23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a notice of lapse, from my insurance company in XXXX of 2023. I immediately contacted Carrington Mortgage LLC to inquire about the notice, as they are my mortgage company and are responsible for paying my homeowners insurance via Escrow. I spoke to several agent at Carrington to work on getting the issue resolved. I was told Carrington had mailed a check for payment to my insurance, to my then insurance company XXXX, on my behalf. I then Inquired with XXXX about the Notice of Lapse, and was told they received a check and would reinstate my Home owners insurance on XX/XX/2023. According to the insurance company Carrington put a stop payment on the check, which they sent for payment. This again caused an issue and they mailed another notice of lapse. I made another inquiry to Carrington, I was sent a confirmation of my inquiry, and shortly I received an email stating they had made contact with the insurance agent. However, I have now been dropped by my insurance company, and I am having a difficult time finding a company to insure my home, due to me being dropped by my insurance company. The companies that are willing to insure my home, are quoting high annual premiums. Much higher than my previous policy. This error on the mortgage companies behalf, has caused me undue hardship. Carrington has not taken responsibility for their error, nor have they made any real attempt to correct their error. My mortgage premium was previously {$1200.00} it is now {$3100.00}. This is a substantial increase, and has put a dent in my finances.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Will did not remove incorrect info on my credit report even after I've given them proof that my personal information has been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am very stressed out because I have unknown accounts in my profile. I just checked today and I was shocked. This is a mistake or maybe even fraud because I feel that someone could use my personal information. I can not understand how this possible. But I do not want to have fake items in my credit report thus I am asking you to remove it as soon as possible please.
Product: Credit reporting

My information was compromised and used to obtain medical and other things. I '' ve noticed collection accounts on my credit report that are fraudulent. I 've submitted information to the credit bureaus however they do n't really seem to care too much. They 've helped some but XXXX and XXXX.. just to name a few really do n't care. I battled XXXX about 2 years ago and have not had time to address this until now. Hoping this will bring some relief. Noticed fraud items beginning in 2014 but like stated earlier too much in life was going on. I received letters from Target for our prepaid card and XXXX XXXX so I figured it was from this but this was just something that might have released. No One knows who stole my identity bc no cameras and police said it 's hard to track unless they use it local.
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. 

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 list of Inquiries. 


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: Debt collection

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report IMMEDIATELY. 
The date of last activity is incorrect/inconsistent, date of last payment is incomplete, and monthly payment is incomplete/inaccurate amongst all 3 Credit Bureaus as of XX/XX/XXXXXXXX  after supposedly being updated and verified XX/XX/XXXXXXXX  EXPERIAN REPORT NUMBER : XXXX I disputed this account previously and nothing was ever sent to me legally to verify this account electronically or by mail. 

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required topromptly DELETE all information which can not be verified. 


Additionally, Under code 15 USC 6802- I HAVE NOT BEEN PROVIDED ANY DISCLOSURE FORMS TO VERIFY WHETHER I AGREED TO HAVE MY INFORMATION DISCLOSED TO A 3RD PARTY COMPANY, NO CLEAR EXPLANATION TO OPT OUT OF HAVING THIS INFORMATION REPORTED, AND NO DISCLOSURE FORM RECEIVED TO SHOW ME HOW TO EXERCISE MY RIGHTS OF OPTING OUT ( IN WRITING OR ELECTRONIC FORM ). 

THIS CONTRACT SHOULD BE VOIDED DUE TO THE STATUS OF IT BEING DECEPTIVE AND MISLEADING. If you fail to honor my request and discriminate against me for exercising my rights, that would be another violation under the Law 15 USC 1681a3. 
CFPB COMPLAINT # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Verification dispute of XXXX XXXX XXXX XXXX/XXXX  accounts with same account number ( XXXX ), same past due amount ( {$180.00} ) and same creditor address ( XXXX XXXX XXXX XXXX, XXXX ) Dear Representative : I am writing to dispute Equifaxs claim of verification for the trade lines referenced above. I have disputed this account formation as being merged and therefore inaccurate but Equifax has come back stating these were verified. How is this possible? 

It is abundantly clear that these two trade lines are merged. It is impossible that two separate trade lines will have exact same account numbers, exact same past due amount and the exact same creditor address. That in itself should have been more than enough to alert Equifax that the information reported was inaccurate and warranted deletion. My previous CFPB compliant is attached. By continuing to report these inaccurate trade lines Equifax has caused undue damage to my credit worthiness and as a result I have been denied credit or have had credit extended at higher rates that I otherwise would have qualified for had the two trade lines above been properly addressed by Equifax. 

Per the Fair Credit Reporting Act ( FCRA ) : I have the right to dispute incomplete or inaccurate information CRAs ( Equifax ) must correct or delete inaccurate, incomplete, or unverifiable information within 30 days CRAs ( Equifax ) may not report outdated negative information I may seek damages from CRAs ( Equifax ) and credit reporting data furnishers ( XXXX  ) for FCRA violations I contend that Equifax did not perform due care in its investigation of the two trade lines and rubber stamped them as accurate. I am sure this occurred as a result of Equifax being understaffed due to Covid-19. This is evident by Equifaxs drastic cutting of phone support ; however this does not preclude Equifax from meeting FCRA requirements. In addition if the information from these two trade lines were being correctly reported the XXXX XXXX / XXXX trade line would not appear on my credit report at all. This is due to FCRA statute of limitations. This trade line has already been rightfully removed from my XXXX  and XXXX  reports for this very reason. 

This is a clear case of Equifax being in violation of the FCRA. I strongly urge Equifax to immediately remove these two trade lines or I will be left with no choice but to file suit with the intent of reaching class action status. The only acceptable resolution to this matter is for Equifax to delete these two trade lines immediately. 

While I prefer not to litigate, I will utilize the courts and publicity to enforce my rights under the FCRA and seek monetary damages. 


I look forward to swift resolution of this matter.
Product: Debt collection

Was given a debt payoff plan, was told debt would be paid off in XX/XX/year>. 

Fully paid, online account does not show paid off and debt was sent to a third party debt collector.
Product: Checking or savings account

Marcus by Goldman Sachs is in the habit of freezing my account when I initiate withdrawals. They don't honor the withdrawals despite confirming the external accounts during setup and by phone to the external bank. This has really disrupted my flow of cash to meet my various financial obligations such as paying my rent on time. This has happened more than twice within one month. I have called to resolve this problem. They promised it would not happen again, but lo and behold, it happened when I tried to withdraw huge sums of my money ( {$3000.00} ). I have read similar instances online about this bank and ignored it to my detriment. I want to love this bank but I have come to the conclusion that this bank is intentionally holding people 's money and frustrating their efforts to withdraw from their savings account. These are very fraudulent and unfair practices that GS is engaging in. It is surprising that a bank and organization of this stature can be doing this. Very disappointed. I have stopped depositing my paycheck into the account and can't wait to withdraw all my money and close the account.
Product: Credit card

Years ago I signed up for a subscription service or product from XXXX using an account I no longer have access to. I have contacted the merchant many times through various different means to try and cancel the monthly subscription fee of XXXX that comes out every month from my Wells Fargo credit card. XXXX responded recommending that I have my bank stop or cancel the subscription. Other banks that I use do this without any issue. Wells Fargo refuses to do this and instead makes me go through a tedious ongoing process of filing a new dispute every month. Then I have to wait for the standard 45 days while they try to get a response from XXXX only to then get refunded for that month alone by Wells Fargo. I then have to file a new dispute for the same transaction that comes out again the following month. Wells Fargo tells me that there is no end in sight and that I will have to do this every month forevermore. The only other option for me is to cancel my line of credit with the bank, which is tempting at this point. However, I think the bank has a responsibility to safeguard the consumer 's financial interest and in this situation to stop the transaction from coming out every month. I have supplied them with all of the documentation they need to see that I have contacted the merchant in good faith and gotten no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was at the end of lease on my nissan infiniti is denying me credit. they have false information on my credit report. they said i have public records, which on do not. they said in 2018 i had five payments that were late. i went to adirondack bank in little falls ny and the manager a got a print out of the thirty six month schedule, not one payment was  late. i sent copies of the true documentation to nissan infiniti and XXXX. not one thing has been done to correct this false and agregeous action by either agency or corporation. 
this is a total lie and defamation on me .the bank statement clearly shows each payment was on schedule most payments were taking out of my banking account.nissan reports are not the same months as XXXX.which show major discreptions. this is totally unacceptable to do do to any consumer. my credit score is being destroyed.i think that XXXX is very biased on this matter.companies should not be able to put false information on any ones credit report with out severe repucusions
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX lll account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX lll account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX lll account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX lll account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX lll account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX lll account # XXXX 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 my 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 consumers to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate. 

remove all accounts that are closed but still keep popping up account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX XXXX XXXX  account XXXX XXXX XXXX XXXXXXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX remove all accounts from this report that are closed but still keep popping up due to fraud
Product: Debt collection

Security credit services is reporting to all XXXX credit bureaus XXXX erroneous accounts that have not been verified
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding multiple violations of the Fair Credit Reporting Act ( FCRA ). I have diligently attempted to address these issues directly with Experian, but my concerns have not been adequately addressed, necessitating your intervention. 

My name is XXXX XXXX XXXX XXXX XXXX, and I am currently experiencing significant inaccuracies on my credit report, as maintained by Experian. The discrepancies include, but are not limited to : Non-mailable addresses inaccurately listed on my credit report : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX and sole address that should be reflected is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect reporting of my full legal name as XXXX XXXX XXXX XXXX XXXX and an inaccurate date of birth ( XX/XX/1996 XXXX XXXX 

I have made Experian aware of these inaccuracies in accordance with the FCRA, specifically 15 U.S. Code 1681s2, which obligates furnishers of information to consumer reporting agencies to correct information that they know or have reasonable cause to believe is inaccurate. 

Despite my notifications, Experian has failed to rectify these issues, prompting me to seek your assistance. Furthermore, I have expressed my intention to pursue legal action, including small claims, against Experian for violations of the FCRA. I am seeking {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, and Violations of the Fair Credit Reporting Act. 

I also want to bring to your attention that I do not consent to e-Oscar or any means of automated verification. I am closely monitoring every aspect of this investigation, including tracking numbers on certified mail, the expected response date, and other relevant details. 

I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into these matters and take appropriate action against Experian for its failure to comply with the FCRA. 

Thank you for your prompt attention to this serious matter, and I look forward to a resolution that upholds consumer rights and fair reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got in an accident in or around XX/XX/XXXX XXXX  and I totalled my vehicle, a XXXX XXXX XXXX. After totalling my vehicle, my insurance company paid Capital One Auto Finance more than what was owed on the vehicle. The following month, I received a statement showing that my payment was late only to find that Capital One did not accept the first payment that was sent from my insurance company, XXXX XXXX. I contacted them to follow up on the status of my account, and I was told that the payment was misapplied, that Capital One sent the payment back to my insurance company, and that they would need them to send it again. I contacted my insurance agent, and she assisted with getting this 2nd payment taken care of. Once Capital One received the payment, I believed that this account was all square, but after the second payment, I noticed that there was still a {$68.00} balance on the account. I contacted Capital One for clarification and they mentioned that interest accrued on the account during the timeframe between when the first payment was made and returned to the time the 2nd payment was made. This is not my fault, and Capital One was sent the money. I should not be held responsible for this, and Capital One Auto Finance is reporting this {$68.00} balance as a charge off with their company. This is absurd, and they are ruining my ability to get another vehicle over {$68.00}, not to mention the impact this tradeline is having on my credit report. Every representative I speak with says there is nothing they can do, but this is a Capital One mistake that I'm literally being asked to pay for. You would think that after paying a total of $ XXXX to a company that they wouldn't try to hold you accountable for their error, especially over {$68.00}, but obviously Capital One isn't aligned with what I feel is straightforward and common sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i need Help Please? Over 75 FCRA Violations have occured! 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 FCRA 15 U.S.C 1681i Procedure in case of disputed accuracy. Also 15 U.S.C 1681 section section 602 A and 604 A Section 2. 

i filed complaints with the CFPB on XX/XX/XXXX for previous violations of the FCRA regarding disputes and inaccuracies being reported by experian credit reporting agency or bureau which is negatively affecting me. It has been over 7 weeks since XX/XX/XXXX over 49 days later the complaints and disputes have not been resolved when by law they are supposed to be resolved with 30 days or max 45 days after 15 day extension. This alone is grounds for deletion
emoval but there are alot more violations. 

XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account Number XXXX Reporting 75 NEGATIVE MONTHS! 

EXPERIAN DID NOT provide additional relevant information during the 30day period EXPERIAN DID NOT resolve the dispute with 30 or 45 days EXPERIAN DID NOT give me all the relevant information it gets within five business days of receipt EXPERIAN DID NOT promptly give additional relevant information provided by the consumer. 
EXPERIAN Must respond to the notification of the dispute within the specified times so EXPERIAN must delete the disputed information from its files FCRA 623 ( b ) ( 1 ) You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) 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 crimes which antedates the report by more than seven years. My rights have also been violated under 15 U.S.C. 1681s-2 Furnisher Rule 660.4 ( a ) and Furnisher Rule 660.4 ( e ) Please note all these accounts are all closedcharged off or settled	ransfered since XXXX  Experian is report wrong inaccurate credit reporting that doesnt appear on XXXX  or XXXX  so not accurate or valiated or valid. Thanks