23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX, XXXX, Experian, and XXXX, have violated my rights. I have also been told previously that it has been verified through the courts which are not true and I have verified with the courts that they do not verify this information with the credit bureaus or any other entities. My rights have been violated under the FCRA laws below and I have the right to privacy. I have asked that this be removed from my credit report multiple times due to the FCRA violations and the inaccuracies that are included.

15 U.S.C 1681 section 602 A. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions There are also multiple errors on my credit report in regards to this listing such as the reference #, court name, and filing date which violates my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is the organization. 

I have my account frozen. 

However, they reject my login when I try to log in. 

When I go through the steps they provide to recover my account ( I give them my date of birth and SS # ) the prompt that is returned says that 'it didn't match '. 

So I followed their instructions to do this by mail I sent them a copy of my Drivers License and recent bank statement via snail mail on XX/XX/2022. 

I have not heard back from them. 

I can not unfreeze the account so I am their financial hostage. 

If there was a way to get a hold of a human being from Experian this would not be an issue.
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX Account Number : XXXX Kindly correct/update this inaccurate information on my credit report. 

I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions. 
Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that XXXX making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress.

I insist that you update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( 1 ) and ( 2 ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts. 

Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to XXXX 's XXXX XXXX, XXXX XXXXXXXX XXXX  " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you,
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/19 I contacted XXXX Arc Home Loans in response to a message I received about my account. I was told that my payment had increased from {$2200.00} to {$2400.00} which is a {$210.00} difference and I was late on my payment. This was alarming as I had made my payment and we had no explanation or understanding of the increase. I was told by the customer service representative that there were insufficient funds in our escrow account, and we would have to make up the difference. She also stated that we are required by law to have an extra escrow payment in our account, which is not accurate information. 

Subsequently, I looked at our final settlement statement and discovered that there should have been a payment of {$3000.00} for our property taxes hazard insurance put into our impound account. I spoke to a XXXX escrow representative that stated she was able to see that only approximately {$700.00} was placed into our  account at closing and that is was, in fact, short. She said she would open a claim to investigate where the missing money went. 

I have also had to take an added step of requesting that my impound account be closed to avoid the increase in payment as I have lost confidence in the lender 's statement that they will reimburse my money when this is resolved. 

Upon reviewing my bill on XX/XX/19, I saw there was a late fee added to the still increased due amount, I called and spoke with another representative that stated our case was resolved and that we received a phone call and message on the XXXX. No phone call or message was received. She also stated that we received a check for {$2600.00} in XX/XX/XXXX and that is where the missing money went. This did not add up to the numbers in our loan documents. We did receive a check for {$2600.00} even and it had previously been explained to us that we would be receiving a cash out payment from the previous impound account with the same lender and we verified at the time that was the roll over check. 

After logging into my online account and viewing my escrow impound account statement, it appears that it started deficient as the money from the settlement statement was not deposited. 

I have also spoken to the title company and they stated the money was dispersed to the lender per the settlement statement. 

When I requested to speak to a manager with the company, I was told there were none available. At this point, I have received no logical explanation as to why the money is not in the account. In addition, I have received contradicting information for each person that I have spoken to and I am greatly concerned that it was marked as resolved without contacting us and with an inaccurate resolution.
Product: Mortgage

I filed a bankruptcy in XXXX the bankruptcy did not include my mortgage with US BANK however US BANK stopped reporting my mortgage to the credit bureaus. I called US BANK multiple times and each time I was advised that if a person filed bankruptcy that they were not required to report my mortgage payments to the credit bureau. I called again in XXXX of XXXX and was advised by XXXX in the bankruptcy department that in order for them to report my payments to the crew bureau I have needed to complete a form prior to XXXX of XXXX. I escalated the call to the manager XXXX and I informed her that I signed a reaffirmation form in XXXX of XXXX that stated that by signing the form it would make it possible for US Bank to submit beneficial credit reporting on my behalf. I spoke with XXXX from the bankruptcy department XX/XX/XXXX who informed me that us bank decided not to report to the credit bureau on my behalf even though we have a signed agreement on record with the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reportsXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Product: Mortgage

Home paid off in XXXX of 2020 with a company called Home Point Financial. 
Refinanced with another company due to Home Point Financial raising mortgage payment ( increase off XXXX/month. They had said the taxes were higher than anticipated and if the taxes were paid by me, the payment would not increase. I paid the taxes but they still kept the mortgage XXXX/month higher than what it was, so I refinanced with another company ). 
Home Point Financial will not return owed escrow payment. ( {$2600.00} ) Inquired in XXXX of when payment would be returned. 
Home Point Financial states that they sent a check in XXXX. *never received* ( never had any issue getting their statements here, or any other mail ). 
Asked Home Point Financial to put a stop on old check and send a new check. They agreed and said new check will arrive in 2-3 business days. 
5 business days pass, no check, call Home Point Financial again. They state check was not sent but will now be sent to me by the XXXX of XXXX. 
XX/XX/XXXX, continue without check.
Product: Credit reporting or other personal consumer reports

I have disputed multiple accounts on my Equifax credit report including 2 accounts with XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, multiple times during the period of XX/XX/year> thru XX/XX/year>. I have filed an identity theft claim with FTC concerning the XXXX XXXX XXXX Account. I have no knowledge of the vehicle attached to the account. There are inaccuracies and discrepancies on the other accounts that are being reported and are having a negative effect on my credit scores and financial well being. Each time I have disputed these accounts, Equifax has CLAIMED these accounts has verified that the accounts belongs to me AND are reporting 100 % accurately. However, the information that is being reported to each bureau is completely different such as balances of the account, date of last activity, date last reported, etc. These inaccurate reporting are in direct violation of the Fair Credit Reporting Act Section XXXX which requires that when a company provides information to a CRA, the are obligated under the FCRA to ensure the accuracy of the information that is being furnished. It is illegal per the FCRA to report information that is inaccurate. And the credit bureaus have an obligation to only report true and accurate information. As well as to PHYSICALLY investigate disputes of these inaccurate items in which I do not believe Equifax has done at all. The credit bureau has continuously failed to PHYSICALLY PROVE ownership of the reporting of these accounts nor have they PHYSICALLY VERIFIED the accuracy of their reporting per the FCRA guidelines. They contine to electronically " verify '' these accounts via the e-oscar system. They allow creditors to " batch verify '' thousands of accounts by merely pressing a button instead of requiring PHYSICAL verification.This practice is appalling and should not be allowed. It is obviously unreliable and flawed. The FCRA states that if any aspect of the account reporting is not accurate, the entire account MUST BE REMOVED. The credit bureaus has repeatedly refused to follow FCRA guidelines. I am hopeful that you will force Equifax to follow federal law and to remove these inaccurate accounts IMMEDIATELY due to their inaccurate and ILLEGAL reporting!
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. 
I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Checking or savings account

I opened a new TD Bank checking account at the end of XX/XX/XXXX. This was after receiving a mailer about an opening bonus and I decided to take advantage of it. The account was opened on XX/XX/XXXX. The terms on the mailer I received is similar to what can be seen in their current active offer online : XXXX XXXX XXXXXXXX After opening the account I called and verified that it will qualify for the opening bonus offer. They told me that the account qualifies and once the requirements are satisfied I should get the bonus. 

Fast-forward to XXXX and I still haven't received the bonus so I called TD bank customer service once again. The rep I spoke with once again confirmed that my account should qualify for the bonus and told me they will investigate and escalate as necessary. I had to call back again at least 2 times after there was no change and they kept telling me the same thing. Finally on XX/XX/XXXX after multiple calls over the last month, I was told that upon review my account was deemed ineligible for the opening bonus because they claimed that the mailer was not addressed to me. They told me that this was the determination of an internal department and when I asked to speak to that department I was told that they do not speak with customers. 

Meanwhile, the bonus scheme is still active to date and can easily be accessed online. The mailer I received had me go to a website link to sign up and did not require a unique code to activate the bonus. 

Because they refused to escalate and hear my concerns further I've decided to close my account with TD bank. Please investigate as their online bonus offer is essentially a scheme and fraud if it means they are not actually giving people bonuses and are arbitrarily saying accounts are ineligible. 

Thank you.
Product: Credit card or prepaid card

I filed XXXX separate disputes all for {$500.00} with Citbank back in early XXXX for merchant XXXX XXXX. Citi took barely any notes and 2 months later charged my card. I still strongly disagree with the charges and in early XXXX emailed a ton of attachments to XXXX. I have tried following up numerous times via email and by calling XXXX. No response.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX  Late Payment : XXXX XXXX XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX Employers : XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX 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 my the company and is not a reflection of my payment experience which violat

es 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 60 days 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 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 XXXX
Product: Checking or savings account

XXXX XXXX XXXXXXXX decided last XX/XX/XXXX, to suspend my account ( even though they owe me money for back pay ) because I receive additional income of about XXXX XXXX dollars a month and they were trying to allege I owed them money for overpayments. So for the last two months Ive been going back and forth with them and they delayed my usual monthly deposit until XX/XX/XXXX. 
So about four of my scheduled ach transfer bounced. My bank, Wells Fargo is charging me like four or five hundred in fees and I never agreed to pay for the overdraft protection plus they claim that after the third or fourth overdraft they simply reject the automatic debits or electronic checks or whatever. I have problems with them because they have mismanaged my accounts many, many times before. Double charges to them causing the overdrafts by them double charging or repeating the same debit twice. Im constantly looking to see every month what they did. Id like them to credit my money back so I can change banks. 

Thank you XXXX
Product: Mortgage

On XX/XX/year> XXXX XXXX sold my mortgage to Mr. Cooper. In XXXX I noticed that my mortgage was never put back on my credit report. My credit score dropped about XXXX points since my oldest account was not gone. I contacted Mr. Cooper via a ticket on their website. I also followed it up with a phone call to them. I was told on the phone that my mortgage should be on my credit report with a couple of weeks. I then received an message from their ticketing system at the end of XXXX stating that although they report to all of the major credit agencies they would not be reporting my mortgage because it was never reaffirmed with XXXX XXXX. I responded back to them with the documents showing that the mortgage was reaffirmed and they never responded back. I then opened another ticket with them to submit the file and they just deleted the ticket. It is gone from my profile and it is not searchable. 

On XX/XX/year> I received an adverse Action Notice rejecting my application for a car loan and one of the reasons was Lack of Real Estate Secured Loan information. Mr. Cooper is affecting my credit score and keeping me from being able to get the best interest rate possible on the loan.
Product: Credit reporting or other personal consumer reports

This is my 6th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XX/XX/XXXX