ONE ON LOAN TYPED UP A LETTER OF EXPLANATION!!!!!!!!!!!!!!!!! SEE XXXX FILE JOINTLY WITH MY SPOUSE AND EXPLAINED IT MY " INCOME ONLY ON APPLICATION '' HAVE SENT SEE XXXX SENT SINCE XXXX!!!!!!!!!!!!!!!!!! WHY CAN NOT ANYONE READ IT! DONT NEED TO SEND HER 1099 INFO BUT DID SHE IS NOT ON LOAN!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT THEY DO NOT BELONG TO ME SOMEONE USED MY SOCIAL AND PHOTO ID TO OPEN THESE ACCOUNTS I DID NOT OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

The debt collector threaten to seize property contacted family members about this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these companies to inform them that there are unauthorized inquiries on my Credit Report and they have not removed them I

nquiries 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 Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Inquiry 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

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me XXXX denials and XXXX anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Product: Credit card

A company hired to help us raise our credit scores ( which did not happen ) filed customer disputes " on our behalf ''. We are trying to qualify for a new mortgage ( to downsize to a much smaller mortgage ) and need disputes off our credit file. A dispute was filed with Macy 's and I can not reach a live person. The other dispute with CitiMortgage is supposedly being deleted, but we need Macy 's to remove the dispute soon! Their automated " customer service '' is anything but.
Product: Payday loan, title loan, personal loan, or advance loan

I went to transform credit to see about a loan, putting my information upon doing so was told I need to cosigner, so I never continued any further with the loan or process come to find out they company opened a so-called credit builder in my account and has been debiting my bank account and upon contacting the company requesting them to show me proof of this so-called account they have not done I try to login into their so-called XXXX XXXX portal. It says theres no information or records of me at all and try to call the company cant get a hold of any live person and I want my credit report cleared of this and the money that they have stolen from me given back and I want them to be held accountable for their fraudulent and deceiving practices
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquires that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispued account on my credit report that were made without my consent. According to section 604 of the fair credit reporting to section ( 15 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Also False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankrupcty on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted.
Product: Bank account or service

Bank of America has lost a transaction I made around XXXX/XXXX/2014. The transaction amount was for {$3000.00} loan made to another party. The parties name is XXXX XXXX XXXX XXXX account number XXXX his bank is XXXX XXXX. According to Bank of America this transaction never took place. I would like for Bank of America to tell how come my account mysteriously lost {$3000.00} around that time frame.
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 Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights.