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

XXXX ; Experian  and XXXX are not investigating the lates reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of lates and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report attached shows the following accounts are not in dispute when in fact they should be reporting that they ARE in dispute. The accounts are as follows - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these lates and to report these accounts in dispute however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the Company Names and Account numbers listed below has violated my rights. 

account number XXXX XXXX XXXX XXXX {$820.00} XXXX  XXXX {$2100.00} XXXX XXXX XXXXXXXX {$930.00} XXXX XXXX XXXXXXXX {$840.00} XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions Also, listed below are two accounts ( * ) that were ( inaccurately ) listed twice on my credit report.

[ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit card

After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed unauthorized inquiries on my Equifax report and provided this information over to the reps, and managers at Equifax over the phone. I mentioned to them how I was aware that according to the FCRA, legally these unverified & unauthorized items MUST be removed but instead they said they DO NOT and WILL NOT remove any inquiries and gave no reason as to why. The other two bureaus investigated and removed the unauthorized inquiries yet Equifax still refuses to do anything about this. I am in the process of applying for home loans and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. Below are the creditors and dates the inquiries were pulled : XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian on XX/XX/year> for items that are on my credit report and do not belong to me. I requested a copy of the original purchase agreement for these items as well, since that is my consumer right to request these items. I received an alert today XX/XX/year> that the dispute had been done and the items were verified as correct and would not be removed from my report. I have not received any mention of my request for the purchasing agreement for these items and now I want to know what steps they actually took to verify this information in less than 5 days that included weekends. I want all documentation that pertains to these items.
Product: Mortgage

I have made several payments that instead of going to principal, have been applied to future mortgage payments. I am currently paid off until XX/XX/XXXX. I called on XX/XX/XXXX to fix this issue, and I called again on XX/XX/XXXX, and I called again on XX/XX/XXXX. I would like this money to be applied to my principal. 
Currently, I am being charged interest on money that Caliber Home Loans has, but refused to credit to my principal balance. 
According to my bank account, I should owe {$1100.00}, but current balance is {$2600.00}. Caliber Home Loans acknowledges this error, but hasn't done anything to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I open an account with XXXX in XXXX and it went delinquent in XXXX. This was placed on my credit report in XXXX. I was contacted by diversified consultant about paying this account but they were never willing to negotiate. Now a new collection debt agency has taken over the account and reported this to the credit report bureaus as an account that went delinquent in XX/XX/XXXX. This has affected my XXXX XXXX and I need them to report this information correctly to all Credit Report Bureau. 

The account with XXXX was opened in XXXX and it went delinquent in XXXX not XXXX.
Product: Credit card or prepaid card

I used my credit card as defined under 15 USC 1602 ( a ) ( I ) to extend myself credit via a U.S. Bank Signature XXXX credit card. I received an adverse action letter from U.S. Bank on XX/XX/2022 reference # XXXX. This detail was a clear act of discrimination pursuant to 15 USC 1691 ( a ) ( 3 ). In good faith, I exercised my right to extend credit as a consumer, AND a creditor and I was denied for no specific reason. U.S. Bank also violated 15 USC 1602 ( a ) ( p ) because you used my credit card with no apparent authority, and I the cardholder and consumer received NO benefit. U.S. Bank mentions the Equal Credit Opportunity Act in this adverse action letter, but violated those very same laws. U.S. Bank is now criminally and civilly liable under 15 USC 1611, 15 USC 1640, 15 USC 1691e. On XX/XX/2022 I sent a letter to U.S. Bank to let them know what laws were broken and what resolution I am expecting to come from this matter. I received a green receipt that this letter was picked up on XX/XX/2022 and am waiting on a response from U.S. Bank.
Product: Credit card or prepaid card

I contacted the Citi card company when I couldnt log into my account and realized I had lost my card. My initial request XX/XX/XXXX was sent to a different address than requested which caused further delays. I contacted again on XX/XX/XXXX and was assured the card would be sent expedited shipping. I have not received the card as of XX/XX/XXXX and now have a late fee because I could not log in to pay. I have also found out that the representative never sent it via expedited shipping. I was never once offered the option to pay via the phone on any previous attempt until when I called today XX/XX/XXXX and they tell me I have a late fee to which I am requesting to be waived. I want no one to experience this incompetent company.
Product: Checking or savings account

Bank of America deducted {$470.00} from my checking account and sent it to an unknown payee. The check was supposed to be sent to my HOA but instead, it was sent and cashed by someone unknown to me. BOA is supposed to send me an affidavit for signature so they can release the funds back to my account but they have not. I have called them several times and they keep stalling the process. It has taken me several times to get any response out of BOA.
Product: Checking or savings account

I XXXX XXXX, I have been unaware of these XXXX printed checks, under my account on Wells Fargo and notified, Wells Fargo ; as soon as I found them on my account history. I have delt with a terrible experience in regards to Wells Fargo assisting in these Fraudulent and tragic losses, I've obtained. I have unfortunately had a recent other encounter with them that made me investigate the status of these checks. I have already previously addressed this and from what the bankers have told me on the phone and even via mail, this is completely illegal. 
Honestly, it's purely evil. I don't even recognize the company name and would never give anyone knowingly access, to print checks on my behalf. These checks have now backdated for at least a year of this company printing checks that I apparently signed without my knowledge. When I was notified that these checks were printed, I was disturbed, because I don't even use checks. I've only used a few once in a blue moon for rent, for my company and the move I made. 
I am signing an affidavit to attach some of these XXXX checks for your reference. I have just became aware that I can utilize your assistance for the issues pertaining to Wells Fargo. Even if its just as mediation ; to a honorable outcome. 

Wells Fargo keeps prolonging communication with me and or completely ending the call, whenever I answer to address this matter. Please help me escalate this because it has been fat too long and I have suffered tremendously from this loss in my company and the way in which Wells Fargo has handled the situation really doesn't make sense. They denied the most recent check claimed but paid out others? Told me I was denied, due to timing. Which again, wouldn't make sense then that I would be paid out for the older checks? Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Republic Finance is reporting a debt on my credit file that i do not owe. I recently checked my credit and noticed this debt on my credit file, I called immediately and paid the debt off. I never received any phone calls or any collection letters or notices about this debt and I'm pretty sure this violates my 30 day right to dispute.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check this account ( A ). It is unacceptable to list this account as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the erroneous information on my credit report : XXXX  XXXX Balance : {$31.00}
Product: Student loan

I have a previous complaint with this company and they relayed a partial amount. I spoke with someone at the company and they told me it would still be coming to my bank but couldnt give me any confirmation that was true. It has been over a month since I spoke with them and I would like my remaining XXXX $ still not repayed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to start building my credit because I am close to the age where I want to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card i applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown item that do not belong to me. Please remove these fraudulent items from my report. US DEP ED XXXX {$11000.00} XXXX XXXX {$610.00} XXXX  XXXX {$460.00} XXXX  XXXX {$570.00} XXXX   XXXX {$1000.00} XXXX XXXX {$390.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$150.00} XXXX XXXX   XXXX {$510.00} XXXX  XXXX / {$8900.00} XXXX XXXX XXXX
Product: Mortgage

LOAN : XXXX XXXX County SunTrust Mortgage was PAID XX/XX/2006 - the Mortgage was sold 16 Years ago. 
SunTrust Has failed to File a satisfaction and release for 16 Years ago and should be fined for damages. Any lender which has sold the Mortgage and it's NOT even the servicer, must file a satisfaction and release within 30 Days. 
SunTrust Mortgage should have satisfy : Upon full payoff of the mortgage from another, and here with I the mortgagor demand of the mortgagee that satisfaction be recorded. The mortgagee had 60 days from the date of the sale without recourse to comply, or face liability. Marginal Satisfaction : Not allowed. 
SunTrust Mortgage should face penalties and In the case of a civil action arising out of the failure of the mortgagee to properly record, within 30 days of demand, a satisfied mortgage, the prevailing party shall be entitled to attorneys fees and costs, and shall be guilty of a misdemeanor of the second degree. 

Once a mortgage or deed of trust is paid and sold, the holder of the mortgage is required to satisfy the mortgage or deed of trust of record to show that the mortgage or deed of trust is no longer a lien on the property. 

The general rule is that the satisfaction must be in proper written format and recorded to provide notice of the satisfaction. 

If the lender fails to record a satisfaction within set time limits, the lender may be responsible for damages set by statute for failure to timely cancel the lien. 
Depending on your state, a satisfaction may be called a Satisfaction, Cancellation, or Reconveyance. A satisfaction is where the former holder of the mortgage records and files with the office of the clerk a satisfaction on the face of the the recorded mortgage, which is attested by the clerk. 

SunTrust Mortgage was paid 16 Years ago, does not have a mortgage or note. 
The recording of a satisfaction is to be made forthwith or be held liable for all the damages!
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit and noticed i have fraudulent accounts listed. Please remove these accounts from my report. it's affecting my ability to obtain credit
Product: Credit card or prepaid card

Went in and make payment on account and bought it down to {$5.00} and somehow there payment was not applied and still showed a balance what went 30 days over. I have call the company and they are not compliant with my request and it is now showing me 30 days late which I have never been.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporter act XXXX  acct # 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 states a consumer reporting agency can not furnish your account without my written instructions
Product: Debt collection

On XXXX XXXX, 2017 XXXX XXXX XXXX placed an account for the amount of {$5900.00} on my credit report in violation of the Fair Credit Reporting Act. XXXX XXXX XXXX failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account XXXX XXXX XXXX is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
Product: Debt collection

XXXX XXXX XXXX Amount Owed : XXXX XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Investigation and Correction of Inaccurate Late Payments on My Credit Report Dear CFPB, Following your agency 's completion of the investigation as outlined in this complaint, I am writing to request a detailed description of the investigation process followed by Equifax regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

I recently reviewed my credit report and noticed that my XXXX  XXXX account includes inaccurately reported late payments. I have consistently paid this account on time, and there have been no late payments. As a credit reporting agency, Equifax is required to report all information with complete accuracy. Therefore, I am requesting that you investigate this account and update the payment status to reflect timely payments. 
Summary of Errors and Discrepancies : In reviewing the payment history, I have identified discrepancies in reported late payments that do not match my actual payment record : Equifax reports a 30-day late payment for XX/XX/year>. 
XXXX and XXXX report a 30-day late payment for XX/XX/year>. 
These entries are incorrect and negatively impact my credit profile. According to my records, all payments were made on time, and no late payments should appear on this account.

Legal Basis for Dispute : Under the FCRA ( 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ), my consumer report should not contain information that inaccurately reflects my payment history. Inaccurate reporting of late payments is a violation of the FCRA and misrepresents my creditworthiness. Additionally, sections 15 U.S.C. 1681i and 1681s-2 mandate that credit reporting agencies, including Equifax, correct any inaccuracies or incomplete information to ensure maximum accuracy. 
Requested Action : I request that Equifax conduct a comprehensive investigation into this account and remove the inaccurate late payment entry to reflect my accurate, on-time payment history. 
Please provide a description of the procedures used to verify the accuracy of these entries and confirm the removal of these inaccuracies in writing within 30 days of this complaints submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the corrections within the timeframe mandated by the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

Hello! My student loan was forgiven in XXXX or XX/XX/year>. I've been monitoring my credit score since then, and it has not changed -- it still shows the balance, XXXX  months later. My service provider was MOHELA, and I realize there have been many problems with them along these longs. But I'm hoping you can still help me. Thank you!
Product: Credit card or prepaid card

My mother open a credit card account in my name using my social security number the account was opened up in XXXX an it says I owe them XXXX dollars but I never applied for this card before an it destroyed my credit I need it removed from my credit
Product: Credit reporting or other personal consumer reports

Due to the XXXX versus XXXX court case all records of my student loans were to be taken off my credit reports by XX/XX/2024. TransUnion has refused to remove these from the report. Attached you will find the letters confirming I am part of the court case and that these accounts were to be removed from all my credit reports.
Product: Student loan

I was a student at XXXX XXXX from XXXX to XXXX. I still have a student loan to pay at Navient. This has being going on now for over twenty years. Navient is now transfering the loan to a new company XXXX. I want this student loan to end and get it dismissed! 

I still owe about {$15000.00} dollars after years of paying it off. Can you help me? 
I am now approaching retirement age and I would like to use that money for my savings. 

Sincerely, XXXX in California
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

1. XXXX  XXXX Account Number XXXX in the amount of {$440.00} 2. XXXX XXXX Account Number XXXX in the amount of {$4800.00} 3. XXXX XXXX XXXXXXXX Account Number XXXX in the amount of {$840.00} XXXX XXXX XXXX XXXXXXXX in the amount of {$1400.00} 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 an account without my written instructions
Product: Credit card

A payment was issue or authorized by myself, to be payed on XX/XX/2017, for XXXX dollars for a credit card payment to XXXX. Another advanced payment was authorized by myself on XX/XX/2017 to pay Citizens Bank Credit Card XXXX dollars. 
Citizens Bank took the XXXX dollar payment and payed themselves " citizens credit card '' on XX/XX/2017 and then failed to pay XXXX which then caused a " late-payment fee '' because of the delay. 
I have no trust in the Citizens bank because this is the second time this has happened and caused me fee 's. 
I need for the commission to investigate and catalog these actions by Citizens Bank because they have no remorse for their mistakes.
Product: Checking or savings account

XX/XX/2022 contacted chime to report XXXX XXXX chime card was stolen. XXXX is detained. XXXX filled out POA for finance so XXXX XXXX could resolve stolen chime card issue. On XX/XX/XXXX XXXX XXXX contacted Chime on Behalf of XXXX XXXX. XXXX XXXX provided proof of POA for finance. Requested account be frozen. Chime Requested photos of XXXX XXXX and XXXX XXXX to prove that he is POA for finance. XXXX from Chime member services replied. We have copies of email and copies of documents sent to Chimes fraud department. Thursday XX/XX/XXXX XXXX sent Email to fraud department because he had been trying to freeze account since XX/XX/XXXX when it was discovered that someone stole XXXX 's Chime card. XXXX emailedthem regarding {$3600.00} was stolen since we attempted to report the chime card was stolen..XXXX thanks XXXX via email and stated they would follow up. XX/XX/XXXX once again XXXX emailed to provide proof of POA for financial per request of chime. XX/XX/XXXX XXXXXXXX from chime Requested photos of XXXX XXXX and XXXX XXXX and copies of POA. Copies of POA and photos submitted. XX/XX/2022 XXXX member services specialist thanks XXXX and stated that they would review the documents. XXXX XX/XX/2022 XXXX contacted XXXX. He is from the chime escalation team. We want XXXX 's XXXX $ returned. We want a statement of charges to give to the police.
Product: Credit reporting or other personal consumer reports

I have sent Equifax several FTC identity reports XXXX XXXX XXXX and they responded via phone call stating they put a BLNK message and block on my credit file with no written consent or request from me. They are blatantly violating my rights and choosing to leave fraudulent items on my credit. Even though my driver license has been attached to a cfpb complaint in XXXX XXXX XXXX they continue to be negligent and claim they have not received a copy of my id. I have sent them my id at least 4 times in the last 12 months yet the still claim this is insufficient, most recently it was sent XX/XX/2025. Equifac uses shadow practices under the disguise of polices and Guidelines to continue to profit off of negative fraudulent items on my credit report. Equifax needs to stop committing fraud and violating my rights remove the BLNK from my credit file while makes it inaccessible and my not eligible to obtain any credit unless they say so. This has been one of the hardest times of my life and I feel like I have no help versus this XXXX dollar company who has my life in their hands.