23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I sold and paid off my home loan on XX/XX/2021 and the lender confirmed receipt of the sale and payoff of the loan. As of XX/XX/2021, I still have not received my refund in excess of {$2000.00} for the remaining funds in my escrow account. The lender claims to have sent it multiple times, but it has not been received. I have spoken with the lender multiple times and they say they are incapable of using any type of tracking number with their mailing service.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing 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 customer
Product: Mortgage

On XX/XX/XXXX, I received a letter informing me that I had no homeowners insurance on record and that if I failed to provide proof by XX/XX/XXXX, Freedom Mortgage would buy insurance, and then deduct the cost from my escrow account, but I already had my Home insurance and it was paid in full until XX/XX/XXXX. 
This policy is with XXXX XXXX and has been paid in full since XX/XX/XXXX for the period from XX/XX/XXXX to XX/XX/XXXX. 
XXXX XXXX assured me that Freedom Mortgage was notified immediately after the policy went into effect. I called Freedom and was told they had no record but they would correct the error. I assumed that it was taken care of until my mortgage increased by almost {$100.00} a month, Of course, I called again and was told that the issue was corrected. 
On XX/XX/XXXX I reviewed my escrow account and discovered that Freedom Mortgage purchased a policy in my name for 3 times the amount I had paid for the XXXX insurance that was still in effect. 
I accessed XXXX report and was flabbergasted to discover dozens of complaints were lodged against FREEDOM MORTGAGE for similar bogus charges to their escrow accounts. 
I'm an XXXX XXXX veteran and need help. Please help me.
Product: Debt collection

Dates are as the following : I received a Writ of Garnishment XX/XX/XXXX from XXXX XXXX XXXX 
I contacted the XXXXXXXX XXXXXXXX XXXX XXXX  at XXXX XXXX XXXX, XXXX, MS XXXX on XX/XX/XXXX in writing to request the garnishment be ceased. The company XXXX XXXX was paid in XXXX. 
XXXX XXXXXXXX XXXX XXXX never wrote back. 
I received a hard credit inquiry on XX/XX/XXXX from the company XXXX XXXX located in XXXX, MS XXXX I spoke with XXXX at XXXX XXXX at XXXX. on XX/XX/XXXX he stated, he bought the debt from XXXX XXXX and XXXX XXXX charged off the debt on XX/XX/XXXX. 

I was never notified of this debt and wrote the company to advise that I was never informed. They never responded. I wrote to the County Court of XXXX County, Second Judicial District on XX/XX/XXXX. They wrote me back stating they did not receive any other court filings other than the original dated XX/XX/XXXX. 

Due to the above mentioned I am filing a complaint being XXXX XXXX at XXXX ( representing XXXX XXXX never responded in writing within 30 days ).
Product: Credit card

Take a look at the attached documents. I request the bureau to commence an investigation into these accounts, as I am never late on them, yet they are inaccurately reporting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a 3rd party lender for a bootcamp that I attended. I advised the bootcamp that I believed it was a scam and did not move forward to completion with the externship. I was not supposed to be charged for this course unless I fully completed and they found me employment which then did not. I requested the school and the third party lender, XXXX remove this and they have not. It is negatively affecting my credit score. 

I requested that this be investigated by mail on XX/XX/2023 and again via email and phone on XX/XX/2023
Product: Debt collection

I am not liable for this debt with XXXX Charter communications. I do not have a contract with credit management LP. They did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts on my credit reports that continue to show inaccurate information and the companies have yet to rectify this situation even though they provided letters to me that state that they are reporting wrong info. They have failed to update the credit bureaus with the correct info and now my credit has been severely affected. I am attaching the letters sent to me by these companies as proof of their wrongful reporting.
Product: Debt collection

Remove the identity theft accounts from my credit report immediately, as required by law under FCRA 605B. Failure to comply will lead to legal action, and my attorney is ready to take necessary steps to hold you accountable for noncompliance. This is your final warningXXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX BALANCE {$1100.00} and XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX  XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. Please remove.
Product: Credit card or prepaid card

To Whom It May Concern : I have a credit card with Discover that i have been using for the last two years. Unfortunately, i purchased a travel ticket via internet on XX/XX/XXXX for the amount of {$1400.00} through XXXX XXXX. The booking number ID is XXXX. The itinerary of my flight was delivered to me via my email address. The airline company is XXXX XXXX. But From XXXX to all the way to my final destination i was booked with XXXX XXXX partner of XXXX XXXX. Once I arrived at the airport on XX/XX/XXXX at XXXX XXXX, I was told by XXXX XXXX employees that they just closed registration even though the departure was at XXXX XXXX. So, I inquired about the need to be booked on the next flight. They refused and said that they were nothing they could not do for me because I did not buy my ticket directly from them. I contacted the customer service of XXXX XXXX through open chat window on their website because there was no phone number to call on documents delivered to me. The customer representative i had, told me no to worry and they will get back to me. I immediately called my credit card company ( Discover credit card ) to inform them of the situation before the plane takes off. I was relieved when the customer representative told me no to worry about anything. They will deal with them. So, I used my other credit card to purchased another ticket for an amount of {$1500.00} from XXXX the same date. I was surprised that few months later I was charged back twice for the amount of {$1400.00}. for a total of {$2800.00}. {$1400.00} from XXXX XXXX XXXX XXXX ( I have no clue what company is that ) and {$1400.00} from XXXX XXXX XXXX. I tried to resolve the matter with them. But I noticed that this has become their routine in stealing from consumers.They sent me documents from the merchands that I disputed. But still they are quick to decide to close the investigation. How could I be charged twice for the same item?
Product: Credit reporting or other personal consumer reports

My account with 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 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 months that are reported late 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 XXXX days before the payment due date. 


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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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

us dept of ed/XXXX is a negative account, account no XXXX .... appearing, wrongfully with damage to my credit rating on experian and transunion accts. 
The famously wrongdoing creditor was cited recently in the news as one of their chief executives quit because he couldn't stand the chaos.He said we get over 500000 requests for credit correction per month.They are not being investigated but verified without any investigation on the part of the creditor.This executive was 2nd or 3rd in power to XXXX, the presidents new appointee to head the DEPT OF EDUCATION. 

ON MY ACCOUNT THE FINAL PAYMENT WAS MADE BY ME ON XX/XX/XXXX

I NEVER MADE A SINGLE PAYMENT AFTERWARDS, THE DATE OF FIRST DELINQUENCY IS XX/XX/XXXX LEADING TO CLOSURE/TRANSFER.THIS ACCOUNT ACCORDING TO CURRENT CREDIT LAW OF CALIFORNIA SHOULD HAVE BEEN DELETED NO LATER THAN XX/XX/XXXX.YET BOTH BUREAUS CONTINUE TO REPORT WITH THEIR INACCURATE PAYMENT HISTORIES AND ILLEGAL DAMAGING REPORTING, QUITE GRAVELY SO WITH STATUTORY DAMAGES ACCORDING TO THE FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX, 2022 I received XXXX notifications about hard inquiries into my credit file. One was from XXXX, and the other was from XXXX. Ive placed all credit bureaus accounts on freeze and also placed an alert.
Product: Credit reporting

None of the three major credit reporting agencies will issue my credit report after I had entered all personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows 90 days to 120 days delinquent status for my student loans through XXXX XXXX. After providing proof to XXXX XXXX that my student loans should have been in forbearance during the months of XX/XX/XXXX and XX/XX/2017, XXXX sent me a letter agreeing that my student loans were retroactively placed in forbearance for the months of XX/XX/XXXX and XX/XX/2017 ; however, XXXX is refusing to remove the delinquent status from my credit report.
Product: Debt collection

XX/XX/2023 XXXX XXXX XXXX XXXX av XXXX, NY XXXX XXXX Account XXXXXXXX Bank of America  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiryon my XXXX, XXXX and XXXX ) credit report . My latest credit report sh

ows 1 credit inquiry that I did not authorize.

I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a personal loan with XXXX XXXX XXXX XXXX and because of the covid-19 I couldn't pay on it and it went to collections sometime later I contacted the credit union I made arrangements a little before XX/XX/20 and I started paying on the loan sometime later I finally paid off the loan on XXXX, XXXX but I went to pull my TransUnion credit report and it's still saying it's in collections/ charge off which is not true and I know what the Fair credit reporting act that they have to report accurate information and I will show the actual law that they have to follow I will show also as well that the bank statement showing that I owe absolutely nothing on this loan and it's paid off and the attachment below the account number that TransUnion has associated with this account is account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have settled with XXXX XXXX but they have NOT removed the information from my credit report. I also need the following information removed from my credit report because it has already been more than 7 years, so it is pass the special limitations. 
1. XXXX XXXX 2. XXXX XXXX XXXX. XXXX 4. XXXX I really appreciate your assistance in removing these negative items from my credit report. 

Thank you. 
XXXX. XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, someone attempted to add themselves to one of my  credit cards along with changing my address. XXXX XXXX emailed me and I closed the account. I then receive a letter from XXXX wanting information on a credit application. I contacted the institution in XX/XX/XXXX and closed the application process. They removed the account from my credit file. When I received my credit report because of these issues in XX/XX/XXXX, I noted an account with CBNA/XXXX, which I never applied for on my credit report. I contacted them and was advise I would get a letter to reply to it. Never received. I disputed the account with the credit bureaus ; however, XXXX will not remove the account after twice providing details to them. I put a credit freeze with XXXX since most of the issues appear to be related to their credit reports. I have also filed a dispute with XXXX. They are in the process of investigating my dispute. I have never visited a XXXX nor would I get a gas card from them.
Product: Credit reporting or other personal consumer reports

recently checking my credit report I noticed that I have been a victim of XXXX XXXX and found numerous credit inquiries I have no knowledge of, here are the inquiries I found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/year>2024 please remove these fraudulent inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is XXXX of multiple disputes sent to XXXX, XXXX, TransUnion, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, TransUnion and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. I have received multiple responses from XXXX, XXXX and TransUnion stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have no other variations or spellings. 
My address is XXXX XXXX XXXX XXXX XXXX XXXX. I have no other address nor have I ever.
Product: Credit card

On XX/XX/XXXX, Capital One prematurely reversed a chargeback based solely on the merchant 's response and without having requested or considered my response. To make matters worse, their decision relied on the merchant 's factually inaccurate and fraudulent submission. Capital One 's actions were not only a clear failure to due process, but consistently involved conflicting and deceptive instructions and information.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$1600.00} XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX Balance Owed : {$1700.00}
Product: Debt collection

I requested from Midland Credit Managment Inc. on XX/XX/year>, proof of the Debt by mail with a certified return receipt. My request was for proof of the debt, account statements, verification of assignment, and a detailed breakdown of charges and their license information.
Product: Credit reporting, credit repair services, or other personal consumer reports

A public record pertaining to a chapter XXXX bankruptcy filing on XX/XX/XXXX is listed on all three of my credit reports. On XX/XX/XXXX I mailed a certified letter with a copy of the letter I received from XXXX tx court stating they do not report to any credit agencies. I mailed it to equifax XXXX and XXXX on XX/XX/XXXX I received letters back saying they would not remove the debt. This record is inaccurate amd XXXX court system did not reach out to credit agencies to put this on my credit report. This is violating my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Information from My Credit Profile Dear Sir/Madam , I am writing to formally dispute certain inaccurate or potentially fraudulent information appearing on my credit report, which I believe violates my rights under several federal statutes, including 15 USC 6802 ( Gramm-Leach-Bliley Act ), 15 USC 1681b ( Fair Credit Reporting Act ), and 18 USC 1028A ( Identity Theft and Fraud ). I am requesting the immediate investigation and removal of such information from my credit profile. 

The entries I am disputing include, but are not limited to, the following accounts : Account # XXXX : Creditor Name : XXXX XXXXXXXX XXXX Account # XXXX : Creditor Name : XXXX XXXX XXXXXXXX Account # XXXX : Creditor Name XXXX XXXX Account # XXXX : Creditor Name : XXXX  Account # XXXX : Creditor Name : XXXXXXXX XXXX XXXX XXXX Account # XXXX : Creditor Name : XXXX XXXX XXXX  Account # XXXX : Creditor Name : XXXX Account # XXXX : Creditor Name : XXXX XXXX XXXX Account # XXXX : Creditor Name : XXXX XXXX XXXX  Account # XXXX : Creditor Name : XXXX XXXX XXXX Account # XXXX : Creditor Name : XXXX XXXX XXXX XXXX Account # XXXX : Creditor Name : XXXX XXXX Inquiry # XXXX : XXXX XXXX XXXX XXXX Inquiry # XXXX XXXX XXXX XXXX Inquiry # XXXX XXXX XXXX As provided by 15 USC 6802 ( The Gramm-Leach-Bliley Act ), I am entitled to request that my personal financial information is maintained and reported accurately. This includes ensuring that any errors or unauthorized entries are promptly corrected.

Further, under 15 USC 1681b ( The Fair Credit Reporting Act ), I have the right to dispute any information that I believe to be inaccurate, incomplete, or outdated. I request that you verify the accuracy of these entries and provide proof of their legitimacy. If the information can not be verified, I request that it be immediately removed from my credit profile.

Additionally, 18 USC 1028A criminalizes identity theft and fraudulent activities. Should any of the entries above be a result of fraudulent actions or identity theft, I expect these entries to be corrected and removed from my credit report as mandated by law.

Please conduct a thorough investigation into these discrepancies and, upon confirmation of any inaccuracies or fraud, remove these items from my credit report. I respectfully request a written response to confirm the outcome of your investigation and the steps you have taken to resolve this matter. 

If any further information is required to facilitate your investigation, feel free to contact me XXXX via email XXXX. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( cc ) If a consumer notifies a debt collector that a consumer refuses to pay debt a debt collector must cease all communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had credit card with XXXX XXXX XXXX XXXX. They charged off this debt and sold it to debt collector. I settled with debt collector. However, they reported that I failed to pay in XX/XX/2018 even though it shows {$0.00} balance and account status as closed. 

I had similar issue with XXXX Bank. They charged of this debt and sold it to debt collector and it's still reporting past due amount of {$1500.00} as of XX/XX/2018 even though status says closed and charged off. 

They keep updating these periodically damaging my credit and it seems there is nothing I can do about it. Please help me. 

If you look at my credit report as of XX/XX/2018 you will see both a past due amount and account status as closed and payment status as charged off.