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

I resided at an apartment complex from XX/XX/XXXX-XX/XX/XXXX. I was signed on to the lease a few weeks after the original leaser ( my roommate ). After graduation, I left the apartment complex a few weeks before my roommate, as I was moving out of state. I called the complex and confirmed with the apartment complex leasing department that the account had been paid in full. My roommate was issued a refund on her deposit, though the complex had taken money out of the deposit, she still received a refund. Although the account was paid in full to the apartment complex, I paid my roommate {$150.00} dollars to cover my share of what was taken out of her deposit and any final utilities. 

Fast forward two years, in XX/XX/XXXX, I received an alert on my credit regarding a collections account from XXXX XXXX XXXX XXXX. Considering the account was paid in full and that I, nor my roommate, had never been contacted by the complex via phone, email, mail stating there was now a balance due, I have no knowledge of the account, nor believe it to be a valid debt. As such, I disputed the collections with the credit bureaus. XXXX and XXXX deleted the account from credit report within 2 business days. XXXX refuses to. 

I submitted my initial dispute with XXXX in XX/XX/XXXX ( Dispute # XXXX ). It took over 2 weeks from them to return to me stating that they confirmed the account belonged to me. I called on XX/XX/XXXX to inquire about their finding. I explained the situation above and asked if they had obtained proof of the validity of the debt, such as a final bill. The rep told me that they just confirmed it belonged to me. I then brought up the fact that the other two bureaus launched a similar investigation and have since removed the account from my report and asked about why XXXX findings were different. The rep immediately changed his story and advised that I had not filled out the dispute correctly, hence the discrepancy ; however, he would submit a new dispute ( correctly ) on my behalf to get the account deleted for me. I asked how I completed my original dispute incorrectly, as I followed all of the online prompts, and he essentially told me not to worry about it, since he was going to submit the dispute correctly for me. 

The rep submitted a second dispute on XX/XX/XXXX that concluded with the same results as the first dispute on XX/XX/XXXX. He submitted the exact same information as my initial dispute, which resulted in the same findings - that the account belonged to me, when I specified that I wanted them to confirm that the debt was valid. 

Though this particular complaint is primarily for XXXX, the apartment complex in question has a reputation for doing this to previous tenants and probably be investigated as well. I have attached numerous complaints from prior tenants ; however, I understand if this is outside of the scope of the CFPB.
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. 

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 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 and list of Inquiries 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, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S| Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The outcome of a previous CFPB complaint against Ditech ( case # XXXX ) was that Ditech agreed they made an error by not including my PMI payment in my escrow analysis in XXXX XXXX, therefore this resulted in listing my monthly payment incorrectly, was told it was XXXX when in fact it should have been XXXX. I have been trying to get Ditech to correct their mistake since XXXX XXXX. XXXX XXXX, XXXX Ditech finally agreed they made a mistake and provided a solution to rectify the error, the issue is that they cant seem to follow through with their own solution. Per the compliant Ditech stated " Ditech 's records reflect that you currently have {$790.00} in XXXX, and your loan is due for the XXXX XXXX, XXXX installment. Along with the {$850.00} which is being waived, this will be enough to cover the XXXX XXXX, XXXX, installment and leave {$480.00} remaining in XXXX. Your loan will then be due for the XXXX, XXXX installment of {$1100.00}. You may apply the XXXX balance toward your next payment, in which case you would only need to submit {$680.00} for the XXXX XXXX, XXXX, installment. Otherwise you may have the remaining XXXX applied to principal ''. 
Due to my bankruptcy I can not speak to an actual Ditech rep but rather a 3rd party called XXXX Bankruptcy, who has no authority to make the necessary changes to my account and does n't seem to understand Ditech 's transactions on my mortgage. Per my phone call on XXXX XXXX, the rep and her supervisor still stated I was past due and they could not clarify with me why and stated I now have a balance of {$100.00} in XXXX, again they could not articulate why this was. 
Per Ditech 's proposed solution to THEIR error I followed through on my end by submitting a payment of {$680.00}. Based on what they said, I should now be current, with my payment due date of XXXX XXXX, XXXX. 
I did the simple math of how much I have paid from XXXX XXXX - XXXX XXXX versus how much I should have paid had I been told the correct payment amount : XXXX XXXX - XXXX XXXX - paid XXXX each month = XXXX. 
XXXX XXXX - paid XXXX XXXX XXXX - XXXX XXXX - paid XXXX each month = XXXX XXXX - XXXX XXXX - paid XXXX each month = XXXX These amounts equal {$12000.00} ( Amount I actually paid from XXXX XXXX XXXX XXXX. 
Had Ditech not made the error I should have paid XXXX each month, which would have totaled {$13000.00} XXXX amount I should have paid from XXXX XXXX XXXX ). 
So the difference between XXXX - XXXX = XXXX. 
Ditech agreed to waive XXXX so XXXX - XXXX = XXXX. 

I paid XXXX on XXXX XXXX, XXXX through Ditech 's website. Therefore I should no longer be past due and as of this moment my XXXX XXXX, XXXX should be due. 
I need Ditech to follow through with what they agreed and I need someone to understand my simple math as to what I paid versus what I should have paid and then subtract the amount Ditech agreed to waive and the amount I paid, per Ditech 's solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to cancel Lexington Law since XX/XX/ when I realized the payment was not what i discussed with customer service on the phone. I have paid a total of {$710.00} since with absolutely no luck in cancelling. 

Their online chat/text program does not work at all and I never receive a response. I have mailed a total of 8 signed letters to John C. Heath , Attorney at Law , PLLC, d/b/a Lexington Law Firm, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX with no response. I have also called customer service several times and they tell me the service is cancelled, however, i continue to be billed every month.
Product: Credit reporting or other personal consumer reports

I am writing to formally request detailed verification and documentation regarding the investigation process for a disputed account on my credit report. This dispute was submitted to Experian on XX/XX/2024, and was marked as verified on XX/XX/2024. Additionally, I request the immediate removal of this inaccurately reported account based on the Fair Credit Reporting Act ( FCRA ) Sections 611, 611 ( a ) ( 5 ), and 623 ( b ), Section 501.204 of the Florida Deceptive and Unfair Trade Practices Act ( XXXX ), and the Truth in Lending Act ( TILA ) 15 U.S.C. 1601. 
Disputed Account Information : Account Name : XXXX XXXX Report number :XXXX - **Section 611** : Under Section 611, I have the right to dispute inaccurate or incomplete information on my credit report and to request a thorough reinvestigation. 

**Section 611 ( a ) ( 5 ) ** : If the disputed information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or deleted promptly. 

- **Section 623 ( b ) ** : Furnishers of information are required to investigate the completeness and accuracy of the information provided and to correct any errors found. 

2. **Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) - Section 501.204** : - The reporting of inaccurate information may constitute deceptive and unfair trade practices under FDUTPA. Fair and transparent business practices must be maintained to prevent consumer harm. 

3. **Truth in Lending Act ( TILA ) - 15 U.S.C. 1601** : Truth in Lending Act ( TILA Section 1601 ) : Section 1601 of the U.S. Code ( 15 U.S.C. 1601 ) is part of the Truth in Lending Act ( TILA ), which requires the provision of accurate and transparent information in the terms and conditions of credit. This regulation reinforces my right to accurate and truthful reporting of my credit information *Dodd-Frank Wall Street Reform and Consumer Protection Act : * - *Section 1031 ( 12 U.S.C. 5531 ) : * The Consumer Financial Protection Bureau ( CFPB ) has the authority to prevent abusive practices by credit reporting agencies. 
- *Section 1036 ( 12 U.S.C. 5536 ) : * Prohibits unfair, deceptive, or abusive acts in relation to consumer financial products or services, which includes the obligation to correct inaccurate credit information
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am  filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion multimedia about inquiries that I dont recognize. I have called customer service and they are nothing but rude. Everytime I try to talk to them they tell me You cant dispute by mail or something that is not true. Twice a representative hung up in my face. The worst was the supervisor XXXX XXXX. There was another but I cant remember his name either. It has literally been over 3 mi this trying to dispute inquiries. Why cant the credit bureaus do their job professionally? I am sick and tired of being a victim because people wont do their job.
Product: Credit reporting or other personal consumer reports

Equifaxs dashboard incorrectly highlights that I have recent delinquency. No payments have been late since XX/XX/XXXX, aligned to the XXXX XXXXXXXX filing and dismissal XX/XX/XXXX. Equifax inaccurately reporting my payment status is harmful. 

A court appointed trustee completed the required account audit, which lead to eventual discharge as a result of on time payments to all creditors for a period of 5 years ( 60 ) months. 

Newest delinquent or derogatory payment status on your accounts is too recent
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent disputes letters to XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXX XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dismissedDispute all above are major violations lexis Nexis didn't remove my public records
Product: Credit card

Last XXXX XXXX, i bought a XXXX XXXX XXXX Console at Best buy store in XXXX California. When i was paying it with my credit card the sales guy told me theres a 20 % cash back on my purchase if i open a Best Buy visa Credit card. I was lured to apply for new visa card because of the 20 % cash back. The Price of the XXXX XXXX is XXXX i ask if how long to get the cash back, and he said in 2 to 3 weeks. But last XXXX i called Best buy customer service and ask why im not getting my cash back. I was planning to Pay it in full after i will receive my 20 % cash back. So i only paid {$150.00} when i received my first statement. I only found out that she said that i choose something about payment. I told only follow what sales guy what im gon na check in the Credit card application. I told her i already have Visas credit card with cash back too. So my complaint in Best buy she said that wasnt be told about the Promo. But until now no respond from Best buy. So im filing a complaint for scamming me. My credit went down a bit because of Applying of credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR MONTHS, I HAVE BEEN TRYING TO RESOLVE THIS FRAUDULENT ISSUE. AND I AM NOT SURE WHERE TO GO AT THIS POINT. I HAVE CONTACTED XXXX NUMEROUS TIMES TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REORT, I HAVE BEEN SENDING THEM MY IDENTITY THEFT REPORT. I HAVE ALSO CONTACTED XXXX XXXX   MANY TIMES BUT THEY HAVE NO ANSWERS FOR ME. I KEEP TELLING ME THAT I AM A VICTIM OF AN IDENTITY THEFT, I HAVE NO IDEA WHAT THIS LOAN IS ALL ABOUT OR WHAT AUTO IS ATTACHED TO. THE REPRESENTATIVE AT XXXX XXXX XXXX WILL NOT RELEASE MUCH INFORMATION TO ME, AND I AM STUCK BETWEEN XXXX AND XXXX. HONESTLY THIS IS RIDICULOUS AND NOT FAIR TO ME.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as a highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Below are the accounts I marked as inaccurate. 
XXXX XXXX XXXXXXXX Original creditor : XXXX Balance : {$4400.00} XXXX XXXX  Original creditor : XXXX XXXX XXXX  Balance XXXX {$420.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  Balance : {$2200.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX. XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$4400.00}
Product: Checking or savings account

Deposited a mobile deposit. Discover Bank took the deposit, theres no problem with the check. 3 days later it still hadnt been put into my account. So I called. They said there was a problem with their system, but they would honor the payments I made to other companies iff that check. I checked my account later in the afternoon, and they had sent payments back even though they knew it was their XXXX issues. So I called spoke to someone who had a baby in the top. With her. She was obviously working from home, and there is no way of knowing who else was in the room. Discover says they have no idea when it will be fixed and they are now intentionally hurting my credit and causing fees, with no end in sight.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach, and these inquiries are unauthorized. 
The following inquiries must be removed immediately : 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: Credit reporting or other personal consumer reports

Bank of America placed a hard inquiry on my credit report of unknown origin and type on XXXX. Can not get through on the phones to attempt to discuss with BoA. Only thing I can think may have been confusion as I authorized XXXX to perform a Soft inquiry only for prequalification, not a hard inquiry.
Product: Credit reporting or other personal consumer reports

Over 30 days ago, I sent letters regarding inaccurate and unknown things on my credit report. Up until this point, I haven't received any word or feedback from the consumer reporting agencies on the status of my disputes or complaints. I feel like I'm being ignored and my disputes are being taken lightly. In section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days is a reason to immediately remove those items from my credit report. It has been over 30 days, so they should be deleted promptly. I demand these accounts be deleted immediately. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. My name is XXXX XXXX. Any variation of my name besides that is not me and I demand it be deleted from my consumer report. The address that I live at is XXXX XXXX XXXX Any variation of that address that says otherwise is not correct and shall be removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX on my XXXX report and they would not let me reply back to the completed dispute to redispute the inaccurate information being reported to them! I could not.upload documents showing that the address for XXXX XXXX XXXX was invalid and that I have not received any response to my certified letters asking for documents bearing my signature showing that i owe XXXX XXXX XXXX {$840.00}!! Yet XXXX  and transunion verified the debt! I demand XXXX XXXX XXXX be deleted from my report cause they are reporting to the credit bureau invalid physical address!!
Product: Student loan

Being Sued by XXXX XXXX XXXX for Private Student loans owned by XXXX XXXX XXXX. These loans are included in the recent lawsuit brought by you, as XX/XX/XXXX-XX/XX/XXXX. I have protested that I do not own this loan and yet I have a conference meeting scheduled for XX/XX/XXXX at the XXXX County Courthouse for this loan. I am representing myself and this attorney says that XXXX said for them to go ahead with this suit. How can this be when a stipulation has been ordered? This is the result of a the email from Friday, XX/XX/XXXX. 

XXXX XXXX, I did receive some disclosures but they were included with a document that was titled answer to subpoena. There is a sample form for initial disclosures on the Colorado Courts website that may be helpful for you. 

Regarding your question about XXXX and the Consent Order. We have reviewed the account and the documentation that we have, complies with the consent order and we have been given authorization to move forward with this particular account. 


XXXX XXXX XXXX, XXXX. 
Attorney at Law XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX, Utah XXXX Toll Free : ( XXXX ) XXXX Direct Dial : ( XXXX ) XXXX Fax : ( XXXX ) XXXX This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with XXXX, Equifax and XXXX having incorrect information on my report from XXXX XXXX XXXX XXXX along with Chapter XXXX and Chapter XXXX in which I submitted letters from court to credit bureaus which they say was it was vertified, without giving me information on who vertified information on XX/XX/2021. It has been well over 30 days and i haven't received any investigation results.