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

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX  De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Dispute of Erroneous Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am writing to formally dispute inaccurate and inconsistent information reported by XXXX, Experian, and XXXX regarding the account [ ACCOUNT XXXX ]. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only complete and accurate information reported on my credit file. 

Upon reviewing my credit reports, I have identified the following inaccuracies : Inconsistent " High Balance '' : XXXX reports {$620.00}, Experian reports {$0.00}, and XXXX reports {$320.00}. 

This discrepancy violates 623 ( a ) ( 1 ) ( A ) of the FCRA, requiring data furnishers to report consistent and accurate information. 

Conflicting " Date of Last Activity '' ( XXXX ) : XXXX lists XX/XX/XXXX, Experian lists XX/XX/XXXX, and XXXX lists XX/XX/XXXX. 

These inconsistencies violate 611 ( a ) ( 1 ) ( A ). 

Missing " Closed Date '' Information : XXXX lists the account as closed on XX/XX/XXXX, but Experian and XXXX fail to report this status. 

Omission of this critical data violates 609 ( a ) ( 1 ). 

Erroneous Payment History Reporting : Experian 's timeline conflicts internally by reporting " OK '' statuses while simultaneously reporting XXXX, XXXX, and XXXX lates. 

XXXX 's late payment history conflicts with Experian 's reporting, creating additional inaccuracies. 

These errors violate 611 ( a ) ( 1 ) ( A ). 

Inconsistent Credit Limit Reporting : XXXX and Experian list a credit limit of {$600.00}, but XXXX lists {$0.00}. 

This discrepancy violates 609 ( a ) ( 1 ). 

These inaccuracies not only violate the FCRA but also significantly harm my creditworthiness. I respectfully request that this account be deleted entirely from all three credit bureau reports as the data is unverifiable, inconsistent, and inaccurate. 

[ XXXX XXXX ] XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was in the home buying process and noticed inaccuracies on my credit report. A year ago I started challenging these inaccuracies. I am very concerned because all three credit reports are showing discrepancies. I have mad several attempts to request information from the 3 credit bureaus and heavenly received stall letters from each bureau. I recently sent notarized disputes to XXXX, XXXX, and TransUnion to prove I am who I say I am and the inaccuracies are still reporting.I am a very concerned consumer and want only true information about me reporting. 
15 U.S.C 1681G LAW VIOLATION Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer :
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, 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 this account. Actually I am not sure that the account is even mine though your company claims to have verified this. 
Depending solely on your flawed XXXX 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 XXXX XXXX, and XXXX XXXX XXXX  Equifax, et al, 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/CA 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
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 ) : XXXX, XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account number 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX Ive been trying to get Experian to report only accurate information to my credit report. On XX/XX/XXXX I submitted a complaint to the CFPB about Experian. The complaint was about Experians unfair credit reporting methods and there negligent noncompliance or willful noncompliance with the law. On XX/XX/XXXX Experian was reporting XXXX XXXX XXXX Account number XXXX with a balance of {$810.00} as a collection account on my credit report. This account was deleted off my credit report. 
On XX/XX/XXXX Experian reported the following collection account XXXX XXXX XXXX Account number XXXX with a balance of {$810.00} on my credit report. This is the same account sold to a different debt collector and added to my credit report again. 
Since this is the same account that was already disputed and removed from my credit report I am demanding this account be immediately deleted from my credit report.
Product: Mortgage

Mortgage on our home was paid off in XX/XX/XXXX. We received a call on XXXX XXXX, XXXX informing us that our home would be put into a sheriff sale for unpaid escrow on the home. The call came in from XXXX XXXX stating he was from Option One Mortgage. The phone number is, XXXX. We were informed that we had to purchase money orders in the total of XXXX to take care of this past escrow. My husband, XXXX, went out and purchased the money orders, but I wanted to speak to this man, who informed XXXX to call him from the Post Office to get the address to send them to. When I spoke to XXXX, he stated that they had sent papers about this amount in XXXX to us. We did not receive said papers and were informed by him that he could no longer send them since the account was closed. We ended the call and contacted Ocwen, which was our mortgage company and were informed that there were no past escrow due and the deed was at our local deed office. XXXX has called us daily to demand this payment and that the attorney 's office that was handling this account was waiting for payment. He gave us the following name and personal address of where to send the money orders : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never missed a payment with XXXX XXXX XXXX. My account is XXXX and the last payment made was XXXX2021 for the payment amount of XXXX. My payment is not due until the XXXX of each month. XXXX reported on my credit report that my account was 30 days past due. This is incorrect. I want this removed from my credit report immediately. 

My total loan payoff for my car is {$680.00}. I was told by XXXX ( check recordings ) that I could continue to pay this balance as i would normally pay my car payment. Now they are reflecting it as past due. It is not. I have never missed a payment. I pay early.
Product: Checking or savings account

Huntington National Bank is double charging my account for holds on checks. Their negligence is causing overdraft fees. Also, they are crediting my account, if check is not good, they are removing funds, the putting a hold on check and removing funds against and not replacing when hold is off. They owe my checking account {$320.00} in overdraft fees and reimbursement for all funds not returned to my account after hold is removed. Approximately {$2000.00}. Also, Huntington Bank still owes my checking account {$110.00} of additional overdraft fees.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within XXXX  days. Enclosed are supporting documents.
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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/year>, I entered into a XXXX XXXX XXXX XXXX XXXX XXXX  agreement with CFG Merchant Solutions. The contract stated that it was an XXXX, but the terms included fixed daily payments of {$100.00}, which did not vary based on my businesss sales. The total amount I was required to repay was {$8900.00}, while I only received {$6000.00}, resulting in an effective APR of 217.7 %. 

The contracts terms resemble a loan, not an XXXX, as payments were fixed and not tied to receivables, as would be standard in a true XXXX. This high interest rate violates state usury laws if the contract is considered a loan, which I believe it should be based on its structure. 

After two months of daily payments, I found the terms to be financially unsustainable. CFG Merchant Solutions has since threatened to enforce a XXXX lien, which would allow them to seize my business assets. Their aggressive collection tactics, combined with the misrepresentation of the agreement as an XXXX, have placed my business under severe financial strain, ultimately leading to its closure. 

I believe CFG Merchant Solutions engaged in deceptive business practices by misclassifying the agreement to evade lending regulations and imposing terms that are inconsistent with an XXXX. I am requesting regulatory intervention to address these unfair practices and prevent CFG from further pursuing aggressive legal action based on an agreement that should be subject to stricter loan regulations.
Product: Bank account or service

Harassing and threatening call with court actionsand collection of outrages amount for an acct thathad a {$250.00} balance when it was charged offXXXX or XXXX years ago. They want {$2200.00} withlate fees. By hey call and spoke to my employer andtold them that they were a legal firm trackingone of there employees. I almost lost my jobbecause of their collection tactics
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found First progress card opened on XX/XX/XXXX and XXXX XXXX XXXX XXXX opened on XX/XX/XXXX to be fraudulent accounts. I did not agree to run my credit to open these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX type XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$900.00} written off. 

FCRA violations : payment never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$5300.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$3300.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2500.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6500.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$7400.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open.
Product: Mortgage

XX/XX/XXXX, after losing a job, I applied with Bank of America for modification of my mortgage. In the next three months, I did receive XXXX letters from BofA, XXXX of them with the requests to submit the same documents I submitted originally at the time of application. Finally, BofA informed me on XXXX and XXXX that I am not eligible for modification of the loan for the following reasons:1. " You are making all required loan payments on time. " 2. " You did not obtain my loan on or before XX/XX/XXXX. '' It was absolutely clear from the very beginning that I obtain my loan long after XX/XX/XXXX. 
XXXX. " You have sufficient net income ( pension of XXXX a month ) to pay your current mortgage payments ( {$1300.00} a month ) '' 4. " Your loan is not eligible for the Home Affordable Unemployment Program because we service your loan on behalf of an investors that has not given us the contractual authority to suspend your payment under the Home Affordable Unemployment Program '' ( The most puzzling one ). 
The whole process was tortuous as nobody explained to me why should I submit the same package of documents ( bank statements, verification of my pension and unemployment status, etc ) seven times in three months. I am sure nobody read them as I was getting the same letters with different dates on them. 
I am still unemployed ( my unemployment benefits rean out long time ago ) with almost no prospects ( my age of XXXX works against me ) and I am still making payments on time borrowing money left and right. I do not believe I ever had a single late payment in my lifetime and I can not allow myself not to pay. Unfortunately, according to BofA, this is # 1 reason I was denied a loan modificationI am still having difficulties making payments as in addition to that I have medical bills, child support, plus prolonged unemployment since XX/XX/XXXX. 
The whole situation is described in several attachments. I am seeking loan modification, but Bank of America does not want to cooperate. They told me openly, that if I would stop making payments, my chances for loan modification will significantly improve. But it is against my principles. 
Thank you, XXXX XXXX. All documents from BofA were signed by XXXX XXXX, Customer Relationship Manager
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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: Money transfer, virtual currency, or money service

There was no proper disclosure when sending money via zelle as far if all information is correct before sending the money
Product: Credit reporting or other personal consumer reports

I have sent several registered letter asking for both TransUnion and XXXX to validate the XXXX XXXX Bankruptcy listed on my consumer report. Neither company has ever answered any of my letters over the past XXXX months. They have only sent me letters stating they felt the inquiry did not come from me or an authorized XXXX party, even though I sent the letters with a copy of my Drivers License and a recent utility bill. The same inquiry was sent to XXXX and they could not validate any of the information listed. They removed the non-validated Bankruptcy immediately, in accordance with CFPB law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a direct mail to TransUnion Consumer Solutions which was received by them on XX/XX/2022 regarding a collection report with Impact XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX. 

I was mailed investigation results on XX/XX/2022 which well over 30 days. I also requested a 609 letter stating that I would like to see the original signature which they they did not provide in my investigation. I do have copies of documents
Product: Credit reporting or other personal consumer reports

XXXX  is saying the information is coming back verify but when i called the company myself they cant verify me so i not understanding how they verifying so the comapny is giving me payment history in not contract or agreedments so i ask them to removed the debt but they ignoring the fact that i didnt do business with them i rufuse to pay the debt i wasnt legally notify about the debt under 15 U.S 1681 i fair act crediting reporting i have right to privacy 15us1681a these accounts i refuse to pay they violated my account i also send information to experian they saying my docs wasnt acceptable.
Product: Mortgage

On XX/XX/XXXX we had submitted the certificate of eligibility for the Sandy Forbearance program to Caliber home loans. After months of calling and asking for a response, they sent us a letter dated XX/XX/XXXX stating they require a Certificate of Occupancy prior to reviewing the loan for the program. On XX/XX/XXXX, when we received our CO, it was faxed to Caliber Home Loans. According to the letter requesting the CO, it states that upon receipt of the requested documentation, a Single Point of Contact representative will contact us to inform us that they have the information required. Subsequently, we will receive a follow-up phone call explaining the particulars of the forbearance. We have not received any phone calls, e-mails or US mail responding to the information sent. In addition, we had e-mailed a copy to XXXX XXXX, as he had requested that an e-mailed copy be sent to him. According to the law, we are eligible for a 12 month forbearance from the date we received our CO. We are facing foreclosure and have been patiently waiting for this offer of forbearance. I have been calling the Customer Service line at Caliber once a week since sending the CO and nobody is aware of any such forbearance. Time is not on our side. We desperately need this offer of forbearance, as we meet the criteria according to the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bridgecrest account was paid in full and closed on XXXX. I have sent XXXX proof of this and they will not correct there inaccurate reporting. Attached is a copy of the email from Birdgecrest that sates " PAID IN FULL '' and a copy of the paid in full contract. I have disputed this account with XXXX 2 times with the last being on XXXX. I have also attached proof of XXXX ignoring my request for investigation and stating that they are not changing the inaccurate information. Something really needs to done to enforce FCRA regulation.
Product: Credit reporting or other personal consumer reports

ROUNDIm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the

fraudulent account in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information that is being posted to my report.

Here is the list of account that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$11000.00}
Product: Bank account or service

XXXX, an online event ticket broker, charged us an incorrect ammount. We purchased tickets online for a XXXX XXXX Concert occuring on XXXX/XXXX/2016. During checkout they showed the total as {$250.00}. They charged our bank account {$1100.00}. We did n't know we were charged that much until we got the receipt. 
They will not even talk to us to resolve the issue. 

We contacted our bank to file a complaint and they did nothing for us. 

It should be noted that the tickets they sold us are still being sold today, from the venue sponsor for {$80.00}. 
XXXX tickets are only {$250.00}.
Product: Credit card

XXXX I am a XXXX XXXX Veteran who had to be hospitalized due to the following triggers and wrongful acts, errors, and commissions of criminal acts. 
Due to Theft, Embezzlement, and hospitalizations I was unable to obtain all and or sufficient proffers necessary and relevant documents and evidence to submit with my complaint. Unsubs, known and unknown have committed federal and state criminal actions in violation of the ancillary codes. The Unsubs committed disruption, conversion, theft, and mail frauds contemporaneously with other crimes and civil violations ; namely but not limited to defamation, forgery, identity theft, pawning of stolen goods, XXXX XXXX, violations of the Mann Act. 
I was unable until XXXXXXXX XXXX. today XX/XX/year> with the help of U.S. DEPARTMENT OF VETERANS AFFAIRS XXXX Employees, XXXX and XXXX, and Personal Assistant XXXX XXXX to gather and complete evidence ( proffers ) necessary to support my complaint. I can only receive texts due to damage to my cellphones, hearing impaired phone, Theft, fraudulent take over of my identity and brands. 

I have an extensive documentation set which consists of police reports, other victims of identity theft, theft of the U.S. Postal Mails, credit card and check theft, misuse, bank fraud etc. I am currently unable to forward this dossier set in my possession but would like any and all assistance to do so. Thank you kindly.
Product: Mortgage

Quicken Loans deliberately allowed my rate lock to expire so they would not have to honor their rate commitment to me, even though they verbally agreed to extend my rate lock.