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

I am writing to dispute late payment entries that have been reported on my credit file, as I believe they are inaccurate. These late payment records do not accurately reflect my payment history, and I am requesting a review and removal of these entries from my credit report. The presence of these disputed items is unjustly impacting my credit standing, and I ask that the necessary corrections be made to reflect a true and fair representation of my financial behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- {$6700.00} Open balance Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence- Please this is not mine.
Product: Checking or savings account

Fees from XXXX and XXXX keeps getting withdraw from my account without authoization. Have contacted XXXX and XXXX regarding unauthorized charges. Filed disputes with Bank of West multiple times. Contact Bank of West regarding overdraft fees that has been charged to account. Bank or merchant still havent credited my account causing my account to be negative and unable to pay bills or take care of dependent.
Product: Checking or savings account

They have the promotion about deposit {$15000.00} for certain days and give me {$500.00} bonus, and they never give it to me.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$470.00} XXXX  XXXX XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}
Product: Credit reporting or other personal consumer reports

Despite my multiple attempts to rectify this situation, these fraudulent items remain unaddressed, causing me substantial distress and financial harm. I would like to provide a brief overview of my efforts to address this matter : I first became aware of fraudulent items on my credit report and financial accounts. I immediately took steps to report the fraudulent activity to the relevant authorities and my financial institutions. Subsequently, I made multiple attempts to dispute these fraudulent items with the credit reporting agencies and provided all the necessary documentation to support my claims. I have also been in regular communication with the customer service departments of the financial institutions involved. Despite my commitment to resolving this matter, the fraudulent items continue to appear on my credit report and have not been adequately addressed by the credit reporting agencies or the financial institutions. I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report and financial accounts. Kindly help me remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am requesting a copy of my credit report from LexisNexis. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a free copy of my credit report once a year. I have tried to contact LexisNexis without success and am seeking CFPB 's assistance in resolving this issue. I have attached my personal information
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX a division of Customers Bank ) discloses its account holders personal private information to third parties without obtaining a customer consent. 

XXXX XXXX prints customers residential address ( as opposed to customer 's mailing address ) on the Bill Payment checks that it send on customers behalf to third parties. 

Some customers keep their personal non-mailing addresses private and expressed concerns to the company about disclosing their private personal information to a wide range of third parties. 

When customers contact XXXX XXXX regarding the issue, the bank responds that " physical address must be printed on the checks or bill payment checks '' without providing any details on where this requirement comes from and whether that requirement is disclosed to customers in the Bank 's terms and conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against the rip off companies Equifax, XXXX and XXXX. It is ridiculous that I have sent 2 letters on XX/XX/21 and XX/XX/21 and still have not received notice that a investigation has even started nor have I gotten any resolution! In my letters it details my disputes about the falsely inaccurate accounts on my Credit report that have been reported by these companies. The negligence I have experienced as a consumer isn't right and I just want to be treated fairly as the FCRA laws permit me to, I come to the CFPB as I need help to be properly addressed in my dispute and not ignored for almost 6 months. 

I want original documentation to be provided by these companies to support their claim to be supposedly reporting accurate Information. Failure to do so should result in deletion of the accounts and false late payments found on my report. Failure to mark these accounts " in dispute '' on my credit report is a FCRA violation along with not responding after 30 - 45 days is ground to have these accounts removed alone! I will sue if I am taking Advantage of further!
Product: Debt collection

I received a call from Nationwide Recovery Systems stating I owe a debt of {$320.00} to XXXX XXXX XXXX XXXX. I contact XXXX XXXX and was informed that I owe them no debt, the rep further informed me that they do not use Nationwide Recovery Systems and they do not sell their collections. They use a Third party company, XXXX XXXX XXXX in XXXX, VA. 

When I spoke with the rep from Nationwide Recovery Systems, I disputed this debt, I requested that they send me a itemize bill with details and dates of service, signed Hippa form and a copy of my ID. I have never received these documents and Nationwide has not verified this debt. I received several alerts that this debt was reported to all three credit reports. 

Nationwide did not verify the debt, but law if I request verification and dispute the debt, Nationwide must provide. At this time I have received no such documentation.
Product: Mortgage

In XXXX, Freedom mortgage directed an unauthorized ( meaning not authorized by me ) allocation of funds from interest to principle. Instead of dividing the payment for XXXX into allocations of both interest and principle, they allocated 100 % of the payment to principle. I do not know why they did this and they are unwilling to admit to why they did this. Freedom mortgage reported that I missed a payment towards the interest of the loan for the month of XXXX. This has impacted my credit score which has dropped as much as XXXX points. 

Freedom Mortgage has called me stating they are a debt collector and requested that I not cash any checks they sent to me. 

Prior to XXXX I requested removal of PMI since I was eligible because my account was in good standing. 

They approved the removal of PMI and implemented it but the implantation resulted in accounting errors and miscommunication between internal departments. They incorrectly pro-rated over-payment of the PMI amount prior it's approved removal and started sending me checks in that amount. The month the PMI was to be removed was the same month the misallocation of the monthly autopayment was made to 100 % principle.

They now state they have not made inaccurate reports to credit bureau 's but have stated that they have amended reports to state that my account is " current ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy. 

15 USC 1681 Section 604 A section 2 : It also states that a consumer Reporting agent can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end Consumer credit plan As late for purpose.
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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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: Credit reporting, credit repair services, or other personal consumer reports

I currently have four federal student loans serviced by XXXX XXXX Dept of Education. These loans have been in forbearance since the beginning of the initial repayment period. 

My credit reports four late payments on four each of these loans, totaling 16 late payments in my credit history ; a very damaging number.

Forbearance was granted retroactively to cover the dates of these late payments, however in educating myself on the subject, I have found that XXXX XXXX refusal to update the reported payments as " no payment due '' and remove these derogatory marks from my record in conjunction with their willingness to extend the forbearance for that period, in clear violation of the FCRA Notice to Furnishers of Information : Obligations of the Furnishers Under the FCRA. 

I find this also to be in violation of the Higher Education Act which dictates : " as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a backdated deferment and forbearance that converted the original period of delinquency into a period where no payment was due ( Sec. 463 ( c ) ( 4 ) ( A ) of the HEA states that an institution " shall disclose promptly to such credit bureau organization any changes to the information previously disclosed ''. 

I am a hardworking individual who attempts to make responsible choices, and my creditworthiness is not reflected accurately as a result of this error in reporting. This unfairly affects my ability to obtain credit, housing, and even employment.
Product: Credit reporting

In XXXX of 2013 I paid a past due medical bill two months after it was reported as past due on my credit report. The medical bill is still showing as in collections even though it was paid over two years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$100.00} XXXX/XXXX XXXX {$250.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX {$1600.00} XXXX XXXX {$2200.00} XXXX XXXX {$1000.00}
Product: Money transfer, virtual currency, or money service

I had arranged to have a transaction with a person for some concert tickets. After texting and receiving a screenshot of the tickets to be transferred, I initiated a payment ( {$160.00} ) through XXXX. The person never sent the tickets and is now not responding to my attempts at contact. I contacted my bank, PNC, to see if this transaction could be disputed before it even cleared and was told that this is not possible. I was told that I should just request the money back from the person, which I have done, but them following through on this seems unlikely. I was surprised to find out that PNC offers no sort of protection for its customers in events like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of XXXX & financial stress which is impacting my ability to XXXX, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00}.
Product: Debt collection

I have requested that the inaccurate and unverified debt no longer be reported on my consumer report. 

Pursuant to 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 consumer 's right to privacy. 

You must comply with my request for privacy by no longer reporting this account and making it accessible in the public domain.
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, has violated my rights. 

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: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XX/XX/XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Consumer Loan

Mercedes-Benz Financial will not provide a lien release. On XXXX XXXX I purchase a used vehicle from XXXX XXXX that had a lease balance of {$42000.00}. I got a loan from the XXXX XXXX XXXX XXXX for {$30000.00} and paid cash of {$12000.00}. The XXXX made their check payable to me and to XXXX XXXX, and we were instructed to endorse the back and forward it to Mercedes-Benz Financial along with my cashier 's check for {$12000.00}. Mercedes confirms receiving the funds, posting date XXXX XXXX, XXXX. 
My DMV registration is incomplete because I did n't get the lien release from XXXX XXXX Co. I contacted Mercedes-Benz on XXXX XXXX, XXXX, and was told that they did receive the payoff funds but it had not been applied to the Lease payoff, and that XXXX XXXX would receive the release in about a week. Today, XXXX XXXX, Mercedes-Benz Financial Services says that they applied the {$12000.00} check to XXXX XXXX account, but that they will be sending back the {$30000.00} check to XXXX XXXX in 30 days because the payee is n't correct. However, they accepted the funds and have had benefit of them since XXXX XXXX. Needless to say, I have begun making monthly payments on the XXXX XXXX XXXX. loan. Also, If they send the funds back to XXXX Fed now who knows where it will get applied. If it pays off my new auto loan, I may not be able to get a new loan with the same terms. I want Mercedes-Benz to keep the funds that they have acknowledged depositing and release the lien. Currently, this vehicle has a loan and a lease concurrently. Also, if they feel that there was a problem with the check from XXXX XXXX it should not take 90 days to decide this. If I would have know, I could have gone back to the Credit Union and asked them to change the payee.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX with account # XXXX opened on XX/XX/year> and a balance of $ XXXX 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate my consumer rights have been violated pursuant 1681. Procedure in case of disputed accuracy ( a ) ( 1 ) ( A ) states If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) Treatment of inaccurate or unverifiable information, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. I would like this item deleted from my report
Product: Mortgage

I am refinancing my mortgage and Ditech gave a payoff that was good until XX/XX/XXXX which was the day it was funded to them. On today XX/XX/XXXX, they have emailed the Title company stating the payoff was short and by looking at the info they provided and the website with my mortgage information, myself or XXXX XXXX do not understand where the shortfall Ditech is stating came from and we can not get a direct answer from Ditech. 

The Hazard insurance in my Escrow was listed as {$2500.00} which they stated they paid XX/XX/18 and the XXXX XXXX paid the Hazard insurance also but sent a check back to me so it would not be paid twice. 

Do not understand the shortfall they are stating to the Title company of {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank has giving me unreasonable opt out means and is furnishing my nonpublic information to non affiliates. I am exercising my right to OPT-OUT of capital one sharing my information and directing them to cease the furnishing of my information to the all consumer reporting agency, pursuant to Title 12 Chapter X section 1016.7 ( h ) of regulation P. Per section 1016.7 ( g ) or regulation P, capital one must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 5 business days is reasonable and practicable.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Credit Inquiry Pursuant to FCRA Laws- XXXX  Inquiry on XXXX Dear CFPB Office of Consumer Response, I am writing to formally dispute a credit inquiry listed on my credit report originating from XXXX, which occurred on XX/XX/2022. This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ) regulations, which grant consumers the right to accurate and fair credit reporting. 

Details of the Disputed Inquiry : Creditor : XXXX  Inquiry Date : XX/XX/2022 Credit Bureau : [ Specify the credit bureau where the inquiry is listed ] Basis for Dispute : Upon careful examination of my credit report, I can confirm that I did not provide authorization for, nor did I initiate any credit application or transaction with XXXX on the mentioned date. As per FCRA regulations, I am entitled to accurate and timely information in my credit report, and any inaccuracies or discrepancies must be promptly addressed. 

Requested Actions : I kindly request the following actions in accordance with FCRA guidelines :
Product: Checking or savings account

Don't ever use Chime. They steal your money and do not offer any protection. 

I had a roommate and friend name XXXX XXXX for several months. She have history of fraud. She also had acces to my room, where my wallet most typical was plus my phone. 

I saw several charges of XXXX dollars, that i couldn't really remember anything about it. 
I had my card and my phone. But my phone very often went missing for hours, so did my wallet. 

So i later found out, that XXXX took my phone and wallet and use my card as pleased. I know kicked her out and trying to get XXXX dolalrs back from XXXX and XXXX dollars from Chime. I have attached court paperwork in this complaint to prove my point. 

I did not use the XXXX dollars or the money on my credit card, she did. But chime dont care and say they know it better than me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax on XX/XX/XXXX confirmation # XXXX and XXXX # XXXX regarding the inaccurate reporting of my XXXX XXXX  credit card account. The account is listed as 60 days past due with my last payment in XX/XX/XXXX and that I owe {$63.00}. My account should be listed Pays As Agreed with no past due amounts. I received the results of the investigationXX/XX/XXXX Monday morning. There were portions of my payment history that had been corrected but my account history was still listed as 31 -60 days late. I spoke with a representative named XXXX  and she said I had to contact XXXX XXXX. I told her that I 've contacted XXXX XXXX XXXX and they have not responded.
She said she would refile the dispute. It was refiled on Monday and I received results today XX/XX/XXXX and my historical payments have been corrected with no past due payments but my status is still listed as 31-61 days late. My status is supposed to be PAYS AS AGREED! I 've made payments to XXXX XXXX XXXX. I 'm up to date and on time. I make my payments thru the mobile site. I 've had issues with reviewing statements and the mobile pay platform. However I have monthly payments to XXXX XXXX XXXX thru my checking account. I 'm not behind on my payments. I do n't owe XXXX XXXX any payments. This error has dropped my credit score by 49 points. My status should be listed as Pays As Agreed. I would like this updated as soon as possible. This drop in credit score has triggered reviews by other creditors. Im in the process of trying to refinance and this drop in score effects my ability to refinance. XXXX XXXX XXXX is examined by the OCC.