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

I am submitting this formal request to dispute inaccurate credit information appearing on my report. As a survivor XXXX XXXX XXXX I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have the following derogatory items removed from my credit file. A previous dispute letter was submitted along with a police report supporting my claim. 
Disputed Accounts : XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$960.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$9000.00} Under FCRA ( 15 U.S.C. 1681c-2 ), survivors XXXX  XXXX XXXX are entitled to have negative credit information resulting from their victimization removed from their credit reports. I am formally requesting that TransUnion process the removal of these accounts in compliance with this law.
Product: Debt collection

I received a notification that they allegedly owned alleged debt of mine. I responded within 30 days letting them know that I did not owe anything and to stop harassing me. They continued to harass me without any attempt at showing the debt was valid. 
I told them, yet again, that I didn't owe anything and the other person let me know that he didn't actually care if I owed money or not, he was just looking to extract money from me. Now, they're showing ownership of the alleged debt, with a date that clearly indicates that they were harassing me before they even owned this alleged debt.
Product: Mortgage

XX/XX/2016 our home loan was sold to Specialized Loan Services, and in the 8 months they 've owned the loan SLS has twice claimed not to receive our monthly payment. They 've been difficult to work with when we attempt to resolve the matter. In our nearly 20 years of making monthly mortgage payments, by paper check and electronically, we 've never had one lost. Our credit rating is excellent. 

When SLS claimed our XX/XX/XXXX check had n't arrived in their XXXX processing center two weeks after we mailed it, we stopped payment on the check and paid to wire the funds. After several phone calls, they agreed to waive the late fee. Now the same thing has happened again. We mailed the XX/XX/XXXX check XX/XX/2016. This time, SLS acknowledged the barcode on their payment envelope was processed by the post office on XX/XX/2016, but insisted it had n't arrived at their processing center by XXXX. We wired the XX/XX/XXXX payment yesterday ; our credit union shows the funds have been delivered, but our account on the SLS site still shows the XX/XX/XXXX payment as unpaid. 

SLS admits pay envelopes are n't scanned into their processing center, so that there is no way for them to know whether a check that arrived in their mail room was lost on the way to Accounts Payable. Reaching a supervisor is made intentionally difficult, as they are generally not available in real time when the CSR ca n't solve a problem, and the supervisor call-back delay is claimed as 24 hours, but has been longer for us. Even when promise of a late-fee waiver is made by a supervisor, the company forbids confirming that promise by email or any other trackable means, and you have to follow up with them by phone repeatedly. In addition, the SLS website has very long load times, which may be intended to discourage customers from pursuing complaints. 

Given the poor service and lost checks, we now do n't know whether to trust SLS 's claim that increased escrow requirements are the actual reason for the increase to our monthly payment. As soon as our loan was sold to SLS, the monthly payment increased XXXX %, with " escrow deficit '' given as the reason. 

Our excellent credit ratings stem from years of paying bills on time. We have paid several different mortgage lenders by mail and electronically over the past 18 years, and have never had a problem with payments being received and acknowledged until SLS purchased our loan. 

SLS shows no accountability. We do not trust SLS with access to our bank account through Bill Pay. We therefore feel stuck waiting for SLS to receive every month, forcing us to wire the funds every couple of months and check the account online daily to ensure funds are received and recorded.
Product: Vehicle loan or lease

I never received the deficiency notice or any notice about if the car was sold. Please provide me with all the documents you have pertaining to Account # XXXX 1.The Original Contract 2. Full Payment History 3. The Notice of Default 4. Notice of Sale 5. Explanation of calculation of deficiency 6.All statements 7. Copy of gap and or warranty check if applicable 8. Receipt of tow & storage if applicable
Product: Debt collection

I received an email from XXXX ( an email address which I do not have in my contacts ). on Tuesday, XX/XX/year> at XXXX PM with an attachment advising me that : " your XXXX for billing : XXXX '' was over due. 
The attachment was an invoice from PayPal with a phone number XXXX and an XXXX XXXX of XXXX. 

The attachment read : your order has been successfully placed and the purchase receipt will appear on your account within the next XXXX hours. The amount of USD XXXX has been charged to you and will be debited from your account. 
XXXX XXXX XXXX XXXX XXXX for all devised {$550.00} - Transaction Fee {$25.00} Total {$570.00} Payment will be auto-debited from my XXXX, please note that it XXXX take a little while for the charge to appear in the recent activity.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

I recently received a copy of my credit report and found that you are illegally reporting in accurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE OF {$180.00} XXXX XXXXT ( COLLECTION ACCOUNT ) DATE ( XXXX XXXX ) XXXX XXXX XXXX {$3300.00} DATE ( XXXX XXXX ) XXXX XXXX XXXX XXXX  BALANCE {$7600.00} DATE ( XXXX XXXX ) This is violation of the FCRA and is also in violation of requisite METRO 2 Complaint Reporting Agency standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA METRO 2 COM : LAINCE regulations. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate compliance and verifiable. I demand that these above-mentioned derogatory items BE REMOVED.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate this account from XXXX XXXX XXXX XXXX XXXX, However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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: Mortgage

It appears XXXX XXXX left the mortgage business in XX/XX/XXXX. Our mortgage was transferred to Shell Point/New Penn/NewRez- the company has changed names three times since XX/XX/XXXX. For the sake of this communication we will call the company by current name, NewRez. 

We had been processing our loan payment monthly but beginning XX/XX/XXXX began sending money weekly on Fridays. NewRez incorrectly processed the hazard/home insurance payment in XXXX XXXX in the amount of {$7300.00} instead of {$3600.00}, NewRez ignored the home portion and paid the full insurance bill that included our auto policy. NewRez re-calculate the Escrow for XXXX based on this incorrect amount and increased the monthly payment due by from {$2700.00} to {$3500.00}. It took from XXXX through XXXX to work through this incorrect payment and what happened. It was myself and the insurance company ( XXXX ) that proved to NewRex the error. 

The monthly loan amount due was finally corrected once NewRez updated the Escrow, we still have not received the XXXX Escrow Analysis. We began sending weekly payments on XX/XX/XXXX in the amount of {$690.00}. As of XX/XX/XXXX, NewRez has received 38 weekly payments totaling {$26000.00}. See attach documentation of these payments from XXXX XXXX. The monthly payments from XXXX was {$2700.00} and from XXXX should be {$2800.00}. Our account should reflect we have {$1000.00} towards XXXX payment. NewRez needs to accurately reflect the monthly payments and the account will be updated. We also should ha

ve zero late payments. We have looked to other mortgage companies but we will have t
o pay the fees to move companies. We don't want to be with NewRez. There is no brick and mortar or person to speak to. We've been bombard with stupid letters that state NewRez has received our correspondence but nothing. After sending two more forms of communication to NewRez, we researched to see where we could file a complaint. We have excellent credit ( XXXX & XXXX ) and to continue to see late payments or receive collection calls is humiliating. We wish XXXX XXXX would've allowed us to choose the mortgage company and now would request NewRez pay the fees for us to move our loan elsewhere.
Product: Checking or savings account

A check dated XX/XX/19 in the amount of {$9500.00} was written on a XXXX account and send to the payee, XXXX XXXX XXXX  but the check was fraudulently altered and deposited at PNC Bank. The check copy clearly shows the alteration, indicating that PNC was grossly negligent in allowing the altered check to be cashed or deposited. A fraud case was opened by XXXX but according to XXXX, PNC has refused to respond. A complaint was also filed against XXXX but they did not provide any additional information to the account holder or to CFPB. XXXX says that their counsel has sent a demand to PNC for return of the funds. They also suggested that a complaint against PNC be filed. The cancelled check copy should provide account information at PNC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Acct # XXXX - These accounts are inaccurate. The days late is inaccurate. Equifax is reporting different information than XXXX and XXXX. Since credit reporting agencies must correct or delete inaccurate, incomplete or unverifiable information, Equifax SHOULD NOT have different information than the other two credit reporting agencies. They said they have verified these accounts as accurate, so how is it that they have actually verified these accounts if they are still inaccurate? Furthermore, I have repeatedly asked for information regarding how they have verified my account and who they spoke to in order to obtain accurate verification. Equifax has failed to respond.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Dear Sir/Madam, I am writing to dispute the reporting of student loan by XXXX ( Account Number : [ XXXX ... ] ). According to the Fair Credit Reporting Act ( FCRA ) Section 605B, I believe that the loan is inaccurately reported on my credit file.

Specifically, I dispute the following After reviewing my credit reports I have noticed an account that is inaccurately listed on my credit report. This account has been removed from all of my other credit report files and it is not a valid account.Navient student loans has been charged with committing this crime against millions of customers This company has been notorious for reporting inaccurate information which is why they current have a huge lawsuit against XXXX XXXX loans. XXXX already removed off my credit just not XXXX and Experian. I can also send you pictures of me sending letters and showing proof on top being part of lawsuit that CFPB file FCRA SECTION 605B FCRA SECTION 615 ( f ) FCRA SECTION 623 ( a ) ( 6 ) 15USC1681c-2 ( FCRA )
Product: Mortgage

Starting XXXX my mortgage payment with Carrington increased to {$1100.00} based on my escrow. I immediately contacted the mortgage company and advised them that my mortgage should not had an increase because there was not an increase in my taxes or insurance. In fact, my insurance had a {$200.00} decrease. I then requested that a new escrow analysis be done. I was told that they needed information from my new insurance carrier, which was promptly provided to them. After learning today, XX/XX/XXXX, that a new escrow will not be done, I considered this unfair to me because now I am paying more money. Had the company run the analysis based on the information provided by the insurance carrier, we will not be here having this conversation. Therefore, I am requesting that company set my payment back to where it originally was when they accepted the loan from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My fico report shows a steep decline in my Equifax score. Comparing the scorers it shows that equifax is the only cra to report a recent delinquency while the other two show the opposite and have a positive payment history. The fico score shows equifax at XXXX using their scoring method while the fico website says that its XXXX using their XXXX  XXXX. I call equifax and tell them there is an issue with fico, the score that banks actually use. They told me if its not on their report on their site then they cant do anything. A XXXX  XXXX account was closed in XX/XX/XXXX and it marked as closed on my fico report yet in XX/XX/XXXX equifax randomly shows that I made a payment but it does not show this on the equifax site. Fico shows that it has been zero months since my last late equifax reported payment.
Product: Debt collection

I've tried to dispute an account on my credit report multiple time and I have yet to receive an outcome. I have never had a XXXX account in my name, nor have I had any XXXX services. I've contacted the debt collector twice by mail ( letters attached ) and the debt has yet to be verified. I haven't gotten a response from the debt collector as of XX/XX/18.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX is on my credit and I don't know why but someone did steal my wallet and got my information I don't know that could be the cause of the inquiry.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NO KNOWLEDGE OF THIS ACCOUNT, WHO HAS A XXXX DOLLAR BILL THATS LATE FOR 4 MONTHS, MY IDENTITY HAS BEEN COMPROMISED WHILE I WAS SICK WITH XXXX FOR A YEA R
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Company Inquiries XXXX XXXX/XXXX   XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 
XXXX XXXX XXXX : Last reported : XX/XX/2022 Open balance : {$3100.00} XXXX XXXX XXXXXXXX XXXX : Last reported XX/XX/2022 Open balance : {$700.00} XXXXXXXX XXXX XXXX  XXXX TX : Last reported XX/XX/2022 : Open balance : {$430.00} XXXXXXXX XXXX XXXX  XXXX XXXX : Last reported XXXX XXXX, XXXX  : Open balance {$250.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : Open balance {$230.00} XXXX  XXXX XXXX XXXX : Last reported XX/XX/2022 : Open balance {$62.00} 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 authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   XXXX  of  XXXX . I went to  XXXX   XXXX  in  XXXX , TX to look at getting a new car, after mine had been totaled in an accident that previous  XXXX  that was not my fault. The agreement was that i was to get my current car. A  XXXX   XXXX   XXXX   XXXX   XXXX , and they would roll over the remaining {$500.00} of my previous loan ( From  American Credit Acceptance ) o nto my current car loan ( with   XXXX   XXXX   XXXX   ). I finished all the paperwork and drove away with my new car in  XXXX .  XXXX  told me they would cut a check for the payoff amount remaining on my car, and i would send the check in to pay off the previous loan with ACA. A month passed, after repeated phone calls to  XXXX , and no check ever came, u ntil one day  i got upset and drove down there, where they told me the funds were processed on  XXXX   XXXX , but they lost it. I was noticeably unhappy with their response, so they cut another check. Which they did not get to me until  XXXX   XXXX   XXXX , at this point I was already 3 months behind on my car payment, to where ACA was threatening to reposes a car that I did n't even have.  XXXX  said they would take care of the situation, but never did. I let it take a backseat to some other issues in my life, but when it came time to trade up to a new car, the problem arose again, and i had to contact  XXXX  again, where at first they did n't want to admit fault, but after some digging and pushing they finally did. And i got them to send a letter, and the lady stated she would submit i t to ACA  and the credit Bureaus but never did. Now it 's bee n three month s since she told me she had done it, and nothing has changed, and im honestly just sick of waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a return to sender letter to Experian for the fraudulent information on my account provide by XXXX XXXX. I never received a response for my inquiry in the investigation. XXXX XXXX claims I owe over {$5000.00} but I have no knowledge of the account. I have attached documents for my investigation with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of my payment history which clearly shows that I have never missed a payment. I had submitted one ( 1 ) payment and due to a system glitch with XXXX, the payment did not post until the next morning. This payment was made was well within the time frame allowed to not be considered a late payment. XXXX is showing this as a ( 30 ) day late on this account. This false reporting of a late is seriously harming my credit score and this line item needs to be updated and the late payment be deleted all together. I have contacted the bureaus to fix this error however, I have not been successful.
Product: Vehicle loan or lease

On  XXXX / XXXX / 2017  I paid Hyundai Motor Finance my monthly lease bill of {$380.00} for my Hyundai  XXXX . I had an error on my internet cause the browser to refresh. The payment had came out  XXXX  times causing my checking account to overdraft into - {$900.00} including penalties and fees. I had contacted Hyundai Motor Finance shortly after the discovery of the overdraft. They promised me a refund when I spoke with a representative. I contacted them again a couple days later and I spoke with a representative to find out when the refund will be, because myself and my family are hurting so bad financial. The representative said they wont refund me the full amount which is {$760.00} they will only give me {$380.00} and the extra payment can go towards this or next months bill. They also stated it takes 20 days for a refund. I immediately contacted my bank to dispute the charges. It is apparent that Hyundai Motor Finance does NOT fulfill their financial obligations of a refund and this is considered a crime of theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is counting XXXX as active debt and 120 % towards my credit utilization. It was legally agreed upon a price to mark this as paid. Remove the account and stop counting towards my credit utilization.
Product: Mortgage

Rocket mortgage is making false advertising claims. Their TV ad claims that an approval letter from Rocket Mortgage is as strong as an all cash offer and puts you on the same playing field as cash offers. This is a lie. Furthermore they are targeting XXXX Americans with this advertising which is a predatory lending practice.