23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan was re-financed from Lakeview Loan Servicing to Lakeview Loan Servicing in late XXXX. Prior to closing, I paid the homeowner 's insurance bill and Lakeview paid the insurance bill. At closing, the mortgage broker paid the homeowner 's insurance bill. In XXXX, I received notice from Lakeview that I needed to provide proof of insurance. I told them they already had it. I was told they would attempt to contact the insurance company again. A few days later, XXXX notified me the mortgage company on the policy had been updated. In XXXX, I was again notified that I needed to provide proof of insurance coverage. This time, instead of talking to the insurance dept of the mortgage company, I talked to customer service. The lady looked through my policy and confirmed that the policy number was the same and, based on the documents on file with the company, I had no lapse in coverage. She stated she would be making contact with her boss and several departments to fix the issue. In XXXX, I was notified by Lakeview that the had taken money from my escrow to pay for hazard insurance. I called Lakeview and again spoke to a CSR. I was told that the money had been reversed. I received my XXXX statement today and there is no reversal. I checked the online account and there is no record of the hazard insurance that they wrongfully took from me has been refunded. I have attempted to contact executives from their company and I have had no response. At this point, I feel this company is operating fraudulently, hoping people won't notice money being taken. The amount taken was {$150.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this creditor ( Convergent Outsourcing ) on XX/XX/XXXX via certified mail ( tracking info XXXX ) Explaining that they need to verify that this debt belongs to me and the only thing they sent me was a old bill which doesn't meet the standards of verifying the debit. I never had an account with XXXX and also didn't recognize the phone number on the account. They failed to show proper evidence bearing my signature and they are reporting negative late payments on my credit report which is not allowing me to get approved with lenders. I sent another certified letter stating that a bill does not prove this account is mine and now they haven't responded and its been over 30 days. Letter sent certified and delivered on XX/XX/XXXX. ( Tracking info ( trackingID XXXX ) I sent another Certified letter on XX/XX/XXXX but I feel they will not respond due to their prior actions so I decided to go ahead and file a complaint. This is the only negative item that is on my XXXX and XXXX that is holding myself and my family back and I really don't appreciate them violating the law and continue to ignore my request. This is inaccurate information being reported and needs to stop immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts reporting to my reports. I filled out a identity theft and police report and the bureaus are still refusing to delete the accounts : XXXX XXXX XXXX, & XXXX/XXXX
Product: Checking or savings account

I got an email stating that customers of wells Fargo that had accounts between XXXX to XXXX may be owed money due to overcharges. I had several problem during my time banking with them and just wanted to find out if I could get back even some of the money that shouldn't have been taken. 
Thank you
Product: Credit card

I had XXXX credit cards with Bank of America and the issue at hand was they closed all XXXX accounts without notifying me as the customer and I find that as all my bills were and have been paid on time every month and they did not need to do that. I find it beyond pail. I attempted numerous times to reach a representative by phone as listed on each credit card only to be given a run around BOT that never transferred me to person that could actually answer any questions. I find that the customer service with this bank NON EXISTENT. also my limits were transfered from XXXX card to the next dropping the limit to a mere XXXX on XXXX card. the other card increased to XXXX k then was shut and the new card was only XXXX with a balance of over XXXX transferred. and closed at the same time. I find that their arbitrary policy to transfer balances or limits to certain cards arbitrary and not consistent. also closing the accounts without prior knowledge was not good for my financial health. I am not thrilled with what I have experienced with Bank of America. it seems like how XXXX XXXX treats there accounts too.
Product: Debt collection

Company is fraudulently reporting a debt that dose not belong to me. This company is in numerous of violations of my consumer rights. I've attached my affidavit below in this complaint listing all violations
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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Over Inaccurate and Unverifiable Credit Reporting I am filing this complaint to address inaccuracies and procedural violations in my credit report regarding two accounts : XXXX. XXXX XXXX XXXX  : This account is reported as having a XXXX late payment, which I believe is inaccurate. No sufficient evidence or validation has been provided to prove the legitimacy of this late payment. 
XXXX. XXXX ( XXXX XXXX  ) : This account is listed as a charge-off, but there are discrepancies in the balances, account statuses, and dates reported across credit bureaus. Additionally, I have not received proper validation from XXXX to substantiate their reporting. 

I have disputed these accounts with the credit bureaus and the original creditors. However, I have not received proper documentation or resolution as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Key issues include : Failure to verify and validate the accuracy of the reported information. 
Discrepancies in reporting across credit bureaus. 
Lack of proper notification of negative reporting by the creditors. 
Procedural failures by the credit bureaus to adequately investigate my disputes. 

I am requesting that these accounts be removed from my credit report immediately.
Product: Vehicle loan or lease

Husband XXXX XX/XX/XXXX ; notified Fifth Third Bank in XXXX, OH, and spoke with ( XXXX ) in the dept. handling XXXX issues ; my concern was about getting vehicle re-registered with DMV so my name would appear lien and Registration ; I was told to go to DMV because they were n't sure if they would allow it. I went to DMV and explained what I needed, and they gave me a " Transfer of Certificate of Title With Lien '' form for me to fax to the Lienholder/Representative ( Fifth Third Bank, Contact # XXXX ). I called back on XX/XX/XXXX, and spoke with an XXXX, but quickly got off phone because of her personality ; not someone I needed to speak, considering I 'd recently XXXX my XXXX XXXX. Called back to speak with ( XXXX ), who was very nice on my first contact with this Bank, but he was unavailable, so I spoke with a ( XXXX ) ; I asked could I fax the DMV form and XXXX Certificate to them, but was told I could, but they would not complete the form because I was not on the loan. My response was I know but I am maintaining payments, until loan is paid in full and only wish to be able to get the vehicle registered with DMV appropriately ; they would still have the Lien, and would still get their money. Loan has and is still in good standing. When I contacted them initially they had me believing that if the DMV is would accept such a transaction, it would be no problem. Their main concern was if I was going to keep the vehicle, and my response was yes, I would continue making the payments on time ; but now they want me to pay the loan off ; that 's easier said than done.l I 'm not rich, however, I 'm a retired, now XXXX, and will pay my husband 's loan. Look like their should be some type of provision for situations of this nature, especially when the XXXX is already going through so much mentally from the XXXX XXXX XXXX XXXX XXXX. I feel I should not have to be stressed with going and getting a new loan for my husband 's vehicle. I 'm not asking for a handout, just asking for help to keep paperwork with DMV straight.
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 15 USC 1681. 

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.

Attached bellow is my credit report showing the inaccurate accounts. Also, attached shows XXXX  has deleted some of these accounts because they have respect for the law and my rights!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an account that should not be reporting on my credit report. The account is XXXX XXXX. The account was sold to another lender which was already reporting on my credit report. I am requesting that the account be removed due to double jeopardy and the fact that the information is inconsistent between all 3 bureaus when all data furnished should be the same. Delete this account from my credit report immediately. I will attach the credit report showing the different payment history being reported. The account is highlighted.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Experian XXXX Information Center Dear : Experian I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( XXXX ) ( A ) : XXXX. XXXX - Account # XXXX ********* - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

XXXX. XXXX - account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 


XXXX. XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was a victim of Identity theft. I have received several collection notices from MRS BPO LLC in regards to an unknown account to XXXX. I have advised them that I have no knowledge of the account and supplied them a copy of the police report. To date, I am constantly being harassed by them. I hadnt heard from them for several months and assumed that was because they ascertained the matter and learned the account was not originated by me ... .. now they have started to call again and send me notices.
Product: Debt collection

Commonwealth finance is trying to collect and report on the same debt twice. This is very old debt and has been reported for a long time. Now its showing twice!! This is against the Florida statutes from what i understand as well as re-aging an account with no cause is also illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to dispute some errors I have found on my credit report. I have reviewed my report in detail and have identified several inaccuracies that I would like to clarify. 

First my current address is not the one that appears in your systems, but the report lists an old address that I no longer use. 

I have also noticed that there are certain errors, considerably affecting my credit report in a negative way. This account is already closed, but I am reporting late payments, which there is an inaccuracy of the dates, so I kindly ask that it be deleted from my history. 

This account was closed and paid in full, and at this time I am reporting negatively on XXXX. And it does not report to any other agency, which clarifies that there is an error in the report. 

For this reason, I kindly ask that this account be removed from my history which is found paid and closed. And it's only affecting me. 

I attach to this letter copies of documents supporting my claim that show that the data on my credit report is inaccurate. 

I ask that you conduct a full review of my credit report and take the necessary steps to correct the errors identified. I appreciate your attention and I look forward to your response as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax disingenuously responded on XX/XX/2021 to CFPB XXXX " ... Please be advised that an internal review was completed and results were mailed to you ... '' No internal review results were mailed to be received.
Product: Credit card

I 'm not able to use my Macy 's Amex credit card. After each purchase my credit card gets blocked and there is no way to verify my identity online or by calling. It 's been over 2 weeks since I 'm unable to use it. CSR are telling me I should receive " something '' in mail, but my mailbox is empty!
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and there is unauthorized inquiries on my profile- I have never applied for all the inquiries I have on my file. please see below - XXXX Inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION 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

Complaint Regarding Inaccurate Reporting by Credit Reporting Agencies XXXX XXXX  XXXX XXXX XXXX Account I am filing a formal complaint against XXXX, XXXX, and TransUnion regarding inaccurate information reported in my credit file. After reviewing my credit reports from these XXXX credit bureaus, I discovered several discrepancies related to an account from XXXX XXXX  for XXXX XXXX XXXX. Below are the details of the inaccuracies : XXXX. Discrepancy in Account Numbers : The account numbers reported for the XXXX XXXX  XXXX XXXX XXXX account are inconsistent across the XXXX credit bureaus. XXXX reports a different account number than what is listed by XXXX and TransUnion. 
XXXX. Discrepancy in Account Open Dates : TransUnion is reporting a different account open date for this account than the dates reported by XXXX and XXXX. 
XXXX. Discrepancy in Reported Late Payments : XXXX shows XXXX late payments, whereas both TransUnion and XXXX are reporting XXXX late payments for the same account. 
These inconsistencies constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( a ) ( b ) and Public Law 90-321 ( 82 Stat. 146 ), which mandates that consumer reporting agencies must ensure maximum accuracy in credit reporting. Additionally, under 15 USC 1681n, there is a {$500.00} penalty for each violation in cases of willful noncompliance by credit reporting agencies. Each agency has an obligation to follow these laws as part of their agreements with consumers. 
Furthermore, 15 USC 1681o states that any company negligent in failing to comply with the FCRA is liable for such violations. Also, 15 USC 1681s-2 specifies the duties of information furnishers to ensure that the data they report to credit agencies is accurate. This duty has clearly not been fulfilled in this case. 
The Privacy Act of 1974 ( 5 USC 552 ( a ) ( e ) ( iii ) ) also requires compliance with all U.S. laws related to consumer credit information. The errors described above violate both the FCRA and the Privacy Act of 1974. 
I request that the CFPB investigate these discrepancies and take the necessary action to ensure the immediate removal of this inaccurate trade line from my credit reports with XXXX, XXXX, and TransUnion. Additionally, I request that the CFPB enforce the imposition of fines of at least {$500.00} USD per violation, totaling {$1500.00} USD for the XXXX violations. I expect a timely investigation into this matter and a written response outlining the steps taken to resolve these issues. Thank you for your assistance and attention to this serious matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to dispute inaccurate and incomplete information on my credit report that you are required to investigate under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Despite previous attempts to resolve this matter, these inaccuracies remain unresolved and continue to harm my creditworthiness.

The inaccurate information includes : 1. [ List each specific item, e.g., Account with [ credito
r name ], Account Number [ XXXX ], showing [ inaccurate details like status, balance, or dates ]. ] XXXX. [ Additional items, if applicable. ] These inaccuracies directly violate FCRAs mandate that credit reporting agencies maintain reasonable procedures to assure maximum possible accuracy of consumer reports ( 15 U.S.C. 1681e ( b ) ). Furthermore, I am concerned your reinvestigation process has mirrored the deficiencies noted in the recent CFPB lawsuit, such as : Failing to conduct a reasonable reinvestigation of disputed items ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

Using vague or incorrect dispute codes that fail to convey the full nature of my dispute to furnishers, resulting in inadequate investigation and resolution.

Ignoring critical evidence I have submitted to support my dispute. 
Failing to provide clear and comprehensible results of your reinvestigation, leaving me unable to identify what, if anything, has changed in my credit file. 

Attached to this letter, I have included documentation supporting my dispute, including : XXXX. [ List documents, e.g., Bank statements, settlement agreements, payment receipts, etc. ] I demand the following actions : XXXX. A thorough reinvestigation of the disputed items. 
XXXX. Correction or deletion of inaccurate and unverifiable information. 
XXXX. Written confirmation of the reinvestigation results, specifying exactly what changes were made or why no changes occurred. 

I trust Experian to take this matter seriously and resolve it promptly, as required by law. Please complete your reinvestigation within 30 days and notify me of the results. If Experian fails to comply, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX