23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Disputed 2 accounts with Collection management, .OVER A MONTH AGO AND the accounts are still reporting on my consumer report. THESE DEBTS ARE UNVERIVIED AND INACCURATE AND VIOLATE THE FDCPA AND THE FCRA. I DID NOT GET THE INFORMATION THAT WAS REQUIRED AND THIS HAS BECAME A VIOLATION IN WHICH I WILL BE SEEKING REMEDY FOR DAMAGES BECAUSE THE ITEMS HVE NOT BEEN DELETED FROM MY CONSUMER REPORT AS I REQUESTED.
Product: Credit reporting or other personal consumer reports

My Rights Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, including accounts that were XXXX in bankruptcy. Additionally, the Bankruptcy Code states that debts XXXX in bankruptcy should not be reported as derogatory. Given that all the accounts in question were XXXX, I believe these derogatory marks violate my rights. I request that these accounts be reviewed and that accurate reporting be ensured. 

General Comments I understand that my credit score is affected by these derogatory marks. I have made efforts to maintain good financial habits, including ensuring all accounts are paid on time and maintaining a {$0.00} balance on closed accounts. Given that these accounts were XXXX in my bankruptcy, I would appreciate your prompt attention to these matters and any guidance on how to resolve these issues.
Product: Mortgage

When Nationstar ( now " Mr. Cooper '' ) purchased my mortgage from XXXX  XXXX XXXX several years ago, my mortgage payment was approximately {$2400.00} per month. Suddenly, upon the change in " ownership '', my mortgage payment jumped almost {$1000.00} dollars per month. I am now paying a mortgage that I would pay for almost twice as much house. I have repeatedly reached out to Mr. Cooper for answers and to have this issue addressed. To date, there has been no substantive response. When the matter initially occurred my house went into foreclosure because the appropriate amount had been automatically removed from my bank account and suddenly was insufficient. I was given no notice and subsequently learned that we were about to default. I incurred approximately {$30000.00} in costs in order to avoid default. Since then ( XX/XX/XXXX) we have continued to overpay while attempting to address this issue with Mr. Cooper.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on numerous occasions attempted to rectify a few discrepancies within my consumer report. Under the law, it is the job of the consumer reporting agency to make sure that the information that they are reporting is accurate. As the consumer I have notified the agency to remove the following items : XXXX XXXX XXXX XXXX ) To date these unverifiable accounts remain on my consumer report. 
The consumer reporting agency should be able to see that these items have been previously disputed without a proper investigation/ or verification method. I am requesting that the consumer reporting agency reinvestigate these accounts by manual verification. If any item is to come back as verified please provide this information pursuant to 15 US Code 1681 ( i ) ( 6 ) ( b ) ( iii ) : 1. A description of the procedure 2. Name of the business 3. Business address 4. Business phone number 5. Name of the agent 6. Most importantly, if my personal information such as my date of birth, ssn, and/or address was provided to you without my consent for verification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently filed a complaint through CFPB due to   XXXX   XXXX   showing an inaccurate delinquent account on my credit report since   XXXX  . My most recent complaint from  XXXX  was me asking   XXXX   XXXX   to remove the account completely from my credit report and their response was that they are unable to remove the account because it did in fact exist. What I guess I needed to clarify is that I 'm fine with the account showing up on my credit report but it still shows up as a delinquent account which is completely inaccurate and it has caused my  credit s  core to p lummet in the last 2 years and now is the reason I can not refinance my graduate student loans. So the delinquency part of the account is what needs to be removed from my report.     Also, I have submitted requests to the credit bureaus to eliminate the delinquency from my account and they have failed to do so.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal Law and provides consumers with necessary proof of investigation. 

Account innacuracies : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1, XXXX XXXX XXXX XXXX - {$0.00} 2. XXXX XXXX XXXX - {$1200.00} 3. XXXX   XXXX {$0.00} 4. XXXX  XXXX XXXX -! XXXX 5, XXXX XXXX - {$800.00} none of these accounts belong o me I am afraid this is ID theft or sense I have a common name the credit bureaus have my name mixed up.
Product: Checking or savings account

I was told my account was closed. That's all there was to it. Just told my account had closed.
Product: Credit card or prepaid card

I opened a XXXX  credit card on XX/XX/2013. I used it, paid off the debt and closed it XX/XX/2013. It is still actively on my account and is effecting it negatively even though ive never missed a payment and ive closed it. It is also being stated as a current account.Ive asked for pay to delete but the company says they can not delete it off my credit report
Product: Credit card or prepaid card

Re : Case # XXXX. 

1 ) The credit balance was created on XX/XX/19, but was removed in XXXX. Therefore, 90 days had not passed. ( Note that Citi has deleted all XXXX transactions and the XX/XX/XXXX account statement containing them from my online account history. ) 2 ) I did request a refund via chat within 90 days as you can see by requesting their support records. 

3 ) Regardless of what it said on the statement, this is not part of the terms and conditions for the card.
Product: Mortgage

Beginning on XX/XX/XXXX through XX/XX/XXXX, Caliber Home Loans has not sent me a refund check from my escrow check. Caliber Home Loans claims that an escrow check went on XX/XX/XXXX. However, Caliber Home Loans did send me a payment summary on XX/XX/XXXX and mailed it on XX/XX/XXXX without a refund check from my escrow account. I received this payment summary on XX/XX/XXXX. Caliber Home Loans continues to be deceitful throughout the escrow analysis process and refuses to address the interest on the money they withheld for 6 months. I also noted that the payment summary on my escrow summary does not show that a refund will be issued from my escrow account. See attachments.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is inaccurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of my disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the XXXX 's recent administrative proceeding ( File No. XXXX ) against them for similar violation. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the account that I've marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I sold a car on XXXX. Received payment through cashiers check for {$2500.00}. I deposited the check through the mobile application on Monday XX/XX/20 and the funds all cleared within 36hours. Shortly after the funds cleared and I began to close the sale, the buyer called to back out of the sale citing family turmoil XX/XX/20. I was pressured into sending the funds via XXXX/XXXX XXXX. I didnt think anything about it because my bank cleared the funds. I made three transfers on Wednesday the XXXX : 1. XXXX {$500.00}, 2. XXXX {$1500.00}, 3. XXXX {$500.00}. After I returned the money, my checking account reflected the normal amount before the check had been deposited. Thursday the XXXX I went to buy food and my debit card was declined. I called the bank and was notified that the check I deposited was reported stolen and that the funds would be replaced. On Friday XX/XX/XXXX, my direct deposit from work came in and my account was still negative. I called Citibank and they notified me that I would be responsible for the fraudulent funds I transferred out and that they are not responsible for any checks deposited. I argued that I did not know that the check was fraudulent and that the funds cleared in my account. Furthermore, I would not have authorized the transfers through XXXX/XXXX  had I known that the funds were fraudulent. I spoke to several supervisors and they all told me that because I authorized the transfers from my account that I was solely responsible for the fraud and that they would not be able to credit my account for the stolen funds. They said that the check was cleared at first in good faith, and only after the return transfers were made was when the check was flagged as stolen. I am left to assume the risk and liability of the entire thing. I filed a police report and also contacted the federal trade commission.
Product: Credit reporting or other personal consumer reports

OCWEN Account number XXXX Closed XX/XX/XXXXXXXX XXXX XXXX XXXX  Account number XXXX Closed XX/XX/XXXXXXXX  Both accounts listed above I disputed due being reported twice to all 3 credit bureaus with different closing dates and accuracy. I'm demanding that all late payments be removed this mortgage loan is paid off and should reflect current.
Product: Mortgage

Evidence of property insurance has been provided since loan was transfered XX/XX/XXXX Letter from Planet says they will be sure i do not have charges.Yet there is NO PROOF BEEN PROVIDED.Read letter from them 4 letters no detailed payments that were APPLIED WITH PROOF FROM INSURANCE OFFICE EVERY YEAR GIVEN TO PLANET HOME LENDING account had never had impounds for insurance.a 20 % loan to value on a equity line of credit ON property no loan.CONFORMNG 4 plex residential XXXX XXXX XXXX XXXX XXXX XXXX XXXX owner checked in his system shows PLANET HOME LENDING copies being sent automatic.Yet every year they send letter saying they will put insurance.I go get emails from my insurance agent and make him send me copies and them again.The head guy XXXX XXXX year says he will deduct from my account.Planet in the last complaint said THEY WERE SORRY THEY FOUND PROPLEM IT DOES NOT TAKE FROM XX/XX/XXXX TO XX/XX/XXXX TO FIND PROBLEM I have reported to CFPB SHOWING PROOF I need a copy of the charges and reverse charges to be sure there are no charges... I will also send to DEPARTMENT OF INSURANCE AND OTHER AGENCYS TO PROTECT CONSUMER.
Product: Credit reporting or other personal consumer reports

i have false names, addresses, and information on my credit report on XXXX, XXXX, and experian. inquiries that are not mine.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sold a XXXX XXXX XXXX XXXX on line through XXXX  and the customer paid {$3500.00} for the machine and {$100.00} for the shipping of the machine. The customer paid through PayPal and took out {$100.00} for their fee. Which left a total of {$3400.00} which I had not received any part of to date. On XX/XX/XXXX I sold through XXXX  a XXXX  XXXX XXXX machine for {$3500.00} and {$190.00} for shipping. Again the customer paid trough PayPal and PayPal took out {$100.00} for their fee. Out of this second transaction PayPal released to me {$2500.00} which leaves an outstanding balance of {$4500.00} which is being held.
Product: Credit reporting or other personal consumer reports

I filed a complaint against Experian on or about XX/XX/XXXX regarding my XXXX XXXX status. Today is XX/XX/XXXX and there are still accounts relating to that crime on my credit report.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my concern regarding the reporting of transactions or experiences between myself and XXXX XXXX on my consumer report, which is a clear violation of the Fair Credit Reporting Act ( 15 USC 1681a ). Which clearly states that you can not report late payments to a third party data furnishing company that you do not own ( other than agents of the institution ). The Fair Credit Reporting Act ( 15 U.S. Code 6803 ) also states that you can not disclosure any non public information about me without my knowledge or expressed consent. 
According to Congress, XXXX XXXX may also be in violation of 15 U.S. Code 2068, which clearly states that my consumer report can not be distributed in commerce if the manufacture knew or should have known of such voluntary corrective action. In addition the Fair Credit Reporting Act ( 15 U.S. Code 2069 ) states that aforementioned violation of 15 U.S. Code 2068 requires monetary relief not to exceed {>= $1,000,000}. 

I have identified the following issues : Late payments ( transactions or experiences ) being furnish on my consumer report. I believe these matters warrant resolution before resorting to arbitration.
Product: Mortgage

I submitted the proof that i have insurance for my house. However, lakeview Loan Servicing LLC who is the escrow agent, refused to refund the deduction which should not be supposed to do that. 

Our house loan has no escrow account and we handled our insurance. In XX/XX/2018, Lakeview Loan Servicing LLC suddenly open the escrow account and deducted {$2200.00} and deducted the amount from my back account by automatic payment. Later on, I submitted insurance company 's statement and showed them we have insurance. Lakeview loan LLC sold the loan to XXXX. Lakeview Loan LLC refused to refund me saying the account is sold and closed.

I called Lakeview several times during the past few months and they said " the check is being processed '' but i never received the refund. Attached with the doc. You can see my escrow account starting balance is - {$2200.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has continued to attack my XXXX credit report with wrong information which I feel they are working with Capitol One who is providing false information on a fraudulent account that they have mixed up with my settled account.
Product: Credit reporting or other personal consumer reports

TransUnion Compliance Department XXXX XXXX XXXX XXXX PA XXXX Subject : Follow-Up on Security Freeze and Opt-Out Request Dear TransUnion Compliance Department , Thank you for your interim response to my complaint regarding my request for a security freeze and opting out of the disclosure of any debt-related information. I appreciate your acknowledgment of my request and understand that a thorough review of my case is underway. 
To reiterate, my primary request involves the following : 1. Placement of a Security Freeze : I request that a security freeze be placed on my credit profile to prevent unauthorized access or the release of information to third parties without my explicit consent. 
2. Opt-Out of Information Sharing : I do not consent to the disclosure of my personal or financial information to credit bureaus, reporting agencies, or other third parties. 
Supporting Documentation For your review, I have previously submitted the following : A copy of my driver license A recent utility bill to verify my identity If additional documentation or clarification is needed, please contact me at XXXX or via email at XXXX. 
I understand that you may need additional time to process my request and review the necessary details. However, I kindly request that you prioritize this matter and provide a detailed update or resolution within the stated 60-day timeframe. 
Thank you for your attention to this matter. I look forward to receiving your final response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against XXXX, XXXX, and TransUnion for their continued failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account. Despite my repeated requests for correction, including disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved, constituting violations of federal consumer protection laws. 
Discrepancies and Errors Identified Late Payment Reporting Discrepancy : A 30-day late payment for XX/XX/XXXX is reported inconsistently across the credit bureaus. However, my payment history reflects timely payments before and after this date, and no substantiated evidence of a late payment has been provided by the credit bureaus or the creditor. 
Inconsistent Data Across Bureaus : The closed date for this account is inaccurately reported or omitted by certain credit bureaus.

Payment statuses and account descriptions are inconsistent, with one bureau indicating Account closed by consumer and another marking it as Closed or paid account/zero balance.

Violation of FCRA Standards : Under 15 U.S. Code 1681i, credit reporting agencies are obligated to ensure the accuracy of consumer file information. This obligation has been disregarded, as evidenced by the unresolved errors in reporting.

Failure to Provide Notice as Mandated by TILA : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The reported late payment for XX/XX/XXXX raises concerns about the creditor 's compliance with this requirement. 
Impact of Inaccurate Reporting The inaccurate reporting has significantly harmed my creditworthiness and caused undue stress. The lack of timely correction has further eroded my confidence in the accuracy and reliability of credit reporting practices. 
Desired Resolution Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report with XXXX, XXXX, and TransUnion. 
Written confirmation from each credit bureau confirming the correction. 
If this issue is not resolved promptly, I will pursue further action, including potential legal proceedings and filing additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bureau and XXXX is not reporting this debt of a balance {$1900.00}
Product: Checking or savings account

I am the XXXX XXXX XXXX XXXX XXXX XXXX owned by a long time client. I was in a series of emails regarding depositing funds and requested the account number to make a deposit to a partner on XX/XX/2022. Someone posing as my client and his partner interposed and emailed instructing me to deposit into an account in the name of XXXX XXXX, account number XXXX at PNC Bank. All the information and emails looked legitimate. The check was drawn on the XXXX XXXX XXXX. I filed a claim at the XXXX XXXX XXXX as instructed by the bank. PNC has refused to accept a complaint from me or my lawyer. I have filed with the XXXX Police, the FBI and the FTC but have not heard back. I have been informed by lawyers that PNC was an instrument in the fraud and may have been in violation of the Money Laundering Control Act " Know Your Customer '' policy.
Product: Bank account or service

Following up, now for a second time, Capital One 360 refuses to complete transfer of my IRA accounts to XXXX Bank. You responded by email to my original complaint XXXX to you, writing that Capital One claims to be investigating. Since they began investigating, they have refused AGAIN to make the same transfers.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX  to my life and credit health.
Product: Debt collection

XXXX XXXX has sold a debt they do not own to another company called Allied Interstate LLC. 

The debt in question is currently owned by XXXX XXXX XXXX and is currently being paid through them.