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

I requested a copy of the legal agreement for this account showing my signature. I also requested a copy of all related documents with my authorization and acceptance of terms and conditions. I received a response stating that the account was reported accurately but did not receive the requested documents. I tried to request the same information a second time and was denied. I was told I could only request this information once and the company verified as accurate. I submitted another request asking for an explanation from the credit agencies on how they can verify something I never approved. That request was also denied. 

In accordance with the Fair Credit Reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Product: Mortgage

TD Bank has continuously ignored our emails regarding their mortgaqge processing errors resulting in incessant delays which pressure us as the proceeds must be redeposited in a Roth IRA within 60 days to preserve tax benefits. 
At closing today errors still remained but we were forced to sign as the 60 day window is imminent. In addition we were informed that proceeds would not be paid until Monday XX/XX/XXXX because they specified a Date of Saturday XX/XX/XXXX which is a non business day. Their closing attorney told us we had no recourse on this because " it was a refinance '' We subsequently found this to be incorrect by consulting the CFPB web site.
Product: Credit reporting, credit repair services, or other personal consumer reports

please update this account STATE EMPLOYEES C UXXXX XXXX XXXX XXXX, NC-XXXX ( XXXX ) XXXXAccount Number : XXXX, to the statues of paid off and paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the different names on my credit report : XXXX said it was a mistake by companies and it doesn't matter... I only have 1 name XXXX XXXX XXXX Received 2 letters from XXXX Credit Card asking for information. I called and said I did not apply. @ nd letter said I was declined. I called they said it was fraud ... and they would review ... and remove from my credit inqueries.. 
I FILED ALSO WITH FTC XXXX XXXX my C/C texted me XXXX WAS BEING CHARGE {$1400.00} I called them and said it wasn't me please block XXXX from my C/C 1.XXXX CARD XXXX XXXX XXXX XXXX DE XXXX XXXX 2. XXXX XXXX  XXXX..REASON AUTO LOAN : I HAVE XXXX DID NOT APPLY TO XXXX 3.XXXX XXXX XXXX XXXX : DO NOT KNOW THIS XXXX 4.XXXX XXXX XXXX ... ..DO NOT KNOW THIS 5. XXXX CREDIT/XXXX  S RV NO PHONE NUMBER... .DID NOT APPLY FOR AN RV 6. XXXX CREDIT/ED XXXX XXXX NO PHONE NUMBER DID NOT APPLY 7.XXXX needs to remove soft credits ... .I was mislead by the web site and I was charged a subscription... .I only wanted the free boost they were emailing me gave me MEMBER ID : XXXX. I CAN NOT CLOSE IT OUT I DONOT WANT THEM CONNECTED TO MY PERSONAL BANK ACCOUNT MY name, phone number are on the DARK WEB I was also scam by an attorney on credit consolidate in 2014 paid 3 years then notified by the attorney generals office that I was a victim
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$400.00} ; XXXX  XX/XX/2023 ; XXXX XX/XX/2023.
Product: Debt collection

I did not receive notification from the debt collector ALLIED COLLECTION SERVICE for a bill from XXXX. This was placed on my credit report without my knowledge or ability to pay before it was reported. I just received my first communication with a debt collector, XXXX XXXX, XXXX XXXX XXXX XXXX, on XXXX/XXXX/16. They stated that this debt had not been reported to any credit agency and was not on my credit report. ( I settled the account and paid it in full on XXXX/XXXX/16 with XXXX ).
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section A states I have rights to privacy. 15 U.S.C. 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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. 1681 s-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

At the time I had two collectors, collecting for the same balance of my federal student loan. When I contacted at XXXX, I was explaining that they do not have my loan. They are not able to pull up my information because I am not in their system. I asked them why are you reporting on my credit file I am in the process of purchasing a home and sending my children off to college and I am able to do so because your company is also reporting that I owe the same balance as another company. If I dont owe it, please remove and send information to the credit bills that I am not responsible. This was over 90 days ago. Im still fighting the same issue with XXXX. They have not removed themselves from my credit file.
Product: Debt collection

This company left a voicemail on a SHARED voicemail stating that they are calling from a debt collector. If this continues I will pursue legal action in accordance with the FDCPA which they are VIOLATING.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX DROPPED MY CREDIT SCORE BY 75 POINTS IN ONE HIT FOR MY CREDIT BALANCE RAISING BY {$110.00}. IT'S ILLEGAL FOR A CREDIT SCORE TO GO DOWN BY MORE THAT 50 POINTS LET ALONE 75 POINTS BY XXXX XXXX XXXX EQUIFAX.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : Dispute of Incorrect Information on My Credit Report Dear CFPB Representative, I am writing to formally dispute incorrect information that appears on my credit report. Specifically, there are errors in the personal identifying information section, such as my name, address, and phone number. I have outlined the inaccuracies below and provided the correct information for reference : Name : Incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on the correct report Correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Incorrect Listed on the Credit Report Correct : XXXX ) XXXX I believe these errors have occurred due to [ briefly explain possible reasons if you know them, e.g., " a clerical error, '' " misattribution, '' or " identity theft '' ]. These inaccuracies are negatively impacting my credit profile and may cause further issues if not promptly corrected. 

Attached, I have included copies of the following documents to verify my identity and provide evidence of the correct information : A copy of my government-issued photo ID Attached A recent utility bill or bank statement showing my correct address XXXX XXXX Listed. 
I respectfully request that you investigate this matter and contact the relevant credit reporting agencies to update and correct the inaccurate information on my credit report. 

Please keep me informed of the progress of this dispute. You can reach me at the contact information provided above. I would appreciate a written confirmation once the inaccuracies are resolved. 

Thank you for your attention to this matter. Please do not hesitate to contact me if you need additional information or documentation. 

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

I got a loan for a XXXX XXXX XXXX thru car mart located in XXXX mo in 2019. I had the XXXX for a week and the front end would make a very loud pop coming from the suspension when braking. I brought it back to them which I got hassled about it but they told me to leave it there. I came back next day the manager said they checked it out and they found nothing wrong. I took the vehicle and on the way home it popped again and over the next weeks it got worse. I finally called them and told them I didn't want it if they didn't fix it which I missed a payment they repoed it but they said they looked at it again and they didn't find nothing so I made the payment and got car back. It got worse so I told them I did not want it. They said no problem .I made a XXXX down payment plus 2 paymentswhicj my payments were {$450.00} a month They came got it they resold it and I was out {$1600.00} and got a report on my credit I'd like to have my money back and the repo taken off since they turned around and resold it and took my XXXX for a lemon
Product: Mortgage

To whom it may concern, My name is XXXX XXXX and I currently own XXXX acres in XXXX, TX that was partially financed through an FHA loan. In XXXX of XXXX, I entered into an unimproved land sale contract requiring a partial release of XXXX acres with my bank NewRez. After nearly a year of misteps by XXXX, including a botched appraisal requiring a second appraisal, the partial release was approved in late XXXX of XXXX. Although the partial release was approved, it was never executed due to issues with the buyer. 

In XXXX of XXXX I once again entered into a unimproved land sale contract with a different buyer, this time for XXXX acres. Since that time, NewRez has essentially made the same mistakes, including losing my initial application, and once again botching the appraisal. I was told on XX/XX/XXXX that a new appraisal would need to be ordered, but as of today I have not heard a word back from the bank, and it seems they are essentially ignoring my requests for information and updates as to the status of this request. 

My complaints are as follows : XXXX. NewRez continues to make the same mistakes that were made previously. Seems to me that this should have been a very quick application to process. As it was already approved once before barely a year ago, there is no excuse for whatever delays they are experiencing now.

2. NewRez continues to be elusive regarding this application. Having not received any response from them since XX/XX/XXXX, I have filed upwards of seven different complaints with their main customer service line, only to be told that the complaints are " pending ''. They did in fact advise me that a new appraisal had been ordered in XX/XX/XXXX, but to date I have no heard a confirmation of this from the partial release group, or any further updates on the matter in over a month. 

XXXX. I have been forced to extend the sales contract with the new buyer in three separate occasions now. This is entirely unacceptable give the time sensitive nature of said contracts. I have thus far been fortunate having the buyer 's patience on the matter, but this the buyer could easily decide to drop the contract or even pursue legal remedies against me, for which I have absolutely no control over.

I'd like for you to investigate this matter and enforce any remedies that may be available. I don't want to believe they are delaying this process on purpose, but I can not rationally explain the delays, and have not been provided any rational explanation for them given the lack of communication from this bank. 

Also note their reviews online are absolutely horrid, which only confirms there are obvious problems with this lender and how they do business.
Product: Credit reporting or other personal consumer reports

XXXX. Right to Dispute Inaccuracies ( 15 U.S.C. 1681i ) Credit bureaus must investigate and correct inaccurate or incomplete information within 30 days ( or 45 days in some cases ).

2. Right to Verification ( 15 U.S.C. 1681s-2 ) If an item is disputed, the credit bureau must verify the accuracy of the information with the original creditor or data furnisher. If they can not verify it, the information must be removed.

3. Right to a Free Corrected Credit Report ( 15 U.S.C. 1681i ( d ) ) If a correction is made due to your dispute, the bureau must provide you with a free updated credit report.

4. Right to Add a Consumer Statement ( 15 U.S.C. 1681i ( b ) ) If the bureau refuses to correct the information, you have the right to add a written statement explaining your dispute.

5. Right to Sue for Violations ( 15 U.S.C. 1681n and 1681o ) If a credit bureau or creditor fails to correct inaccurate information or violates your rights under the FCRA, you may have legal grounds to sue for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed my credit score went down. On my credit report it states closed by creditor on my credit card accounts. When in fact it should state included in bankruptcy. Some accounts do show included in bankruptcy, and some do not. Please correct items. 

I thank you for removing bankruptcy but my score doesnt reflect adjustment from removing bankruptcy. I thank you in advance to fix items in question.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelles handling of disputes Particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform, despite using Zelle numerous times recording discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs Findings indicate that Zelle Has not only neglected to protect consumers, but has also allowed repeated 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: Credit reporting or other personal consumer reports

Erroneous information is being reported on an account listed as XXXX XXXX XXXX account number XXXX. The account is listed in remarks as : Affected by natural disaster. I did not report this to the creditor nor have I been affected by a natural disaster. Thus, the information is incorrect and needs to be updated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the same accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been double charging both my mothers account and mine on my XXXX  XXXX for a membership. I didnt authorize this and want all previous charges refunded back on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 following items need to be removed and blocked as they are fraudulent. 



1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

4. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Mortgage

In XXXX of this year, I refinanced my FHA loan through the FHA streamline program. This program allows FHA borrowers to refinance high-rate FHA loans every 6 months for relief of course. A third-party mortgage broker, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , mailed an advertisement offering to assist with refinancing my FHA loan through the Streamline program. At the time, my original FHA loan was with XXXXXXXX XXXX ( aka XXXX XXXX ). XXXX XXXX connected me with a XXXX XXXX XXXX XXXX as the potential new lender. He advised that I would only be needing {$2400.00} to close in XXXX and we had the final closing documents notarized and signed legally. On XX/XX/XXXX, XXXX XXXX also advised that I would be receiving an escrow refund amount of {$1400.00}. Ive attached his e-mail communication in writing. He verbally advised via phone that Id be getting a portion of the UMIP ( upfront mortgage insurance premium ) back as Id refinanced in the first 12 months. This was misleading as UMIP is not offered directly to the consumer in cash. The total of the MIP was roughly XXXX. I agreed to move forward based on all of the fiduciary information XXXX XXXX communicated as a licensed broker. Additional closing docs attached. I believed I would be getting a huge some back. This did not happen. 

After finalizing the legal closing documents via notary, and confirming the final pay off amount of {$310000.00}, a lesser amount was then wired by XXXX to XXXXXXXX XXXX. An amount of {$310000.00} was wired instead by XXXX per mortgage broker. See email attachment. When I reached out to XXXXXXXX XXXXXXXX about the escrow refund of {$1400.00}, I was told Id only be issued a refund of {$400.00}. The broker confirmed via email that {$1000.00} was taken from my escrow account and he has not explained where that money is. My cash to close amount was {$2400.00}. I spoke with XXXXXXXX XXXX, the assigned loan servicer for XXXX XXXX. They explained that I will likely have an escrow shortage because of the issue and my mortgage payment will likely go up. I believe last checked, my escrow had a negative balance after they'd sent payment for my homeowners insurance. I need help getting my money back from XXXX. They do owe me a refund of {$1000.00} and Im demanding it immediately. They can remove it from the balance that I owe via mortgage payments. Alternatively, they wire me my refund owed. They do not have the right to hold my money and keep it from me.