23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I moved my savings account from   XXXX   XXXX   XXXX   to  Navy Federal  because the monthly charge but now I see why   XXXX   XXXX   XXXX   has monthly charges. About  XXXX  to  XXXX  weeks ago I had a problem with my  Navy Federal  account, I got a email on   XXXX   saying : Dear Member, A new Member-to-Member Payee has been successfully added to your account. You can now instantly send money to this member . Requestor 's name : ME. Payee 's   name :  XXXX   XXXX . When I saw this on my email I first thought I was a junk email but I opened my savings account and BOOM all my savings money was gone only {$34.00} was left in it, like a big laugh and a punch in the face. I went to the bank and filed a DECLARATION OF FORGERY/FRAUD form, that 's after I was questioned by the bank employee asking like what kind of phone do you got, where were you at at this certain time. Yes I understand that they got to be safe and make sure there not getting hacked/robbed but why would I do that to my own account, do n't you thank I would use someone else 's one then move it to my account? But anyway I do n't know much about computers in the first place only web browsing, email checking, and game playing that mostly it. But back to reason after I filed the DECLARATION OF FORGERY/FRAUD paper they told me my money will be back in my account in  XXXX  days well get ready fo some math it was filed   XXXX   today is  XXXX  the last time I checked on it was on  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I opened a personal loan from XXXX XXXX XXXX XXXX for {$7.00} and I had paid like $ 1000- {$2000.00} then I was not able to pay back and it went to collection. After 1 year I made a full payment to their lawyer with Cashier Check. I am having 2 problems with this account on my credit report 1 ) it shows 2 accounts which were not paid ( it is supposed to be only 1 account ) 2 ) it is still showing I own them some money which I should not because they didn't do any discount and made me pay full and They did threat me that I lose everything in XXXX XXXX county because they are part of the government
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against Equifax for Failing to Correct Inaccurate Information on XXXXXXXX XXXX XXXXXXXX Account Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXXXXXX account with the following details : Account Number XXXX XXXXXXXX High Balance : {$4400.00} ( XXXX, XXXX ) ; {$4000.00} ( Equifax ) Last Verified : XX/XX/XXXX ( XXXX ) ; Not Verified ( XXXX, Equifax ) Date of Last Activity : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX, Equifax ) Date Reported : XX/XX/XXXX ( XXXX, XXXX ) ; XX/XX/XXXX ( Equifax ) Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Status : Closed Payment Status : XXXX XXXX Late 30 Days XXXX : Late 30 Days Equifax : Current Creditor Remarks : XXXX XXXX Canceled by credit grantor XXXX : Account closed due to inactivity Equifax XXXX Closed or paid account/zero balance ; Accounts closed by credit grantor Payment Amount : {$0.00} Credit Limit : {$4000.00} Two-Year Payment History : XXXX & XXXX : Reports a 30-day late payment. 
Equifax : Current with no late payments noted for the two-year history. 
Despite multiple requests for correction via letters dated XX/XX/XXXX and XX/XX/XXXX, my requests have been ignored. This failure to address inaccuracies violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of consumer files. The inaccurate reporting of a 30-day late payment, which is inconsistent across credit bureaus, indicates negligence in adhering to this mandate. 
TILA Violations According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement, directly impacting my creditworthiness. 
Impact on Creditworthiness The inaccurate late payment notation has caused significant harm to my credit score and financial opportunities. The discrepancies between the bureaus further emphasize the need for immediate correction.

Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate 30-day late payment notation from my credit report across all three credit bureaus. 
Written confirmation of the corrections. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the appropriate authorities. 
Thank you for your attention to this matter. I look forward to a resolution within the timeframe specified under the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sent multiple ftc reports and 605b letters to XXXX  Transuion XXXX XXXX. They refused to block information from my report. All of the following items are a result in fraud. 
1. XXXX  XXXX  at XXXX  XXXX {$3700.00} 2.XXXX  XXXX  XXXX  3 . XXXX  XXXX XXXX  ( XXXX  XXXX  XXXX ) {$21000.00} 4. XXXX XXXX  XXXX  XXXX ( XXXX  XXXX  XXXX  XXXX  ) {$240.00} All Done Fraudulently!! Name & Address The following Name XXXX  XXXX  Address XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX
Product: Debt collection

Someone using my name to hook up cable in XXXX Arizona and I live in XXXX Florida. Doesnt make sense and now I have a collection on my credit report of 700 plus dollars.
Product: Mortgage

My mortgage was recently transferred to a servicing company LoanCare, a XXXX XXXX. When I called to setup XXXX payments the servicer said that they could not accept XXXX payments and only accept XXXX payments. They, in turn, offered a service through a third party company, XXXX XXXX. XXXX XXXX charges a fee to collect XXXXXXXX payments of {$290.00} and then roughly ~ {$2.00} per XXXX payments. This sets me at a detriment because I am being forced to choose between paying this fee or paying monthly. Either way the servicer is maximizing fees or maximizing interest at the expense of the customer.
Product: Credit reporting or other personal consumer reports

Property Report Complaint CFPB XXXX was intentionally deleted. There are Trust and Pace Fraud and No ID Affidavits by XXXX XXXXXXXX XXXX XXXX XXXX and other agencies affiliated personnel. 

The Owner XXXX XXXX and XXXX XXXX XXXX XXXX who is married to XXXX XXXX and is related to XXXX XXXX. 

XXXX XXXX who received this property declaring her parents XXXX XXXX and XXXX XXXX XXXX. XXXX who works as a : Federal Mortgage Loan Originator NMLS XXXX XXXX XXXX ID : XXXX Other Names? : None Self-reported Disciplinary Actions Phone : ( XXXX ) XXXX Fax : Not p Prior Other Names : None posted in NMLS. 
XXXX XXXX to Represent? : XXXX XXXX XXXX, XXXX XXXX [ - ] Hide Self Reported Employment History From To Employer XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX Type Main Federal Registration Aut Conduc Registration Name Status Federal Mortgage Loan Originator Active Currently Authorized to Represent? 
Company : XXXX XXXX XXXX, XXXX XXXX XXXX Legal Name : XXXX XXXX XXXX, XXXX XXXX XXXX ID : XXXX Has placed multiple Liens on Federal Sponsored Renovations and has quitclaim or placed the deed under trust. The Release of Liens or the Payment of the funds all have a different number in the folio or is later on claimed by the quit claim family member under No ID Affidavits. 

XXXX XXXX Born XX/XX/XXXX Driver License XXXX Currently Lives in : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXX XXXX Lives in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Lives in XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting

I wrote and asked Experian to remove the address " XXXX. XXXX XXXX, XXXX, PA XXXX '' from my credit report as there are no active or inactive accounts reporting it. Experian wrote me back and stated that if I believe an address in my credit report to be inaccurate to contact the source of the information directly. The " source '' has been inactive for over 6 years and IS NOT REPORTING. But a dispute -- XXXX -- is using the address only because they found the address on my Experian report. I have NEVER used a " XXXX. XXXX XXXX, XXXX, PA XXXX with XXXX. This is why I want the address removed. Keeping this address on my credit report puts me in jeopardy of fraud. I still dispute the XXXX charge and they have no right to report or use an address I have never used with them. I would like the " XXXX. XXXX XXXX, XXXX, PA XXXX removed from my Experian credit report as it belongs to someone else.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigatXXXX a correction, or an update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The below action that is required by Carrington did not occur. 


( 4 ) Homeowner Assistance Fund The Mortgagee must inform the Borrower, utilizing any available method of communication, that they can apply for the Department of Treasurys Homeowner Assistance F

und ( HAF ), if HAF is available in their jurisdiction.

As permitted by the jurisdictions HAF program, HAF funds may be used in connection with the Borrowers FHA-insured Mortgage or any Partial Claim Mortgage in a manner consistent with the respective mortgage documents and FHA requirements .
Product: Credit reporting or other personal consumer reports

after reviewing my Credit reports across all 3 Bureaus i notice inaccuracies with my account. XXXX is reporting deferent open account dates on all XXXX accounts. The inaccurate open dates are negatively impacting my credit score, as the incorrect dates may imply that I have had accounts open for a shorter period of time than I actually have, or they may indicate that I opened accounts more recently than the actual date. This misrepresentation of account history is unfair and detrimental to my creditworthiness. Dates being reported are XX/XX/year> for Transunion, XX/XX/year> for Experian and nothings being report for XXXX.
Product: Debt collection

Repeated calls from this company about a debt that I dont understand, for over eight years. I ask them to stop calling me but u receive calls multiple times per week, often from numbers appearing to originate in places Ive lived.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to you guys about some things on my credit that I know nothing about. There are still two things and a lot of inquiries on there that are not mine. Would you all please remove them from my credit so I can help my mom. XXXX XXXX XXXX and some account that don't even have a name but the account XXXX XXXX. I have reached out to the FTC and to my local police department. I am doing this on my own behalf. Here are the inquiries that need to be taken off as well 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
Product: Credit reporting or other personal consumer reports

In XX/XX/2022, I changed bank accounts due to being a victim of identity theft. I did not receive a link to update my payment method until after the due date with Grain. 

The online portal doesnt allow changes to bank accounts and only able to update payment accounts through customer service. 

This resulted in my payment being late with Grain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hv sent payoff letters from XXXX XXXX to transunion and XXXX and they continue to claim information on report is verified
Product: Credit reporting or other personal consumer reports

XXXX HAD MY SS # WRONG AND WONT CORRECT AN ISSUE I applied for a CC from Banco Populae PR about XXXX months ago and they couldnt immediately approve it. My XXXX XXXX is over XXXX so I was surprised. I kept calling to see status and kept being given vague answers. I finally figured out that XXXX had somehow gotten my SS # wrong in their files ( off by XXXX number ) I had to send copies of my SS card, birth certificate and DL via certified mail to XXXX and my report was finally fixed. I made a final call to Banco Popular to tell them XXXX had finally fixed the issue and my CC was approved in seconds. 

XXXX my surprise when I go to check my XXXX XXXX today and my score had plummeted XXXX points ( on XXXX ). When I reviewed the credit report I saw why. XXXX XXXX is reporting XXXX hard inquiries from Banco Popular PR for the exact same credit card. 

I called XXXX to have them remove the superfluous XXXX hard inquiries and they told me they could not without documentation. I told them they had all the documentation they needed in the form of my certified letter and log notes of my multiple calls to them to correct a problem THEY had created ( wrong SS # ) XXXX XXXX told me to write a complaint to the FTC. So here we are.
Product: Credit reporting or other personal consumer reports

fraudulent inquiries continued XXXX XXXX XX/XX/year> CAPITAL XXXX NA XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Lastly, You are required to remove this inaccurate information immediately, as mandated by U.S. Code 605B, without subjecting my dispute to a 30-day investigation. Under this law, inaccuracies related to identity theft must be blocked or deleted promptly upon receipt of appropriate documentation, and I fully expect compliance with this legal obligation. 

Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Respectfully XXXX XXXX XXXX Without Prejudice
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of ( see Attachments ) Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX several time to complete the my insurance claim and I have been unsuccessful and I am at a lost because I have not received an itemized list and cost of the repairs as to the cost to repair my home and I am at a disadvantage because I not able to occupied my home or rent my home out and I am continuing to pay my mortgage and I am not able to afford to do the repairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$5500.00}
Product: Debt collection

Cooling and Winter LLC have misrepresented themselves as XXXX XXXX XXXX and filed a lawsuit against me. The court date is XX/XX/2018. The amount charged off is XXXX. The case number is XXXX In the lawsuit Cooling and Winter LLC have listed themselves in the plaintiff section as " XXXX XXXX XXXX '' making it seem like XXXX XXXX XXXX is the one bringing the lawsuit against the defendant. Cooling and Winter is a 3rd party debt collector and should not mislead anyone to believe that they are acting on behalf of XXXX XXXX XXXX. In addition when meeting for the first hearing date on XX/XX/18 the attorney for Cooling and Winter XXXX XXXX identified himself as " I'm XXXX with XXXX XXXX XXXX ''. 

This company is not following the FDCPA and is acting illegally and must follow all collection guidelines and laws. They should be stopped as they are trying to deceive consumers and misleading them.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent XXXX Card Account on My Credit Reports Dear Equifax, XXXX, and XXXX, I am writing to dispute the inclusion of a XXXX Card account that has recently appeared on my credit reports. I did not apply for or authorize this account, and I believe it is fraudulent. My personal information was compromised as a result of the Equifax data breach and the XXXX XXXX XXXX XXXX data breach , making me a victim of identity theft.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to an accurate credit report, free from false or unverifiable information. This XXXX Card account is not mine, and its presence on my credit report constitutes an inaccuracy. 

I demand that you : Investigate this account under FCRA 611.

Provide documentation verifying the legitimacy of this account and my obligation to it, or remove it immediately. 

Permanently delete this account from my credit reports if it can not be verified. 

Please conduct a prompt investigation and provide written confirmation of the removal of this fraudulent account. Thank you for your attention to this matter and for ensuring the accuracy of my credit reports. 

Sincerely, XXXX XXXX
Product: Credit reporting

Early Warning is reporting fraudulent information on my credit profile and refuses to block the information pursuant to the Fair Credit Reporting Act. I submitted my identity theft report along with a police report to Early Warning on XXXX XXXX, 2015. On XXXX XXXX, 2015, I was told that Early Warning will not comply with the Fair Credit Reporting Act, Section 605B and will continuously report fraudulent information and cause harm to me in doing so. I was told via the telephone from a representative of Early Warning that XXXX XXXX XXXX " confirmed '' the information and will not allow them to block it despite it being fraudulent.