23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On XXXX XXXX, XXXX and XXXX XXXX, XXXX I 'm requesting a reinvestigation of a dispute related to my credit. Unfortunately this dispute was not resolved as provided by law. Only was removed the account XXXX # XXXX****based on the XXXX and the Consumer Financial Protection Bureau ( CFPB ) settlement announced at XXXX, XXXX to resolve allegations that XXXX XXXX XXXX Bank XXXX known since XXXX XXXX, as XXXX Bank XXXX Other account with the same condition of the removed account, XXXX XXXX # XXXX, was not removed. I am also requesting that the information be updated immediately because is not done despite my multiple re investigation requests. This irresponsibility on part of the Equifax caused me several emotional, economic and job problems despite having few rights under the Fair Credit Reporting Act. As you requested, I, m enclosed additional relevant information that support this dispute.The XXXX and the Consumer Financial Protection Bureau ( CFPB ) announced at XXXX, XXXX a settlement to resolve allegations that XXXX XXXX XXXX Bank, known since XXXX XXXX, as XXXX Bank, engaged in a nationwide pattern or practice of discrimination by excluding XXXX borrowers from XXXX of its credit card debt-repayment programs. The settlement resolves claims by the department and the CFPB that XXXX XXXX violated the Equal Credit Opportunity Act ( ECOA ) by excluding borrowers who indicated that they preferred communications to be in XXXX or had a mailing address in XXXX XXXX from XXXX credit card debt-repayment programs. The agreement is a joint fair lending enforcement action by the department and the CFPB and is the federal government 's largest credit card discrimination settlement in history. Federal and State laws require that credit reports must be 100 % accurate, complete, and verifiable. I am concerned that you included the information below in my credit file in failing to maintain reasonable procedures to ensure accuracy in your credit reporting. As you can observe, the information was not properly investigated when I disputed those account in various occasions. Is your responsibility investigate and update the information as I 'm requested in the several disputed that I submitted to your credit agency. 

Another situation with those accounts is that the information reported by XXXX is completely inaccurate, and is a very serious error in reporting. As you can see, the provided information is incomplete or is incorrect. Is contradicts information in several areas of the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I wrote a letter to key bank asking to remove my account from XXXX XXXX, however they failed to respond and have not removed the account. The account was in a chapter XXXX bankruptcy over a year ago.
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX XXXX ) a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$890.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kindly review the following inaccuracies on my credit profile, and delete. 

Delete inaccurate employment information from my report : XXXX XXXX XXXX XXXX is not an employer i ever worked for. 


Delete address XXXX XXXX # XXXX, XXXX, IndianaXXXX from my report. I never lived at this address, and it shouldn't be reporting to my credit profile. 

Delete XXXX XXXX XXXX, XXXX XXXX, Indiana, XXXX for inaccuracy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX with the following account information is reporting to the Credit Reporting Agencies as a Charge off since XXXX of XXXX on XXXX with a status of Account charged off. {$32000.00} written off. {$26000.00} past due as of XX/XX/XXXX. However, I have not received a XXXX which Form 1099-C : Cancellation of Debt is required by the Internal Revenue Service ( IRS ) to report various payments and transactions made to taxpayers by lenders and creditors. These entities must file Form 1099-C if {$600.00} or more in debt was canceled or forgiven.

XXXX  is also reporting inaccurate and inconsistent information across the different Credit Bureaus which is a violation of the FCRA. 

The amount of late payments are different with each bureau. The status of the account is also different across each Bureau.

For Example, on XXXX, XXXX XXXX XXXX shows an original balance of {$36.00}, XXXX with a last payment date of XX/XX/XXXX but does not disclose the amount and a past due balance of {$26000.00}. On XXXX, XXXX reports no information from XXXX XXXX XXXX  but reports XXXX of XXXX as 30 days past due, XXXX of XXXX as 60 days past due, and XXXX of XXXX as 90 days past due. 
In XXXX, XXXX reports XXXX as 30 days past due, XXXX as 60 days past due, XXXX as 90 days past due, XXXX as 60 days past due, XXXX as 90 days past due with XXXX of XXXX being paid on time. In XXXX, XXXX reports XXXX as 30 days past due, XXXX as 60 days past due, XXXX as 90 days past due and as a Charge off beginning in XXXX of XXXX. 

On Equifax, XXXX Shows the date of the last payment in XXXX of XXXX in the amount of {$560.00}. XXXX reports no information from XXXX XXXX XXXX but reports XX/XX/XXXX as 60 days past due, XXXX of XXXX as 60 days past due, XXXX of XXXX as 60 days past due, and XXXX of XXXX as 90 days past due. In XXXX, XXXX reports XXXX as 60 days past due, XXXX as 90 days past due, XXXX as 120 days past due, XXXX as 90 days past due, XXXX as 120 days past due with XXXX of XXXX being paid on time. In XXXX, XXXX reports XXXX as 06 days past due, XXXX as 90 days past due, XXXX as 120 days past due and as a XXXX off beginning in XXXXXXXX XXXX  XXXX. 

On XXXX, XXXX reports remarks that read Charged off as bad debt|Profit and loss write-off. XXXX is currently reporting no payment history with a balance due of {$26000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX i send a dispute to Experian regarding missing and incorrect information on being reported to my credit report. XX/XX/ at XXXX my dispute letter was received by Experian and they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax offers a tool, in response to the breach that recently happened, that tells you based on your last name and 6 last digits of your SSN if you were affected or not ; I was told I was indeed affected by the breach. As such, Equifax has divulged my information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have bin a victim of fraud. currently on my credit report are 11 collections accounts I have no knowledge of and do not belong to me. Below I will provide the dates of these accounts. Collections account opened XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022 I filed disputes for public records and another account with documents showing inaccuracies in the information and theyre not doing a proper investigation of the accounts I will attach the documents I sent over showing this information. 

According to the law XXXX5 U.S. Code $ 1681a - Definitions ; rules of construction. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to. 
How did they complete this investigation. 

According to the fair credit reporting act 12 USC 1681. I have the right to privacy. 
Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.
Product: Mortgage

To Whom it May Concern, I had my mortgage with Ocwen loan services for over 7 years. While with them, I paid my Insurance and Taxes separerately which worked well. As usual, I paid the same for the rolling years XXXX. 

Earlier this year ( XX/XX/XXXX ), Ocwen was bought out by a company called PHH Mortgage, PHH automatically opened up an escrow account and denied me paying my insurance and Taxes separately. This has caused my mortgage to go up almost {$500.00}, When I contacted them multiple times they said I didnt qualify. It has also forced me into paying for already paid taxes and insurance ( Double pay ). 

Please help me, I can't afford the increase in Mortgage and I think its unfair for this company to just force me into escrow when I didnt sign anything with them and already agreed my way of payment with Ocwen. 

Above all, This new company has shown no effort whatsoever in helping me and seem not to care about my mortgage history. 

I really appreciate if you can help my out, I feel like a victim and feel exploited by PHH mortgage. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number 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
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately.

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had the absolute worst experience with this company during the past 2 months. First and foremost my account was disabled after I made several complaints without any sufficient reason. When I call about it I am given a standard generic response. My accounts were in good standing and paid in full and a few months in advance. I was told to double check my XXXX information and when I called them, they said everything I had was accurate. The address was then updated and yet I still could not process an application even after it says correct the information from your XXXX which was only an address they suddenly changed. After numerous emails I was told it was disabled and no longer can use their services and they could NOT provide a reason. I've had 5 loans and now I get this issue after several complaints and my account is disabled. You can not reach a live person unless you call from a # that is not registered with an account, if you call from a recognized # it is only automated with generic responses. Secondly, my credit report ( XXXX ) still has balances on all my account since XXXX of this year even though they are all paid in full since XXXX and XXXX. I've reached out several times and keep getting told the same generic information which does NOT apply to this situation. It's now XX/XX/XXXX and ALL the accounts still show on XXXX with balances and they should all be at XXXX. These accounts have not been updated on the consumer report since XX/XX/22 which is CLEARY over 1 1/2 months ago. It's ridiculous and poor service.
Product: Debt collection

Attached you will see payments made and you will see the balance owed. All you have to do is simple math and see that the balance owed shown is not actually the balance owed when you add up the remaining payments. You will also see that it's showing on my credit report that none of my payments have been made for the last several months when that is in fact wrong! If the CFPB does not require experian and XXXX to fix this then they are culpable and I will include them on my court documentation that will be filed tomorrow.
Product: Credit reporting or other personal consumer reports

This is to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
Please note that pursuant to the FCRA611, I am requesting a reinvestigation of the accounts listed below. Did you even investigate? There is no way you did because the information reporting is inaccurate. I have thoroughly reviewed and there's no way you did, otherwise you would have DELETED the false information below like the law states you must do. 
Please investigate the following accounts listed below as it is inaccurate and damaging my credit. 

XXXXXXXX XXXX XXXX  XXXX {$6200.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX {$1700.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  ) {$1400.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$550.00} US DEPT ED XXXX {$0.00}
Product: Checking or savings account

From my understanding I had an account with XXXX Fargo which I did not an to my surprise now that I was trying to open an account it not giving me the option due to me having a account that was open fraudulent an with thaT being said I'm not able to open an account I been victim of this so now I hVe to be on my XXXX XXXX to try to fix this situation that I shouldn't have to be going thru
Product: Debt collection

I sent off my letters to dispute the charges to the Creditor and Collection Agency for my repo. Santander never replied to my letter, they just updated my credit report. XXXX XXXX XXXX, the debt collection agency that bought my account, sent me copies of my contract from when I bought my car with XXXX XXXX and Santander. XXXX XXXX XXXX has sent me everything they have from my file with Santander. Now Santander violated the O.C.G.A. 10-1-36.

10-1-36. Disposition of motor vehicle repossessed after default ; right to recover deficiency ( a ) When any motor vehicle has been repossessed after default in accordance with Part 6 of Article 9 of Title 11, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer. The notice shall also advise the buyer of his or her rights of redemption, as well as his or her right to demand a public sale of the repossessed motor vehicle. In the event the buyer exercises his or her right to demand a public sale of the goods, he or she shall in writing so advise the seller or holder of his or her election by registered or certified mail or statutory overnight delivery addressed to the seller or holder at the address from which the seller 's or holder 's notice emanated within ten days after the posting of the original seller 's or holder 's notice. 
( b ) In the event of election of such public sale by the buyer, the seller or holder shall dispose of said repossessed motor vehicle at a public sale as provided by law, to be held in the state and county where the original sale took place, or the state and county where the motor vehicle was repossessed, or the state and county of the buyer 's residence, at the seller 's election. 
( c ) This Code section is cumulative of Part 6 of Article 9 of Title 11 and provides cumulative additional rights and remedies which must be fulfilled before any deficiency claim will lie against a buyer, and nothing herein shall be deemed to repeal said part. 



In which they never sent that letter. It is also shown with all the copies of paperwork they sent me that it was never sent. They sold the car and sent me the Explanation of Calculation and Surplus or Deficiency, which I still have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax stated they did not have information to take off the XXXX/XXXX  XXXX  inquiry off credit report. That was of a result of an attempted identity theft. There is a police report with the XXXX XXXX XXXX, it is report to FTC, and internet crime compliant center.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I mailed a certified return receipt letter Experian requesting an investigation into the matter of multiple inaccuracies. Payment statutes, payment history, past due balance, current balance, date open, date last active, date of first delinquencies, employment, telephone number and address information. I requested Experian to fix this and be reflected in the proper picture of my creditworthiness. I have yet to receive a response and a new credit report with credit score.
Product: Student loan

I applied for a private student loan for XXXX XXXX XXXX XXXX in XX/XX/XXXX from XXXX ( My Rich Uncle ), with my father as a cosigner. In XX/XX/XXXX I was informed by a friend that XXXX was bankrupt/out of business. Upon a check of my credit score and further research, I confirmed that not only was XXXX out of business, but the loan it represented was of mine and my parents ' credit reports completely, and I ( as well as my parents ) was no longer receiving mail from the company. I did not know who to make payments to. Around that time, my family home burned down and we were forced to move several times to several temporary homes and no longer received mail at the prior address. Again, I attempted to find my student loan lender and change my address or figure out who to make payments to, without success. Two years later, I found something new on my credit score, and found out the company XXXX bought out XXXX and I owed {$6000.00} in past due payments, and {$32000.00} in interest, bringing my original loan of {$20000.00} to over {$50000.00}. They will not work with me at all with the exception of making smaller payments, which just accrue more interest and prolong my loan payout schedule. I am filing a formal complaint against this company for this incredible breach of ethics. I am unable to consolidate my loans at this point due to the high debt-to-income ratio, no banks will even finance me.
Product: Debt collection

I have been trying to fix my credit and settle old debts. When I contacted the company that previously had this account, they advised me that they no longer had the account and that I had to now contact Tsarouhis Law Group. I got in contact with them to try to settle the debt which is old and figured they'd offer me a decent, manageable amount. The debt is originally from XXXX on XX/XX/XXXX. The last payment was made on XX/XX/XXXX. The amount owed is {$11.00}, XXXX. They offered me a settlement of about 80 % of the balance due which would be more than {$8000.00}. I told them that I do not have money like that. Then they offered monthly payments for the entire amount due. They said they would email me papers outlining the settlement offer. What they sent was some legal paperwork for me to sign admitting that I want a judgement against myself to be entered. I didn't receive any legal paperwork before so why would they send me this and why would I agree to this. In the past, when I have made a settlement on old debt it was for a much, much lower amount and I just received a letter from the company stating that the matter was considered settled. I called to ask about all the legal paperwork and they said there's a judgement that will be there against me. Then today they sent an email stating that if I did not make an initial payment that they are proceeding with legal action and the judgement. I don't know anything about a legal case or a judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/PPC-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX