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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute inaccurate information on my credit report as allowed under 15 USC 1681i ( 5 ) and 15 USC 1681s-2 . According to the investigation, my account had been infiltrated with fraud, and there was a breach of my account. I have reviewed my credit report from [ ExperianXXXX XXXX dated [ date of the report ] and have identified the following errors : 1.incorrect account information, wrong payment status, I request that the inaccurate information be investigated and corrected as soon as possible in accordance with the provisions of the Fair Credit Reporting Act.

Enclosed are copies of documents that support my claim, including I also request that a corrected copy of my credit report be sent to me and any creditors who have received my report in the last six months. 

Please investigate this matter and inform me of the results of your investigation. You can reach me at XXXXXXXX XXXX XXXXXXXX if you require any further information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
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 XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX 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 1681i ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

I received a letter from Freedom Mortgage around XX/XX/XXXX. The first letter was a letter for non payment of XX/XX/XXXX payment. Also a letter for returned mail from my proper mailing address. 

I contacted Freedom Mortgage On XXXX and they told me that I did not make my XXXX payment and told me to call back Monday. 
I called Monday XXXX and the representative told me they were not responsible for fixing the problem as the loan servicing had been sold. 

I contacted my original mortgage processor who got me in contact with XXXX old supervisor. 
He told me that they probably would not fix the problem.

I have paid all of my payments on time. The online payment application was always glitching for approximately the first six months of payments. I paid a total of {$3000.00} for XXXX which included the main monthly payment. Somehow the total was applied only to the principal with nothing applied to the main payment. 

I want this corrected to show the payment that I made, the interest paid recalculated, and I would like the {$1900.00} in late fees refunded to me. I have the payment history and will attach it. 

Thank You, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts to inform Equifax that they are reporting fraudulent and outdated account on my credit report and after sending proof of identity theft along with the report they still failed to correct my report, I also have brought to their attention that they are enabling the collection company to keep manipulating my credit report payment history and dates to ensure that it stays on my file, they did absolutely nothing to stop it and only picked two account on my identity theft report to correct even though they were notified by the other credit bureaus that it was removed due identity theft and inaccurate outdated reporting
Product: Checking or savings account

On XXXX XXXX, my online banking was suddenly disabled. So when i called to ask why it had been disabled the first person that helped me stated my account had been compromised even though i stated that i am the only person that logged in and that my phone was using a vpn. My option was to request to on a new one the next day or go to a branch and do it. So I called again and spoke to someone else and explained that i am the only one who had logged in and that is was using a vpn and that it happened shortly after i opened the account. So this person was able to unlock my account so that I can use it. So i waited at least 5 mins and I was able to log in on my pc but it failed on my phone. So i called again with the same answer it was compromised. Then i called a fourth time stating that i was able to log in but not on my phone, and then that is where i was informed that my entire account is going to be closed. The only one that was professional was the one that was able to breifly restore my online banking account. The rest were unprofessional. I tried to explain my situation and they were having no of it but the one person. I did nothing wrong my account was wrongly closed because of false assumption that it was compromised.
Product: Mortgage

Carrington Mortgage Services is currently engaging in dual tracking Dual tracking is prohibited! 

I also sent a Notice of Error and Requests for Information pursuant to PART 1024REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart CMortgage Servicing and have not received any acknowledgment or response to correct the error on the mortgage.
Product: Mortgage

My original mortgage was sold by The XXXX XXXX to Loancare on XX/XX/XXXX. I did not get notification of the transfer until XX/XX/XXXX. In the meantime I made payments for XX/XX/XXXX and XX/XX/XXXX to The XXXX XXXX. The payment for XXXX was successfully credited to the Loancare account, but the XXXX payment was not. Loancare are now saying I am in arrears for the missing XXXX payment and have also impacted my credit score by telling the credit agencies that my account is in arrears. 
When I contacted Loancare they said the needed proof of my payment to The XXXX XXXX, so I sent them the electronic transfer details as I paid through my bank. That was sent in XXXX of XXXX and I heard nothing from Loancare until XXXX of XXXX when they contacted me to say I was in arrears. 
After speaking the them they told me that their Escalation Payment Dispute department said that they needed further proof, although no one contacted me at the time. I contacted The XXXX XXXX  who have confirmed a check was sent by them to Loancare for the XXXX payment, but Loancare say they did not receive it and are requiring me to get a new check from The XXXX  XXXX. 
The amount of the original payment is {$1200.00}, Loancare have been adding missed payment penalties totaling {$590.00} and are saying I'm past due an amount of {$1700.00}. 
Both of the payments I made were within the 60 day period from the original transfer of my mortgage from The XXXX XXXX to Loancare.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 
XXXX HAS This account is incorrectly reporting that I have 32 late payments. On my Transunion report there are 12 late payments being reported.

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this in accurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a certified letter to TransUnion asking them to DELETE various items and incorrect information reporting on my consumer file. On XX/XX/2023, instead of receiving the status of their investigation, I received a letter stating that they were not processing my dispute because they believe I am working with a Credit Repair Company. With the original dispute letter I sent to TransUnion, I attached a copy of my current Driver 's license along with a Utiity billl confirming an address. I have attached a copy of the original dispute I sent TransUnion along with the " Stall Letter '' that I received from TransUnion. I initially pointed out to TransUnion that their were inquiries into my credit file without getting my permission first. This isn't possible unless they had my permission to do so according to U.S Code & 1681 es seq section 604, which states that all users of my personal information must have a permissible purpose. Please remove this or send me documentation proving how this inquiry is permissible. Pursuant to FCRA 623 ( b ) ( 1 ), FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ).
Product: Credit reporting or other personal consumer reports

My credit report contains inaccurate and incomplete information. I am sending this letter as a formal complaint against Experian. The following late payments are incorrectly noted. Please investigate and verify that all information about this account is accurate, including all notations, dates, and balances. 

XXXX XXXX Late payment XXXX - XX/XX/2022 I wanted to bring these issues to your attention, specifically billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement. 
A computation error or similar accounting error made by the creditor on a statement. 
To my knowledge, the creditor failed to furnish me with a statement 21 days prior, which should have nullified any ramifications of late payments regarding linked accounts. I am seeking concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late, indicating an invoicing error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$510.00} OPTIMUM OUTCOMES INC XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX Balance Owed : {$770.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 my credit score dropped by 40 points. I bought furniture on credit through Synchrony Bank and paid it off over 12 months with no APR. Throughout these months my credit improved significantly and went up by 40 points. On XX/XX/2021 I made my final payment to them for the furniture and by the time it was reflected on my credit report ( XX/XX/2021 ) my score dropped all 40 points I had gained instantly. I am attaching the credit score update screenshot from XXXX XXXX for your review. I did call them and ask for their assistance in getting to the bottom of this. I was told that if I didn't make a late payment or have bad debt with them then my score should not have been affected. I tried to explain that it had in fact dropped 40 points and the only change reported was that I had paid off my debt. The man I spoke to then advised me to send in a dispute. I have never been late on a payment for any credit card or loan I have ever had, and there is no other info on my report that tells me what could have led to such a drastic drop in my score. Please advise on getting this fixed immediately as I am working hard to continue building my credit so I can buy a home soon. 

Thank you for your time.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : account : XXXX XXXX account # XXXX
Product: Credit card or prepaid card

I believe this company is keeping unnecessary balances on your purchases just to collect interest. I made a purchase on XX/XX/XXXX {$50.00} and still had a balance of {$6.00} on XX/XX/XXXX. On XX/XX/XXXX I had a purchase of {$23.00} and on XX/XX/XXXX I still had a balance of {$1.00}. I have others also. I don't understand how they can do this. I really feel it is so they can continue to charge interest. I feel this is a fraudulent act. They are ripping people off. A lot of times when you look at your bill on line you don't see these charges. I think people should be made aware of this and check their bills closely .Look under promotional purchases. You can't see them all but you will find some.
Product: Debt collection

XXXX XXXX and/or her daughter XXXX. OWES XXXX XXXX XXXX XXXX XXXX XXXXandeTitle Agencyin XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Debt collector XXXX communication tactics false statement and misrepresentation Assignment fraud substitution of trustee fraud OPERATES XXXX ... XXXX OWES XXXX XXXX XXXX XXXX XXXX XXXXandeTitle Agencyin XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Debt collector XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Debt collector XXXX UNDER THE CONTROL OF The debt collector law firm under the control the control XXXX XXXX and/or her daughter XXXX. OWES XXXX XXXX XXXX XXXX, XXXX XXXXandeTitle Agencyin XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Debt collector XXXX MIRROR THE ACTION OF DOCX ( XXXX XXXX OWES XXXX WITH A XXXX ADDRESS WHEN ASSIGNMENTS ARE CHALLENGED FOR FRAUD DEBT COLLECTOR XXXX UNDER THE CONTROL OF DEBT COLLECTOR CONTROL OF XXXX XXXX : XXXX XXXX and/or her daughter XXXX.Debt collector AND ARE USING SUBSTITUTION OF TRUSTEE AS MEANS TO MOVE NOTE AND MORTGAGE FROM DEFUNCT ENTITY TO NON EXISTENCE XXXX TRUST when assignment are challenged in court for fraud these are the local actors in XXXX UNDER THE CONTROL OF DEBT COLLECTOR FOR LAW FIRM XXXX XXXX XXXX XXXX XXXX XXXX TO XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

For the past 3 years, I have been receiving threats via phone call about how they are going to purposely damage my credit. I explained to them that the debt is not mine and is incorrect. They continue to call and send me emails trying to intimidate me and threaten me that will that they will garnish my pay check, sue me and will charge me the debt if they ever got a hand on credit card information. They also called my employer and embarrassed me in front of my work place and were making threatening calls to me at my job. I disputed the collection charge from all 3 credit bureaus but have not find any resolutions for the harassment and incorrect debt collection. The incorrect debt collection amount is for {$370.00}.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : 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: Debt collection

XXXX with a balance of XXXX with a balance of XXXX these accounts show on my credit report, company has been unwilling to answer requests for information on these debts and continually reports them as " verified '' to the credit reporting agencies. in effort to repair my credit, even though the balances are not mine nor do i know the accounts, i paid the amounts directly to PRA. The accounts were re-verified with the credit reporting agencies and still shows full balances on my credit report. i find this tactic a bit dishonest and want PRA to remove the items from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 inaccurate late payments being erroneously reported by XXXX from XX/XX/XXXX-XX/XX/XXXX on my credit reports. For three years I have repeatedly challenged this inaccurate reporting directly through XXXX Customer Service, the Credit Bureaus, and utilized a Credit Repair Service to no avail. I submitted documentation two times to XXXX directly, proving I was enrolled in school during the time their derogatory information was inaccurately reported. XXXX has refused to acknowledge receipt of the documentation or remove this extremely damaging late payment status from my credit reports. <P/>I also informed Navient I never received any letters or notice that I was going out of deferment and into re-payment status although I have had the same address for over fifteen years. I also had over a 6 year pristine record with XXXX and XXXX XXXX prior to this incident and clearly extremely responsible regarding my loans. <P/>As a result of their inaccurate reporting and refusal to address their mistake, I transferred all of my student loans to another Servicer in XX/XX/XXXX. So XXXX no longer services any of these loans, yet continue to negatively report to the bureaus. <P/>On XX/XX/XXXX, I spoke yet again to another XXXX supervisor. She instructed me to email the documentation and clearly stated she would take care of the mistake. On XX/XX/XXXX I emailed the documentation again as per her request and to her attention. There was no response. Over the course of the next three weeks, I followed up with additional emails and had to place six more phone calls to reach someone in the same department, ( although I 'm unsure it was the same dept. as they refused to transfer me to the original person I had spoken to. ) They proceeded to inform me they had not received the document I emailed on XX/XX/XXXX. However they admitted to receiving the follow-up emails I had sent ( which ironically were part of the same email conversation ( linked ) that contained the document they refuse to acknowledge receiving. ) When I pointed this out, they refused to respond. <P/>XXXX appears to maliciously ignore proof of their error and continues to report derogatory late payment status on my credit reports. Their erroneous reporting has caused great harm and an enormous time investment which has proven futile to resolve. Their inaccurate reporting has also destroyed multiple opportunities for housing, purchases and extension of credit.
Product: Vehicle loan or lease

I know longer have the vehicle trying to lower payments however got denied facing severe hardship issues. Have 2 car loans one for a vehicle I Don't have anymore.
Product: Credit card or prepaid card

American Express : I have a credit balance on the card of over {$12000.00} that I have been trying to get returned to me but being put thru a continuous loop of verifications to return the funds to the same bank account that they have getting payments from for over 10 years ;
Product: Checking or savings account

I open a new acct with chase bank the terms of the debit card overdraft protection was not explain to me clearly ... when I call in XXXX the lady apologized and removed fees then again I had money in my acct when I made three charges they are telling me because the charges didnt post until the next day my avail funds I had cover other immediate charges so I was charge overdraft fees for charges that was posted the next day they charge me XXXX dollars fee each for transactions that didnt posted until the next day ... they are no help they were rude and no apology and they didnt explain to me still clearly how it works and I need those fees to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  report there is a closed account with huge amount of missed payments. WESTLAKE SERVICE INC Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA WESTLAKE SERVICE INC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. PORTFOLIO RECOVERY Reported : XXXX XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Product: Debt collection

On XX/XX/XXXX I received a phone call from a debt collector i believe to be H P Sears CO INC or XXXX XXXX XXXX, they did not tell me their name just demanding the last 4 of my social security number. I told them anything they have for me needs to be delivered in writing and told them to not call me and only send me my debt in writing. They called me back again today XX/XX/XXXX and demanded my information again, I told her to send me my debt in writing and that i told them on XX/XX/XXXX that I am not to be called so she shouldn't be calling me. She told me that they had, and she was calling me to follow up. I told her that I specifically told her company to never call me. She hung up on me without assuring me they wouldn't call, so I had to call back again to speak with another young lady and tell her to stop calling me and deliver what I need in writing.
Product: Credit reporting or other personal consumer reports

. I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX