23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Experian is reporting a collections account that has been unverified for over 2 years. On my report, XXXX XXXX XXXX is reporting a debt of {$2000.00} for a charged off joint account originated at XXXX ( original balance shows {$990.00} ) and was opened XXXX/XXXX/XXXX. The acct # listed is # XXXX on the credit report ; the credit report number is XXXX. I sent a validation request to the collection agency on XXXX/XXXX/XXXX - 30 days passed with no response. I sent a 2nd notice to them on XXXX/XXXX/XXXX - another 30 days passed and no response. In XXXX i submitted an online dispute at experian.com and it returned a result of " verified ''. The only responses received from this agency are to experian directly. I have no recollection of this account nor its reference and am unable to get any information regarding this collections account. 

I filed a complaint with the XXXX ( case ID XXXX at XXXX Serving XXXX, CA XXXX, Phone : XXXX ) and they sent the debt validation request to the collections agency on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX the XXXX reported they had received no response and were sending a 2nd notice. On XXXX/XXXX/XXXX the XXXX sent the 2nd notice. On XXXX/XXXX/XXXX the XXXX reported they were unable to solicit a response from the collection agency as well. I have requested 4 times debt validation ( account information details, original creditor information, the source of the debt, how and why the debt balance is increasing, any contracts associated with this account, proof that XXXX both legally owns and is allowed to collect on this debt ). The same information was requested by the XXXX twice as well. 

Experian continues to report this account on my report, but has been unable to provide any supporting information or validation of this debt. The collection agency has failed to respond to inquiries for over 120 days, but continues to report it to Experian and XXXX. I have attached copies of this dispute activity and per FDCPA regulations I am respectfully demanding experian remove this item from my credit report. They only response was to Experian and included one word, " Verified '', but have not provided any information as to what was verified, from whom or provided that to myself. 

Each time i submit the online dispute they decrease my credit score, so I 'm sending this complaint to you ( the CFPB ) to assist in getting this item deleted without being penalized again by the credit bureau. Experian has been reporting an unverified collections account for over 2 years with no assistance to resolve this matter. I would like this account deleted from my credit report and feel I have done my due diligence in attempting to resolve this dispute.
Product: Debt collection

Received a credit alert that American Express was reporting a collection account on my credit report, upon doing further research I was informed their was 5 accounts that were closed that had balances that I was unaware of.
Product: Debt collection

I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to this complaint. 

I contacted Portfolio Recovery Associates about an account that they are reporting to my credit report. They are reporting the account fraudulently and without my authorization and consent. 

They claim that I owe them balances on debt accounts but they have not provided VALIDATION that a contract exists between myself and Portfolio Recovery Associates. If no contractual obligation exists between us then how could I legitimately owe them for any debt? XXXX XXXX claims to have purchased the debt from XXXX Bank but my contract was between myself and XXXX Bank, who I am in the process of entering into arbitration with. If Portfolio Recovery Associates continues furnishing, reporting, and making attempts to collect debt that does not belong to me then I will have to include them in an arbitration claim for violation of the FCRA, FDCPA, and for aggravated identity theft. 

Please see Portfolio Recovery Associates info in identity theft report attached
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Mortgage

Fifth Third Bank purchased our mortgage loan 12 months ago. Our home was purchased in 2020 and has risen in value over 20 % like most homes in the entire Country. I have reached out to them 3 times now about cancelling our PMI. The first inquiry was responded to with an explanation that the mortgage had to be 2 years old before cancellation request. I filed most recently on the 2 year anniversary of our mortgage. This time to be denied on the basis that the " appraisal tool '' their investor uses did not value the property above 80 % LTV. I then appealed and paid for a broker price opinion ( BPO ). The broker appraised our house at a value that puts it at 78.99 % LTV. While I still believe that valuation to be lower than actual value- it should be enough to remove PMI. I now received a letter stating that it needs to be below 75 % LTV. They have made this process a hassle - and continue to move the needle. I have reached out to an attorney to remove PMI and be credited for months overpaid under the Homeowners Protection Act. Shame on this bank for their greedy practices.
Product: Credit reporting or other personal consumer reports

See attachment. XXXX and XXXX have reported fraudulent inquiries on my credit report that I have no knowledge of. Please delete this unauthorized inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Credit Card account ending in XXXX that the company founded to a fraudulent and sent all 3 consumer reporting agency authorization to delete the account all but one chose not to delete the account now they have the account under the name Equifax account ending in XXXX I know this has to be illegal for Equifax to hide and continue to furnish a fraudulent accounts
Product: Debt collection

I am receiving calls from Linebarger Goggan Blair and Sampson, LLP every day saying I own a debt from the year 1996I want to know how are they entitled to collect this debt and I want them to stop harrassing me. 

They just sent a letter of collection for this nonexistent debt for {$740.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I am the person making this complaint & I give CFPB authority to investigate this claim. On XX/XX/XXXX I submitted a request to XXXX XXXX XXXX XXXX XXXXXXXX for an alleged debt they reported on my credit report. They received this information request on XX/XX/XXXX and as of today, XX/XX/XXXX I have not received any sort of correspondence pertaining to my request at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter asking to send me a contract with my signature that they used to verify accounts that have been posted on my account or delete the accounts off of my report that has not been verified, and the company has not complied with my request, I have sent this letter to them 31 days ago and I have not heard anything from the company, they have ignored my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling and calling Transunion explaining that the account from XXXX XXXX XXXX does not belong to me. I have never done any type of business with them and have no clue how they got access to my information. Please delete this account and the inquires on the identity theft report. Someone has accessed my personal information and keep trying to open accounts and I don't understand how.
Product: Mortgage

On XX/XX/XXXX we entered a forbearance agreement with Homebridge Financial as our loan servicer due to financial stresses related to the COVID pandemic regulations. The forbearance began on our XX/XX/XXXX payment due and ended after our XX/XX/XXXX payment. Communication from Homebridge to repay the balance due was not clear and one sales representative in particular that called insisted that the only option was for a loan modification. We did not want any adverse effect on our credit and had the funds to repay in full the balance due from the forbearance period payments and escrow. The sales representative was insistent the modification was better even after we insisted we wanted to pay in full. We called later and spoke to Customer service and were give a dollar amount remaining due on XX/XX/XXXX after we had already made a payment for the XX/XX/XXXX payment due. We paid the amount we were given. The following month we made a regular payment for the XX/XX/XXXX payment due on that day but were unable to set up reoccurring payments because records still showed we were past due. We waited for payments to update on the system but called 2 weeks later and were told the amounts were still off and we were still short by 2 months payments, we disagreed and asked them to submit a ticket to investigate but made a second payment in the month of XXXX. Homebridge did not resolve the misallocation of funds and applied part of the repayment to the escrow account exceeding the amount needed to pay more than the annual amount. We made another 2 payments in the month of XXXX to resolve but with each payment Homebridge records still do not reflect on time or current. according to our records and all payments made we have now overpaid by 2 months worth of payments and continue to pay monthly on time but Homebridge shows us as being 30 days past due. Responses to written requests are automated or scripted and they never directly address any questions or resolutions to the issue. It is now the end of XXXX and we still have not received a written resolution or correction to our account to show on time. Luckily this has not been reported to credit but that is also our concern as this would be very damaging to our credit history even though the paper trail and payment records show full and current. - VERY dissatisfied customers
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I checked my credit score and found a new account had been added by the XXXX XXXX XXXX XXXX to my report for {$150.00}, which brought my credit down by over 50 points. I submitted a dispute on XX/XX/XXXX and the account was removed between XX/XX/XXXX and XX/XX/XXXX, but my credit is still impacted. Why am I paying the price for someone elses mistake? Ive been working so hard to get my credit raised, and because someone XXXX  up, its affecting me. This isnt right, how can I get my score fixed?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}, {$0.00}, {$5100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XXXX   XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing a hard Inquiry that shouldn't be on my report! 

XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX phone : XXXX date : XX/XX/2019 On XX/XX/19, I called XXXX XXXX over the phone to switch phone plans. I was told I had to Submit a SOFT INQUIRY to verify my identity just as insurance companies do. Minutes later, I received a HARD INQUIRY alert on my credit monitoring app that's shows XXXX XXXX have placed a hard inquiry on my credit report. I asked to speak with a manager on duty and i was informed by the XXXX XXXX manager, the hard inquiry will only last on my credit report for less than 30 days than it will automatically be removed. I DEMAND THIS INQUIRY BE REMOVED ASAP! THIS IS NOT A DISPUTE TO VERIFY IDENTITY. I AM REQUESTING IT TO BE REMOVED DUE TO POOR EXPLANATION BY XXXX XXXX STAFF!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian in conjunction with XXXX XXXX XXXX XXXX conducted and completed an investigation into my XXXX XXXX Credit Account without informing me. According to a supervisor at Experian a hand written letter of mine along with a CFPB complaint against XXXX XXXX XXXX, XXXX was submitted which in turn started another investigation into my accounts. Neither Experian or XXXX XXXX notified me of this complaint, neither provided the basis for the investigation and neither notified with the results. Experian failed to assist me ( XXXX and XXXX ) with any type of relief with respect to the continued unlawful access, request for, the receipt of as well as conducting investigations by " imposters/identity thieves '' which has led to the ongoing " global '' activity fraudulent credit card imposters/identity thieves The month : XXXX to current.
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$280.00} was taken from my account and sent to a fraud account after calling my bank and reporting the issue they could not resolve it and basically told me it was my lost. I dont know I have other transactions thats this has happened to because I would use it often. 
I am expressing my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Information on my Credit Report Dear Credit Reporting Agency I am writing to formally dispute inaccurate information on my credit report that I believe in harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by the federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX, Experian and XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. Theses practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed an inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similiar manner.
Product: Mortgage

My loan experience has been awful. While that is one thing, it has now cost me money out of my own pocket so I felt the need to formalize my complaints.

From day 1, I made it clear my cashout refinance needed to close early to mid XXXX. I literally followed up every day with the LO or Processor to ensure this happened. I was never once told this would not happen, but it felt like we were moving slow. Then, the day for closing, when I finally reviewed my documents, I noticed they had the wrong property address on the CD ( embarrassing considering they had an appraisal completed ) and did not have a deed to add my wife to title ( which was told to both the LO XXXX and Processor XXXX ). This delayed closing another week. I escalated to a manager ( XXXX ) and was essentially told this timeline is completely normal. 

Fast forward to the day of closing and I'm notified that my funds will be available in 10-15 days. I asked why it was more than 4 ( 3 days to rescind ) and was again told this is normal because they're busy. At that point, I had to take a loan out against my 401k to pay for the trip we had already scheduled as a family. Good thing I did! We are now two weeks since " funding '' and I still don't have my money. I don't even know what it means for a loan to " fund '' when I don't actually receive any funds.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX 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 XXXXXX/XX/XXXX