23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I presently have a loan with Cashcall, which was completed approximately 4 months ago. 

As interest rates have improved, I decided to go back to Cashcall for a refinance. After completing the necessary paperwork, I was told I had loan approval. In fact, I signed the loan documents with a notary. Loan number is # XXXX. 

After loan documents were signed, Cashcall indicated that XXXX and XXXX loan requirements had changed, stating that my Roth IRA account could no longer be used as qualified income, as I had used in the first loan. ( I submitted a letter from XXXX, showing the monthly distribution, which I offered this time as well ) After researching this " new '' requirement from XXXX and XXXX, I was unable to find anything online to support this statement. I believe this is untrue. 

XXXX XXXX and XXXX XXXX from Cashcall indicated to me that an automatic IRA distribution for persons over XXXX could only be used as qualified income. 

I notified Cashcall that I only have a Roth IRA, which does not require an automatic distribution. This is the same Roth IRA that I used for the first loan with Cashcall! I made numerous attempts to reach them, both in phone calls and emails, with no response whatsoever. 

I believe they are discriminating against me because of my age.
Product: Credit card or prepaid card

On the Internet, I saw a website where I could apply for a XXXX credit card. I filled out the application. I received a letter asking for my driver 's license and social security card or other identification. I sent a copy of my license and social security card, but he said that the back side of my social security card didn't show up weIl, and asked for a copy of my 1040 the first page, which has my wife 's social security number as well as mine. I sent a copy to Application for Miles and More Credit Card, XXXX XXXX. XXXX XXXX, XXXX, Delaware XXXX. I have not heard back. When I checked with XXXX online for progress on my credit card application, it informed me that there was no record of my application. I don't have a copy of the letter he sent me, or phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting negative items to XXXX, XXXX, EQUIFAX also violated laws 5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and 16 CFR 313.10 - Limits on disclosure of non-public personal information to nonaffiliated third parties. also15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Also15 U.S. Code 1691 - Scope of prohibition.
Product: Credit reporting or other personal consumer reports

XXXX promised to help build my credit score and if I got a secured card with Citi, after 1 year I could get unsecured and my payments suppose to be reported to credit bureau to help with my credit building. I have been with Citi for XXXX years and they have not approved me for a unsecured credit card as of yet.
Product: Debt or credit management

XXXX credit is reporting a balance of {$180.00} for a item/ line of credit that I didn't get. XXXX credit is not a real line of credit! they add trade lines to credit to raise the credit profile!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XX/XX/2019 and XX/XX/2019, I sent certified letters to Experian ( copies with proof of delivery attached ) requesting the removal of XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX, which are debt collectors, not creditors. I have never received any credit from XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX. To date, Experian continues to report these accounts without conducting a reasonable investigation and providing proof of the debt to me. I requested proof of the debt from Experian according to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and I have not received validation of any of these accounts. I don't know how Experian can continue to report a collection trade line without evidence of the debt. Experian 's actions are hindering me from obtaining a mortgage to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the inaccurate information on my credit report that has been reported by XXXX. According to all three credit bureaus, I was reported as 30 days late on XX/XX/XXXX, even though I did not miss any payment on this account. Furthermore, Experian and XXXX reported a High Credit of {$1200.00}, while XXXX reported {$1200.00}. Additionally, Experian and XXXX reported the Last Reported Date as XX/XX/2022, while XXXX reported XX/XX/2022. Lastly, Experian and XXXX reported the Date Last Active as XX/XX/2022, while XXXX reported XX/XX/2022. These inaccuracies have significantly impacted my life and financial well-being. 

I am requesting that you enforce the legal requirements of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) to ensure that the information reported by XXXX is accurate and complete. Specifically, I believe that XXXX has violated the following provisions of the FCRA and FACTA : Section 607 ( b ) of the FCRA, which requires data furnishers to provide accurate and complete information to credit reporting agencies, and to correct any errors upon notice from a credit reporting agency or a consumer.

Section 611 ( a ) of the FCRA, which requires credit reporting agencies to investigate and correct any inaccurate information in a consumer 's credit report, and to notify the consumer of the results of the investigation within a reasonable time period.

Section 312 of the FACTA, which amends the FCRA to require data furnishers to establish and maintain reasonable procedures to ensure the accuracy and completeness of the information they provide to credit reporting agencies, and to correct any inaccuracies upon notice from a credit reporting agency or a consumer.

Section 312 ( c ) of the FACTA, which provides immunity from liability for data furnishers that comply with reasonable procedures for accuracy and completeness of information.

Section 312 ( d ) of the FACTA, which authorizes the FTC to promulgate guidelines and regulations regarding the accuracy and completeness of credit information.

I want to emphasize how these inaccuracies have affected my life. As a single mother, I am constantly struggling to make ends meet and provide for my family. Having inaccurate information on my credit report has made it extremely difficult for me to obtain loans and credit when I need it most. I have been denied credit and loans due to these inaccuracies, which has caused me to miss out on opportunities and financial stability. 

In light of the violations of the FCRA and FACTA by XXXX, I respectfully request that the unverified account information be removed from my credit report immediately. I also request that XXXX takes corrective action to ensure that my credit report accurately reflects my payment history. 

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

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

XXXX  is reporting inaccurate information and according to the FCRA everything that is that is reported on the credit report must be 100 percent accurate. Looking at my credit report and a response from the debt collector there is 2 different open dates.FAIR COLLECTIONS & OUT states that the account was sent to their office on XX/XX/2017 but it is reporting on XXXX  that it was open on XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old account ( XXXX XXXX XXXX ), from 2012, that is still on my credit report. I disputed it with XXXX, and it wasn't removed. All XXXX keeps doing is saying that the updated the information. I disputed the information with ( XXXX XXXX XXXX ) directly and it was removed from XXXX. on my credit age, it shows 1year. Why is XXXX still showing that old account. This account should not be on my credit report. 

File number : XXXX
Product: Mortgage

NationStar Mortgage , LLC, bought out my mortgage from my previous lender in XXXX 2015 and in the process changed billing information on the account without my authorization, including setting up an impound account ( Escrow account ) and changing themselves to the billing recipient and payee of my homeowners insurance policy. When the renewal came due, I was not notified and instead Nationstar paid this on my behalf. Three months later, and without any form of notification, Nationstar is now covering this cost in my billing, with additional fees and an expectation that I will be paying another couple hundred dollars to pad the escrow account I never authorized. Every representative I 've called has told me something different and I 've spent at least 6 hours on the phone with them. I 'm not the first customer to complain about having to jump through hoops and their lack of communication and account manipulation ( look at their XXXX page ).
Product: Credit reporting or other personal consumer reports

This account was charged off on XXXX XXXX, then the dates of activity has been consinstanly keep updated the last active date XXXX XXXX, XXXX XXXX monthly on my XXXX, XXXX and XXXX we can not say this account is 100 % accurate. 
so it is demanded inaccurate, please delate this account from my credit report.
Product: Prepaid card

Its was my cash app account and I kept have unexplainable transactions accruing on my account from other users I had not authorized causing me to have to order two different cards to keep my account in good standings
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Original creditor : XXXX XXXX Account : XXXX, Balance : {$560.00} Date Opened : XX/XX/XXXX Status : Collection account. {$560.00} past due as of XX/XX/XXXX. 

This account was closed by creditor almost 10 years ago. Jefferson Capital Syst only tells me that debt is valid. They never provided and do no provide the original contract. They keep reporting it as a new collection account and I feel this is a fraudulent practice. 
They refuse to validate the debt, they refuse to remove it from my credit report and this is affecting my families livelihood.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXXXXXX BALANCED {$6500.00} XXXXXXXX XXXX XXXX BALANCED {$11000.00} - XXXX XXXXXXXX XXXX BALANCED {$5700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

" Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from midXXXX through XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' My personal information was confirmed to be compromised via their website, www.equifaxsecurity2017.com.
Product: Mortgage

Lakeview Loan Servicing LLC continues to contact me for payment while I am on a forbearance. They mailed me correspondence stating I was behind and had not paid my Mortage as required, while on a forbearance. I repeatedly receive automated calls to contact their company. I was told by the customers service representative that they could call during my forbearance and demand payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I m submitted a complaint against BECU as this credit union is careless about their customer 's problems. One of these issues that happened to me over and over is my online payment toward my visa payment for another credit union ( XXXX XXXX XXXX XXXX ). On XX/XX/XXXX, I tried to pay online ( {$50.00} ) towards XXXX XXXX XXXX XXXX  visa card & the closest date showed was XX/XX/2022. A couple of days later I checked my account & it said delivered on XX/XX/2022, but nothing took from my checking account with BECU. I contacted both credit unions. BECU told me it was sent a check between XX/XX/XXXX to XXXX to XXXX XXXX XXXX XXXX and it is delivered on XX/XX/XXXX to them. But XXXX XXXX XXXX XXXX believe never received the payment. I talked with a lot of people from both credit unions but until this moment ( over a month ) none help me to solve my issue and it is not shown to my account. It seems both credit unions are not caring about messing with consumer credit scores & credit reports for showing these visa card payments are late and used against consumers by their third party ( XXXX ) which has a very bad reputation for that. Both these credit union doesn't have an email for the consumer to contact about their issues & telephone line is a long wait ( over 35 min ). Also, BECU made a lot of mistakes for my other deposit & payment in their own system & I have to call them for over two weeks for fixing that. Also, I tried to change my address in different ways but I was not able to change it even online & they asked me just to fill out a form and send it to them by mail or fax which is not very comfortable. This credit union just makes everything difficult for their customers. They knew me very well and I answered all my securities for my info but they still ignored changing my address by phone or online.
Product: Credit card

A year ago I voluntarily Suspended my credit card account with Discover Card, in order to lower my interest rate. I have never been late. Always paid on time. I agreed to do this for a one year period. As of XXXX XXXX, 2016 I was supposed to be able to use my card again. Discover card REFUSES to release my card since they claim they have to see if I can still pay for the next few months at the new rate. This is not only ridiculous, but Illegal! I have been a Discover member for 20 years! I have never been late. I am a single woman and feel they are discriminating against me! They refuse to release me. Please look into this as soon as possible. They are re-dictating the payoff process..
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO dropped on my two XXXX cards. Called both card customer service # s and was told they did not have that information. One said Equifax was the reason. I called Equifax customer number and spent 30 to 40 minutes trying to get information on my report. Never got any answers just a parade of questions indicating they didn't have any information. This company made me feel that I had ingaged in mission impossible. Was is it so difficult for that actual customer to get this information XX/XX/19
Product: Debt collection

I am writing to formally lodge a complaint against Plaza Service for placing a collections account on my credit report without my knowledge or consent. I have never been notified by this company, nor do I have any agreement or business dealings with them. Additionally, I have never provided any personal or financial information to Plaza Service. 

The appearance of this collection on my credit report is completely unfamiliar to me, and I believe it has been illegally placed there in violation of the Fair Credit Reporting Act ( FCRA ). This unauthorized entry has caused significant harm to my credit profile and my financial well-being. 

I respectfully request that the CFPB investigate this matter and take appropriate action to have the collection account removed from my credit file as it is an inaccurate and unauthorized reporting.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Transunion transmitted To me on XX/XX/XXXX my score was XXXX so on XX/XX/XXXX I opened my sealed account to the public and applied for a loan at XXXX XXXX XXXX. On XX/XX/XXXX I recieved a rejection letter stating Transunion 's score was XXXX and denied my appapplication. I have not applied for credit since I purchased my XXXX XXXX in XX/XX/XXXX. My Transunion account had been closed for 3years because damaged my credit status so I kept it closed. 
I called transunion to verify that my score was in fact XXXX a customer rep verified it and said it was even higher now so I opened the account they lied to get me to open the account Thereby exposing me to credit rejection.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax credit report # XXXX appeared a fraudulent XXXX   XXXX XXXX account # XXXX opened on XXXX XXXX and a new address, also fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, PR.
Product: Debt collection

I was mailed an automatic payment option to sign and return of an agreed upon amount. I signed and returned the paperwork. Two payments were taken out of my account and then the money stopped being withdrawn. No one followed up or notified me about the missed payments. I found out that the money wasn't being paid because my credit score dropped 100 points. From XXXX to XXXX. I was struggling to communicate with the collector previously as I was working to find a payment plan that would work to pay off the XXXX $ medical bills that I accrued from routine care at the XXXX. The debt got sent to collections in the first place because I was told I received 100 % financial assistance from XXXX XXXX, but later I found out that XXXX XXXX, XXXX isn't covered under that, which is where my XXXX XXXX XXXX were taken to be examined due to XXXX ( a common XXXX ) that effects women. 

I had Several recorded conversations with XXXX XXXX in Billings EXT XXXX ( XXXX ) where I begged him to put me through to his supervisor to try and find a solution that could be established to resolve my debts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Address : My current residential address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX FL XXXX. I request that my current address be updated accordingly. 

XXXX. Date of Birth : XX/XX/year> XXXX. Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX. Employers : XXXX XXXX
Product: Credit reporting

I went online to request my credit reports ; Equifax stated I have to mail them my personal information such as a copy of social security card and my driver 's license through the postal service before they would release my credit information. The other XXXX failed to provide any information as their links were in-operable. XXXX XXXX did a report on their careless handling of the nation 's repository information and their inaccuracy. It prompted me to request my information because for the last six months I have been trying to get a job. I believe these XXXX are the sources of my pain. I am not comfortable sending my information through the mail and I should n't have to pay to send it express or registered mail. There so called credit repository are a disgrace to the nation and its citizens. Your organization should disbanned these XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX 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