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

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the credit reporting agencies ( XXXX, XXXX, Equifax ) for not properly responding to my demand for wet ink signature agreements in the investigation for verification of the accounts making claims on my report. 

I have been trying to dispute inaccurate information on my credit report for several weeks now. 

I have contacted the credit reporting agencies multiple times and have sent them demand for wet ink signature agreements requesting that they investigate the accounts making claims on my report. 

However, the credit reporting agencies have not responded to my requests and only updated the information furnished from the same entities that initiated the erroneous claims to extort money from me and further injure my reputations I am frustrated and concerned that the credit reporting agencies are not taking my dispute seriously. 

The inaccurate information on my credit report is having a negative impact on my life. 

I am being denied credit because of the inaccurate information. 

I am also concerned that the credit reporting agencies are not following the laws and violating my rights. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to investigate disputes and to correct inaccurate information and report in accordance to my written instructions. 

The credit reporting agencies are not complying with the FCRA by ignoring my requests and demands. 

I am requesting that the Consumer Financial Protection Bureau investigate the credit reporting agencies for their failure to respond to my demands for deletions of the XXXX XXXX XXXX XXXX XXXX  all hard and soft inquires, and records of late payments including 30/60/90 day late payment reporting on the grounds that my signature consent was never garnished in the reporting of any of my information, my rights were never disclosed which wasted even more valuable time, and this very nature of the credit reporting practices being discriminatory, predatory, and defamatory ; which has led to adverse actions preformed against me, wasted time, mental anguish, significant financial hardship, and an unjust monetary benefit at my expense due to their cooperation with other companies to extort me by deceptively violating my consumer credit transaction rights. 

I am also requesting that the Consumer Financial Protection Bureau take action to ensure that the credit reporting agencies comply with the FCRA. 

Thank you for your time and consideration. 

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

I tried to speak with someone from Equifax and XXXX, both of them I was in the auto response loop going no where. The issue is I want to know why my score with both of them dropped XXXX points. And the options to do dispute online does not give you those choices. 
Why is it there is no one to speak with about this when there decision make a difference in our life?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX. 
Balance details 0 % paid off Balance {$620.00} Balance updated XX/XX/XXXX Original balance {$620.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$620.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX Balance details 0 % paid off Balance {$900.00} Balance updated XX/XX/XXXX Original balance {$900.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccuracies like inquiries and accounts which are unknown to me on my credit report, and I have not received a response from some bureaus, and it has been over 30 days since my complaint and others took more than 30 days for a response. I strongly feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and since it has been over 30 days so they should be deleted promptly. I demand these accounts and inquiries to be deleted immediately or I will file for litigation due to the stress you have cause me the stress has resulted in XXXX XXXX XXXX, XXXX XXXX and other conditions resulted from stress, the fact that you XXXX, TransUnion and XXXX are not respecting my rights as a federally protected consumer has heavily and negatively impacted the fair opportunity to secure any credit lines and or loans with a fair interest rate for my well-being and my children. I am a single mother of a XXXX and XXXX and these inaccuracies have prevented me unfairly to acquire a home and a car to provide my children a safe place to live and a reliable vehicle to transport them to school. My information was also impacted by TransUnion, XXXX, and XXXX data breach and it may have got into the hands of the wrong person. I repeat this is misleading in such a way and to such an extent that it has adversely affected credit decisions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding a hard credit inquiry from XXXX XXXX, which appears on my TransUnion credit report dated XX/XX/XXXX. The inquiry was not authorized by me and remains on my credit report despite attempts to resolve the issue directly with both XXXX XXXX and TransUnion. 

Background : 1. TransUnion Credit Report : My TransUnion credit report, dated XX/XX/XXXX, lists a hard inquiry from XXXX  XXXX dated XX/XX/XXXX. 


XXXX XXXX XXXX Response : On XX/XX/XXXX, I received a response from XXXX  XXXX regarding the inquiry. In their response, XXXX XXXX confirmed that they did not perform a hard inquiry on my credit file on XX/XX/XXXX, and verified with TransUnion that no such inquiry exists. 


XXXX. Ongoing Discrepancy : Despite XXXX XXXX  confirmation that no inquiry was made, the inquiry remains visible on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : 1. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH IQ DATA INT Account Number : XXXX DELETE FROM MY CREDIT REPORT I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL. 



FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT. 

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER. 

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 

WITHOUT PREJUDICE XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX XXXX**** ; XXXX XXXX** ; XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX** ; XXXX XXXX ( Original Creditor : 12 XXXX  ) XXXX** ;
Product: Checking or savings account

I did receive XXXX dollars from bofa but the claim was for XXXX its the same claim but the XXXX was wrote up with different claim number the sheriff did that please co tact me at XXXX or XXXX I already made a complaint before.
Product: Checking or savings account

Suntrust put a hold on my account to investigate and close it without notifying me. I have over 1k in the account that i cant access and use to pay my rent or buy food. I have been on hold with different people for hours to no avail.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX
Product: Mortgage

In XXXX of 2022, Loancare through their lawyers filed a MFRS ( Motion For Relief of Stay ) against my bankruptcy claiming I was over {$5000.00} in arrears. Through countless emails, time and work with the help of my bankruptcy lawyer we explained to them I was not behind and that the motion should be dismissed. 

While we were going back and forth LOANCARE sent a latter through their lawyers that I had an escrow overage in the amount of {$1200.00} and change that were going to keep because I was behind in payments. On XX/XX/XXXX LOANCARE through their lawyers files a motion to dismiss the MFRS because we proved to them that I was not behind on my payments. 

I have asked LOANCARE 's lawyers to have their client return my escrow overage to me since it is my money and I was not behind in payments. I still haven't received my overage.
Product: Credit reporting

I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 

XXXX XXXXI never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.
Product: Mortgage

Sir/ Madam I am XXXX XXXX , had a mortgage with Dovenmuehle Mortgage Inc , loan no is XXXX. I refinanced my mortgage with another lender and closed Dovenmuehle 's mortgage on XX/XX/2019 as per their pay-off letter which is attached with this complaints. 
My new lender paid {$500000.00} on XX/XX/2019 as per payoff letter for principal and interest on remaining days. 


But after the closing, they over charged unethically against my escrow balance. These are the charges. 

1. Mbs pool settlement charge as {$1000.00} on XX/XX/2019 ( It is not mentioned in payoff letter ) 2. Mip/pmi mortgage insurance as {$360.00} on XX/XX/2019 ( PMI for 2 months ). 

They already paid one month PMI insurance on XX/XX/2019 as {$180.00}. Please see the attached loan activity statement. 

They took unlawfully {$1400.00} from me, it is not an ethical and professional actions from Dovenmuehle Mortgage Inc to very good standing customer such as me. 
My loan originating date with Dovenmuehle Mortgage Inc is XXXX. 

Please kindly take necessary action to Dovenmuehle Mortgage Inc for refunding {$1400.00}. 

Yours Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Attachments 1.  Payoff Letter from Dovenmuehle Mortgage Inc 2. Loan Statement
Product: Debt collection

I disputed one collection agency on behalf of XXXX XXXX XXXX XXXX. the account was not to my knowledge. it was removed from my credit. XXXX a collection. Sequium Asset Solutions was placed on my credit report for {$3400.00}. This debt was removed once.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

XXXX. XXXX XXXX XXXX  XXXX XXXX Account XXXX  : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
Product: Checking or savings account

Today, a Bank of America representative in online and mobile banking ( XXXX ) stated that I could not transfer my own investment accounts from BofA Merrill to XXXX XXXX, because Im not working there anymore and I was the XXXX XXXX. Its a brokerage account. I can not buy or sell stocks or even see my account, during earnings season when many companies have just reported. 
My accounts are being handled by the " branch office '', I was told, so they have to transfer the accounts. 
The BofA representative refused to give me the name of the contact ( XXXX ) in the branch who was controlling my account and stated that she would let the branch ( at XXXX XXXX XXXX, in XXXX XXXX XXXX, run by XXXX XXXX XXXX ) know that I had called. The contact would not give me any information about my investment account. 
I asked if the person in the branch handling my account was XXXX XXXX was told yes. 

Therefore, additional contacts at BofA who are involved in the prevention of account transfers include : XXXX, XXXX XXXX XXXX XXXX  NY XXXX XXXX, XXXX XXXX XXXX XXXX  NY XXXX Thank you.
Product: Student loan

I am currently a XXXX and have been since XXXX 2014. However, in XX/XX/XXXX my Stafford loans from my XXXX were taken off of in-school deferment status by my servicer ( Great Lakes ) and I was asked to resume repayment and interest started accruing on my subsidized loans, which should be interest free while I am in school. 

I have twice submitted the form documenting my XXXX status ( signed by the registrar at my current university ), spoken with Great Lakes on the phone at least 8 times, and sent multiple emails trying to resolve the situation but they still have not resolved the issue. I have been given the run around rather than people actually trying to help me. For example, I was told they could not help me because their " system was temporarily down '' on multiple occasions separated by several weeks.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan for home improvement on XXXX at Upstart. On XXXX I received communication from Upstart via email that additional verification of identity information was requested. I provided this document on the same date XXXX. 

On XXXX at approximately XXXX XXXX I received notification via email from Upstart that my loan application was denied due to recent credit inquiries. I immediately called Upstart to get more information on this denial reason. The representative that I spoke to explained that they wanted to know if the other recent credit inquiry they saw on my credit report from another company turned into me opening up an account. I explained that I did not open an account with that company. The representative told me to send in documentation to show that a new account was not opened by that company. I emailed the documentation over to Upstart. During the same phone conversation, the representative stayed on the line to ensure they received the documentation and forwarded the documentation over to a credit analyst. I was on the phone for a few minutes. The representative came back on the line and told me that my loan application had now been approved. The representative instructed me to sign back into my account to accept the terms of the loan which I did and signed all documentation required for the loan. 

At approximatXXXX XXXX XXXX  I received another email communication stating that the loan application was now denied. I was shocked because I had just signed the loan agreement document earlier that day. When I logged back into the website to see the denial notice this time it was for a different reason. I then called Upstart Support Department back immediately to get more information. The representative that I spoke with told me that there was a discrepancy in information on my loan application compared to what was on my credit report. I asked the representative to explain what exact information was coming back as a discrepancy but they said they were not allowed to disclose that information to me. They told me I should check with my credit reports to ensure all information that was reported was accurate. So I contacted all three credit reporting bureaus- XXXX, XXXX, and XXXX and the personal information listed on my profile was correct and matched up to what I listed on the loan application with Upstart.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. 

Account : XXXX XXXX XXXXXXXX number XXXX XXXX ( CLOSED ACCOUNT ) payment late year XXXX and charge off years XXXX. 

In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Vehicle loan or lease

I bought a car from XXXX XXXX XXXX, In XX/XX/2018 They directed me to a finance company called XXXX XXXX XXXX. I thought this was a typical finance company, which when you are late you pay a late fee.. 

Anyway my due date on my loan is the XXXX of each month. I have been late each month but no over 30 days late. I am basically a month behind. I am seasonal business and my cash flow varies. I do not have a problem with paying a late fee. 

Now here is the part I did not understand when I signed the loan because I expected a simple car loan. In addition to the late fee XXXX charges a daily fee of {$12.00} up to the 30 days which added another {$370.00} to my monthly payment. Basically I have been paying interest only. I did not realize this until 8 months into my loan when I looked at the statement and did not understand why my balance was not being reduced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX, Trans Union, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. The credit bureaus only sent me a report stating that the accounts were verified. They refuse to provide me with the METHOD of Verification of their investigation. I have demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported on my credit file. They have failed to respond satisfactory within the 30 days of receipt of my certified letter. They must now remove the account due to the company unable to provide me a copy of verifiable proof. They are now liable for willful non-compliance with the FCRA.