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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute certain violations of the Fair Credit Reporting Act ( FCRA ) by the creditors listed below. These violations have adversely impacted my credit history and financial well-being, and I kindly request your intervention to ensure that the legal provisions outlined below are enforced. 

XXXX XXXX - Account Number : XXXX Violation : Inaccurate reporting of payment history, negatively impacting my credit. 
Legal Violation : FCRA Section 623 ( a ) ( 2 ) XXXX | XX/XX/XXXX - Account Number : XXXX Violation : Unauthorized credit pull without my consent. 
Legal Violation : FCRA Section 604 XXXX XXXX - Account Number : XXXX Violation : Inaccurate reporting of payment history, negatively impacting my credit. 
Legal Violation : FCRA Section 623 ( a ) ( 2 ) XXXX | XX/XX/XXXX - Account Number : XXXX Violation : Unauthorized credit pull without my consent. 
Legal Violation : FCRA Section 604 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX - Account Number : Address Violation : Incorrect personal information ( address ) reported. 
Legal Violation : FCRA Section 607 ( b ) XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX - Account Number : Address Violation : Incorrect personal information ( address ) reported. 
Legal Violation : FCRA Section 607 ( b ) These violations have caused significant distress in my life. For instance, the inaccuracies in my credit report have hindered my ability to secure favorable interest rates on loans, jeopardizing my financial stability. As a direct result of these violations, I faced a heartbreaking situation recently. 

I was in the process of purchasing my first home, an achievement I had been working towards for years. The culmination of savings and sacrifices was on the brink of fruition. However, due to the incorrect information on my credit report, I was denied a mortgage loan that I had been pre-approved for, based on inaccurate credit scores. The emotional toll was immeasurable my dreams dashed, and the stability of my family compromised. 

I implore the Consumer Financial Protection Bureau to enforce the provisions of the FCRA and request that the following actions be taken : Conduct a thorough investigation into the violations committed by the aforementioned creditors. 
Ensure that these creditors provide accurate and updated information to the credit reporting agencies. 
Facilitate the removal of unverified and inaccurate accounts from my credit report, in accordance with FCRA regulations. 
I understand the importance of accurate credit reporting and its impact on consumers ' lives. Your intervention is crucial in rectifying these violations and alleviating the hardships I have endured due to these inaccuracies. 

I sincerely thank you for your attention to this matter and appreciate your dedication to upholding consumer rights. I eagerly await your response and resolution of these pressing concerns. 

Sincerely, XXXX XXXX
Product: Mortgage

I am an XXXX resident and I hold a mortgage with Citadel Servicing for a vacation property in XXXX XXXX XXXX. I have held this loan for almost 4 years. I always pay my payments on time and without issue. However, this becomes very difficult when the lender does not provide sufficient notice of the intent to alter mortgage payments. 

I received notification on XXXX XX/XX/2020 of the intent to increase my repayments with effect from XXXX XX/XX/2020 as a result of an increase to the escrow. I note that the letter confirming the increase was dated XXXX XX/XX/2020. 

Our postal address is an XXXX address. 

My complaint relates to three matters : 1. We are not able to increase our mortgage payments on XXXX XX/XX/2020 if we are not advised until after this date. I am concerned that this will impact my credit rating and that I will be charged a late fee. 

2. The justification for the increase in escrow in unclear. Please provide further explanation as to the reason for a {$120.00} per month increase. 

3. Our escrow costs increased last year, resulting in the same poor customer experience in lack of adequate notice. I was advised at the time that this matter had been escalated and would not be encountered again. Citadel is not providing adequate notice and this needs to be addressed. 

I contacted Citadel on XXXX XXXX, the day I received the notification asking for them to contact me as a matter of urgency and to treat my contact as a complaint. 

To date, I have not received a reply. The only contact I have received is an email from an unmonitored email account advising that my mortgage payment had not been received ( which it has, it is just less than value of the increase rate effective XXXX XXXX ). 

I am seeking your assistance in order to address a systemic issue with this organization and to improve the communication methods they employ.
Product: Vehicle loan or lease

Herbies auto sales XXXX colorado XXXX XXXX XXXX  on XXXX colorado On XX/XX/XXXX I was trying to buy a car on Herbies auto sales but they didn't told me what was a lease on XXXX I get the lease for XXXX I found that was a lease for a hause seller that I paid more than XXXX for the lease I told them and they say they can do nothing for me and they erase that on credit report after that I decided to buy the car and make the new contract I buy it on payment I bought it on XX/XX/XXXX but they say I pay XXXX cash but I was making payments and they don't want to give me the extra XXXX over pay on lease and put those years on payments on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I originally had XXXX student loans that were part of the federal student loan program. Unbeknown to me, at some point, Congress privatized my loans, and they were taken over by XXXX. After recently checking my credit report, I discovered XXXX 90-day late payment for XX/XX/XXXX, but the payment for all the months prior reflected as current. I was under the impression that these loans were automatically included in the provisions to have student loan payments paused under the CARES Act. After speaking with two different XXXXXXXX  customer service representatives on XXXX, I was informed that these two loans were not covered under the CARES Act, and instead, they had been put into suspension under a Student Debt Burden Forbearance. I was also informed that this forbearance was back dated to cover whatever 90-day late payment listed on my credit reports, as if it was never late. Both customer service representatives refused to removed the inaccurate 90 day late payment from my credit report, even by reflection of what they reported, there was no 90 day late payment. This negative 90 day mark on my credit reports is causing me even more undue and unnecessary hardship during this pandemic that our nation is facing. My provisions and protections under the CARES Act have been violated. After the unwillingness of XXXX to comply, I also disputed this information directly with the credit bureaus, and XXXX was said to have verified and updated the information, but the one late payment remains. 

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, XXXX. XXXX XXXX. XXXX ( XXXX. XXXX, XXXX ), at section XXXX, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to XXXX XXXX. XXXX ( a ) ( XXXX ). This new FCRA subparagraph provides protections only if a creditor approves a consumer for an accommodation. An accommodation is an agreement for a forbearance, a payment deferral, a partial payment agreement, a loan modification, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX ( COVID-19 ) pandemic during the covered period. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( i ) ( I ). 

I was accommodated when the payments were put in its deferred status, and XXXX did not delete the negative mark from my credit report. They only commented that the payments are deferred until XX/XX/XXXX. I demand that XXXX remove the 90 late payment mark from XX/XX/XXXX, and show it as " ok '' and current.
Product: Credit reporting or other personal consumer reports

TRANSUNION XXXX and XXXX are reporting a account by the name of XXXX XXXX XXXX per the FCRA and CFR as a federally protected consumer I am opting out of the utilization being reported for this account as a federally protected consumer I am opting out of any and all authorization I the consumer may have given these corporations to report the utilization for this account whether it be written unwritten verbal and non verbal per 2 CFR 910.364 - Reporting on utilization of subject inventions states unless otherwise instructed utilization can be reported to my consumer report I am now herby instructing TRANSUNION XXXX XXXX and XXXX XXXXXXXX XXXX that I do not consent for utilization to be reported for this account related to XXXX XXXX XXXX on my consumer report 2 CFR 910.364 - Reporting on utilization of subject inventions also states the information supplied in a utilization report is privileged and confidential and that only the Government is allowed to be disclosed all the information included in a utilization report this includes all transaction history between I the consumer and XXXX XXXX XXXX. XXXX TRANSUNION and XXXX are not the Government they are credit agencies the utilization being reported is a violation of 2 CFR 910.364 - Reporting on utilization of subject inventions due to the fact XXXX XXXX XXXX disclosed the utilization report to non government agencies. This account is also being reported as charged off on my consumer report a charge off is considered a certificate of indebtedness which means it is income income is non public information and that non public information being reported on my report is a violation of my privacy rights under the privacy act of 1974. The account is also being reported inaccurately TRANSUNION shows the date the account was last active as XX/XX/XXXX while XXXX shows XXXX and XXXX shows XX/XX/XXXX this is a violation of 15usc 1681b reasonable procedures it is required by all consumer reporting agencies to report information which is fair and equitable to me the consumer in regards to accuracy and confidentiality. The reporting of this account is unfair and inequitable to I a federally protected consumer.
Product: Credit card

Ive called the retailer which is XXXX about four order numbers, five items, altogether purchase separately, but shipped and delivered on the same day they were delivered to the wrong address. The delivery photo that the driver takes obviously shows that it was not my building or you in my neighborhood from the background in the building that it was made against And I was standing out but regardless I called the credit card company after XXXX denied the refund they were no help. I asked them every question I was supposed to sit on hold for an hour and a half at least the phone disconnected after they told me theyre gon na transfer me to the person that could help I called again. They said they could not help me. This was last night Which was Saturday, XX/XX/2023 Ive been dealing with XXXX since XX/XX/2023 Ive spoken to 33 representatives These are the four order numbers of the five products that never got delivered to my residence and I was not reimbursed for the dates were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX was is the actual delivery day XXXX XXXX XXXX XXXX XXXX Order date : XX/XX/2023 Order # XXXX Order total {$18.00} ( 2 items ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ... {$9.00} Qty : 1 Sold By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ... {$8.00} Qty : 1 Sold By : XXXX XXXX Order date XX/XX/2023 Order # XXXX Order total {$36.00} ( 2 items XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  {$5.00} Qty : 1 Sold By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$29.00} Qty : 1 Sold By : XXXX XXXX XXXX - Order date XX/XX/2023 Order # XXXX Order total {$12.00} ( 1 item ) XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX ... {$12.00} Qty : 1 Sold By : XXXX {$67.00} total No actions were taken by the company though they admitted they did deliver it to the wrong address The delivery proof photos of the driver took theyre not of my resident I live in a brick building. Theres no white vinyl shining or flower pot gardens anywhere in my neighborhood and park. Benches are outlawed. This is not my neighborhood or my building or my residence is and disputable
Product: Credit card or prepaid card

On XX/XX/, this charge from the Hilton XXXX XXXX hotel in XXXX posted on my account but the bonus points were not correctly calculated per the advertised multiplier of 14x for Hilton hotel ( rather 3x was applied ). Customer services response ranged from it wasnt their problem the local hotel didnt code the transaction correctly to we will fix it after the statement closes. It is misrepresentation from American Express to tell me when I charge something from a Hilton hotel ( and XXXX XXXX  was confirmed as being on the allow list by customer service ), I will get 14x that amount in Hilton bonus points if they are going to blame other parities. I have no control over that. This needs to be fixed immediately.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it legal obligation under the Fair Credit Reporting Act to conduct reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systematic issues such as filing 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

TODAYS XXXX XXXX, XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VT XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX GA XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX PA XXXXXXXX XXXX XXXX 

I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX I Reported : XXXX. XXXX, XXXX CHILD SUPPORT Reported : XXXX. XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion XXXX XXXX cause someone use my social security number it was some inquiries I sent in the information they ask for XXXX they still didn't remove the items from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact these accounts are in dispute. The accounts are as follows : 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 and PUBLIC RECORDS accounts. Every single one of these line items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Sun XXXX XXXX XXXX XXXX Subject : Debt Verification Request Due to Equifax XXXX Breach To Whom It XXXX Concern '' I am writing to formally request verification of the debt referenced in your recent communication Account Number : XXXX As a victim of the breach, my personal information, including Social Security number, was compromised. I request that you provide the following information to verify this debt : XXXX. The original creditors name and contact information. 
XXXX. The specific amount of the debt and a breakdown of charges. 
XXXX. A detailed record of how this debt was incurred. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt, and I ask that you provide the necessary documentation before any further action is taken. 

If this debt is indeed a result of fraud, I will also be reporting the incident to the appropriate authorities and will seek resolution through fraud protection channels. 
Please respond to this request at your earliest convenience. You can contact me at email address- XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm formally lodging a complaint against Equifax regarding their failure to complete an investigation into an account in question on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

On XX/XX/year>, I sent a letter to Equifax via certified mail with a return receipt, addressing an account in question listed on my credit report that I believe to be incorrect. I received confirmation of receipt from Equifax, with the return receipt dated XX/XX/year>, confirming that Equifax received my correspondence. 

As per the FCRA, specifically Section 1681i ( a ) ( 1 ) ( A ), once a consumer raises a question about the accuracy of information on their credit report, the credit reporting agency must conduct a reasonable investigation and notify the consumer of the results within 30 days. The investigation process is clearly outlined in FCRA Section 1681i ( a ) ( 1 ) ( B ), which mandates that the credit reporting agency must complete the investigation within a 30-day timeframe. 

However, it is now well past the 30-day period, and I have not received any communication from Equifax regarding the outcome of the investigation. As of today, XX/XX/year>, it has been over 30 days since the receipt of my letter, and Equifax has failed to comply with the statutory requirements outlined under the FCRA. Their failure to conduct the investigation within the legally required timeframe constitutes a clear violation of FCRA Section 1681i ( a ) ( 1 ) ( A ) and FCRA Section 1681i ( a ) ( 1 ) ( B ).
Product: Credit reporting or other personal consumer reports

This complaint is for the multiple late payments found on my credit report as of XXXX XXXX XXXX 

According to 15 USC 1681a Exclusions ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transaction -Transaction 1 : something transacted : an exchange or transfer of goods, services, or funds Therefore reporting transaction history such as late payments are illegal. 

These transactions have reported on my accounts with XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX 

15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Transunion, XXXX, & XXXX are NOT maintaining reasonable procedures. Furthermore 12 CFR 1016.7 states that " A consumer may exercise the right to OPT-OUT at anytime. '' Once again I am OPTING OUT of your reporting services for violations listed above. 


NOTE : This is my 3rd complaint addressing these issues and nothing has changed. These transactions are damaging my credit score and affecting my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX/CALIFORNIA XX/XX/2018 XXXX XXXX XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple written appeals to Equifax regarding the fraudulent information being reported on my file. The last letter I sent to them was XX/XX/2022, with complete attachments of my personal information. This Complaint is being submitted through the CFPB to inform the Credit Bureaus that I am a victim of identity theft and the items I am disputing do not relate to any transaction that I have made or authorized nor did I receive any benefits as a result of the theft of my Identity. This Complaint is to follow up on my Previous Complaint last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The account listed below is the result of such crime and must be deleted immediately : DPT EDXXXX-DEPARTMENT OF EDUCATION/XXXX XXXX