23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


2. there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX XXXX Account Number : XXXX Delete this account. 


7. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 


10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CREDIT XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, please i have two hard inquiry XXXX/XXXX Inquiry from XX/XX/2018 not yet XXXX/XXXX Inquiry from XX/XX/2018 has Removed this two inquiry i Contacted XXXX Credit Dispute and i received letter from them in process to remove and TransUnion removed only one so i made this complaint to remove another one Thanks
Product: Credit reporting or other personal consumer reports

Experian has had my 2 XXXX loans posted from the beginning. Why did my score drop XXXX points from XXXX to XXXX in one day? 
I have made 2 payments already and not increased it but this is what is added to my report : Credit report changes Comparing reports from XX/XX/XXXX and XX/XX/XXXX COULD HURT The balance of XXXX accounts increased ACCOUNT INCREASED DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX COULD HELP The percentage of your accounts always paid on time has increased by 1 % COULD HELP Your credit utilization decreased by 3 % COULD HELP
Product: Credit reporting

Equifax lied to the CFPB earlier this month in claiming to have provided a copy of my credit report to me ( see CFPB Case number : XXXX ). 

Specifically, in response to the above referenced CFPB complaint, Equifax claimed that it sent me a copy of my credit report on XXXX XXXX, 2015. 

I have not received a copy of my Equifax credit report as of today, XXXX XXXX, 2015. Mail from XXXX takes 2-3 days to reach me.
Product: Mortgage

My mortgage was transferred Mr Cooper powered by XXXX XXXX to Mr Cooper on XX/XX/year>, and I was informed it was the same company but that it operated separately. My monthly payment remained {$1300.00} as it has been for several years. They increased my mortgage by {$33.00} under the premise that it was for escrow repayment of a check of approximately {$400.00} that was sent to me. I did receive the check but I wanted my monthly mortgage payment to remain the same, so the customer care advocate from Mr Cooper directly me to endorse the check over to them and mail to their address. I followed their directions but they never removed the extra $ XXXX charge. Over the course of four months, eight phone calls, and two escalation tickets to resolve this matter it has not been resolved. I was informed that it would be fixed on three separate occasions, and the {$33.00} would be removed and the money I paid reimbursed to me, but this never happened. I am now being told there is nothing they can do to fix this issue and the company apparently is not even reading the details of the three escalation tickets I filed online because I am receiving responses from them that do not even address the concern escalated, It has been several months and I have been patient. I want the {$33.00} removed for my account and the 8 months of this {$33.00} reimbursed to me ( {$260.00} ). Secondly and separately they are now escrowing an additional $ XXXX on my behalf without my request or consent. Their customer care advocate informed me three times that this escrow would be removed but it still not has been removed and it has been seven months. I have been a homeowner for 30 years and I have never escrowed. I have an A+ credit score. This is unacceptable and unprofessional, and if this matter and I truly appreciate your help to resolve this matter. Mr Cooper did not follow through with their multiple promises to resolve this matter.
Product: Debt collection

I requested a 1099 C numerous times and did not receive one. 


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

AMEX, a financial institution and furnisher of information, along with XXXX AND XXXX, consumer reporting agencies, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by AMEX, XXXX, AND XXXX being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. AMEX, XXXX, AND XXXX do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked.

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or ex
periences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. AMEX, XXXX, AND XXXX are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. AMEX, XXXX, AND XXXX have been willfully noncompliant by continually misusing my consumer report after I filed a complaint.

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Credit reporting or other personal consumer reports

I am fling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked inaccurate ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 
I also have a twin whose credit is somehow merged. Apparently he doesnt exist according to you guys and Ive been disputing that as well!
Product: Checking or savings account

I noticed two {$3.00} fees attached to interbank transfers I made. I have transferred funds between these two accounts many times in the past and have never been assessed a fee. When I brought this to the attention of an online rep, I was put on hold for over 10 minutes and then told that she could not help me. I asked for a supervisor to contact me. She asked for my phone number, which I gave her. No one ever called. So, to summarize, I was charged {$6.00} in bogus fees and no one at customer service could reverse them even though the rep admitted that were not appropriate charges. I got stuck on hold for a long time, told I couldn't be helped. It was suggested to me that I go to a branch. I suggested that a supervisor call me which I was promised. No one called. Looking at the amount of complaints from consumers against 5th 3rd, someone ought to step in and give these crooks some negative consequences. It's shameful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received an alert of a hard inquiry from COMENITYCAPITALXXXX. I do not recognize this company. I did not apply for any products. I did not give anyone permission to use my personal information to apply for any products. I tried to dispute this hard inquiry through XXXX and they have not resolved my issue and it is still on my credit report.
Product: Credit reporting or other personal consumer reports

My account has been frozen for a month now. I have funds in the account but can not access them. I signed up for another bank and found out Im on early warning systems because of XXXX XXXX. My account, even though frozen has no negative balance and has never been negative.
Product: Checking or savings account

STARTED SAVINGS ACCOUNT IN. IN XXXX OF MANY WITHDRAWLS STARTED COMING OUT OF MY XXXX XXXX ACCOUNT FROM CREDIT KARMA. XXXX XXXX XXXX XXXX AND MANY XXXX DOLLER WITHDRALALS. WHEN I TRYED TO STOP THEM RELEAZED THE PHONE NUMBER TO ACCESS ACCOUNT HAD CHANGED. XXXX TRACKED MY PHONE TO THE SAME AREA WERE THE MONEY WAS TAKEN OUT AT A XXXX STORE. AFTER MOUNTHS OF DISPUTES AND TRYING TO GET THE NUMBER OFF MY ACCOUNTTHE MONEY WAS GONE MANY CHECKS BOUNCEED AND OVER XXXX IN FEES. XXXX XXXX FILED COMPLANTS CREDIT KARMA REFUNDED AND 1 WEEK LATER THEY TOOK IT BACK. IT TOOK 4 MOUNTHS TO GET THE PHONE NUMBER OFF MY ACCOUNT AND CTEDIT KARMA KEEP DISCONECTTING PHONE CALLS. WE FILED POLICE REPORTS AND CONTACTED FDIC WHO IN TURN SENT US TO YOU.IM SENDING SOME OF THE PAPER WORK THAT SHOWS UNKNOWN DEVICE AND TIME STAMPS THAT ARE TIMES WE ARE NEVER UP AND ON ANY COMPUTER.THIS HAS CAUSED US TO CLOSE DOWN BECAUSE WE CAN NOT RUN CREDIT CARDS BECAUSE OF THE FRURDULENT ACCTIVITY.IT HAS ALSO CLOSED 3 CDEDIT CARDS OF ARES BECAUSE OF BOUNCED PAYMENTS. WE CAN NOT OPEN A ACOUNT WITHOUT PAYING XXXX XXXX A NOTHER XXXX ON TOP OF THE XXXX WE ALLREDY HAD TO PAY BACK TO KEEP OPERATING. THIS IS CRAZY TO STILL BE TRY TO GET THIS RESOLVED
Product: Credit reporting or other personal consumer reports

I am attaching a copy of the previous complaint # XXXX, I responded to the creditor stating that they agreed to a repayment/recalculation of debt via XXXX XXXX XXXX  ( a Consumer Credit Counseling Service XXXX XXXX XXXX states that I needed to make a minimum payment of over {$1000.00} when I signed up for XXXX  to keep the account from going to write off status. I was never told by XXXX or XXXXXXXX XXXX that even though we established an agreement with XXXX  to pay off the debt at a lower rate and a fixed lower monthly payment ; I was NEVER informed of {$1000.00} minimum to start. To be quiet honest, If I knew XXXX was going to ruin my credit and report this as a write off even though a contact agreement was established, I would have never paid them another dime. What is the point of a repayment plan if they make up the rules on their end and not tell the consumer? 

I am requesting again, a copy of the agreement established between XXXX and XXXX XXXX XXXX XXXX XXXX ) XXXX I am also disputing this again with the credit bureaus because XXXX likes to play games and wait to the very last minute to respond, and all they do is reply with " verified ''. This is my last attempt to obtain the copy of the contract before I proceed with legal matters.
Product: Debt collection

In letter, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I sent a letter to DISCOVER and requested for " VALIDATION '' of debt. They refused to send any valid information but the summary of an account. Yet, after many months, they refuse to settle the charges per the regulations.
Product: Credit reporting, credit repair services, 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 3 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 XXXX XXXX Balance : {$530000.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXXXXXX XXXX XXXX Balance XXXX {$0.00}
Product: Checking or savings account

I had a citibank checking XXXX and it wad set to be closed on the XXXX of XX/XX/year>. I called them and told them that my XXXX XXXX compensation was due to deposit in there on the first of XX/XX/year> They assured me that it wouldn't and that my check would go back to the XXXX XXXX  and the XXXX XXXX would deposit it into another checking account of mine. Well, city close the account and they ended up doing getting my XXXX compensation from the XXXX XXXX, which is XXXX XXXX XXXX XXXX and XXXX XXXX dollars, and they kept it in the account and it's still in there, and they will not give me my money. So this whole month I have been broke my phone 's about to be shut off. My daughter 's phone is shut off. I can't pay my bills. My kids are hungry. I'll live off that money every month and they have taken it from me and will not give me my money.Please help me thank you.
Product: Debt collection

received a letter from courts that I am being sued XXXX XXXX XXXX represents lvnv funding llc as successor in interest to XXXX would have been nice to know it was charged off then sold but straight to court we go
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from FedLoan Servicing dated XX/XX/XXXX. The letter was regarding a response to my request to have a portion of my student loans discharged  due to school closures. I was advised in the letter that I am no longer obligated to make payments on these loans. I was also informed that all adverse credit history associated with the loans that have been discharged that was previously reported will be deleted to each nationwide consumer credit agency. I am still waiting on this to happen. I filed a dispute with each of the credit bureaus XXXX, XXXX, and XXXX. At the beginning nothing was done. I then sent letters to each credit agency that included a letter from me as well as thee letter that was sent to me from FedLoan Servicing stating how the loans was discharged. The only credit reporting agency that removed the account from my credit report was XXXX. I just don't understand that if I submitted the correct documentation and one credit agency verified and validated what I sent in removed the account why couldn't XXXX  and XXXX? I thought and I have read that the credit reporting agency 's obligations just to name a few are : *Investigate any disputed credit information in your file, with very limited exceptions. 
*Correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of receiving notice of your dispute. 
*Refrain from reporting old credit information. In most cases, information that is more than 7 to 10 years old is considered old.the last obligation listed is due to me submitting disputes with all 3 credit bureaus for reporting accounts that are over 10yrs old that are continuing to report negatively that is still on my report that should have been deleted. I have been disputing this issue since XX/XX/XXXX and still nothing has been done. I was told that it was not over 10yrs old because the reporting company updated my account I advised each credit agency how can anything be updated when the company updated the information once I submitted the dispute, prior to that it is several accounts that are over 10yrs old and some are with inaccurate date of my first late payment but still yet no corrections no deletions. I have been fighting with FedLoan servicing, XXXX, and Department of Education concerning each of the loans that have been discharged but yet I am still receiving increase balance on my FedLoan Servicing accounts.
Product: Money transfer, virtual currency, or money service

My account was closed without a brief explanation on why and I had about XXXX on there. Later the virtual robot stated to file an appeal. The date it was closed was around XX/XX/2023. I filed the appeal and never heard anything back in a 30 day time frame that they promised. They told me to verify my identity. I had to send a picture of my ID and take a selfie. Later stated my identity couldnt be confirmed.
Product: Debt collection

Got what I thought was scam calls turned out to be another collection agency on or around the XXXX of XXXX. I called XXXX solutions who had the debt. They claimed they called and left voicemail but when I called XXXX XXXX to check and look at my phone records and voicemail nothing from them. I called back to ask why they didn't send an email notification or letter about the issue. They claim they couldn't reach me via phone from end of XXXX to XXXX. They where rude and unwilling to provide any proof. Not only did there lack of communication cause me financial stress but emotional stress. I suffer from XXXX and the way this company works does not fall under the WA state fair debt collection. They failed to give me proper notifications. Had they sent an email or letter about payment issue as I checked my bank and have no declined transactions from the times they claim. Now a new company that has it wants {$1200.00} down and XXXX a month. My payments to XXXX where {$150.00} as I support my wife and daughter. As you can see now I either have to come up with that or settle for {$26000.00}. Both of which I can not do because of my income. Hopefully I can work something out with this other company. XXXX really did nothing to notify me about any issue with my account and could care less when I was asking questions to clarify what happened on there end. Agian no letter, missed calls or voicemail left on my phone which is the proper way to notify. I have always been willing to work with them until they did this. The person I spoke to from XXXX about this said they have multiple numbers they call from so she couldn't give me a specific number. I have two of probably a dozen numbers they have so it's already hard to contact them with the correct number let alone department. Extremely unprofessional and agressive. I had planned to settle the debt with XXXX solutions at the end of the year but now I'm starting over agian.
Product: Mortgage

My mortgage company sold my mortgage but failed to make the required tax and flood insurance payment as required by law. My taxes are late and interest is being charged and my flood insurance has lapsed. This is especially distressing as a XXXX victim. I currently am not covered for flood and only found this out because I received a late notice from my municipality regarding my taxes.
Product: Debt collection

XXXX XXXX ( gym ) emailed me that I was past due on {$290.00}. They provided a link to see an itemized list of what was owed. I copied that list, reviewed my bank statements, and found that I paid those charges. When I submitted the redacted bank statements, XXXX said the past due amount was actually due to membership fees that were past due. I have a copy of what the original itemized statement listed, which they denied. ( I can provide the printed screenshots ). 

When I looked at the past-due membership fees they claimed I owed, they were for months after I canceled in XX/XX/XXXX. You can see that I was not charged for several months, and then, apparently, they resumed charges without my permission and without informing me. 

Then, they sent their claim to ALDOUS & ASSOCIATES. I received notification from them via email and the postal service that I now owed {$400.00} and that I would be reported to a credit agency unless I paid the amount due or submitted a dispute by XX/XX/XXXX. 

I gathered all the redacted bank statements, copies of the original itemized list, and a letter outlining the issue and sent that dispute via USPS on XX/XX/XXXX. USPS stated it was delivered on XX/XX/XXXX, at XXXXXXXX XXXX local time. On XX/XX/XXXX, ALDOUS & ASSOCIATES refused to acknowledge receipt and claimed it could take up to a week before it was received. XXXX week from today is the deadline they gave for the dispute. 

Despite proving to XXXX that I did not owe this money, they continue to insist that I owe a balance of {$290.00}. Similarly, ALDOUS & ASSOCIATES, after receiving my dispute, still claims that I owe {$400.00}. This situation feels deeply unfair. 

After spending hours, which could add up to several work days, dealing with both XXXX and ALDOUS & ASSOCIATES, I am disappointed to find that all they have done is increase the balance they claim I owe. This lack of progress is disheartening.