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

XXXX XXXX Date of birthXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Telephone number : XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXX XXXX Type of disputed information : credit card Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 3 Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 4 Account Number : XXXX Account Name : XXXX XXXX  Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 5 Account Number : XXXX Account Name : XXXX XXXX  XXXX of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 6 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX of disputed information : collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Thank you. 

Sincerely, XXXX XXXX
Product: Credit card

I opened up a Revvi Credit Card to help rebuild Credit. Revvi 's advertisement was misleading and fraudulent. Revvi informed me that there was a grace period as well as a {$95.00} Program Fee. I did not mind paying the {$95.00} Program Fee. However, I was very surprised to learn that payments are due the same day with no grace period. And, if you did not pay on the due date, the next day, there would be a {$41.00} late charge fee in addition to rising interest rates.
Product: Mortgage

Community Loan Servicing XX/XX/2021. 

After making regular monthly payments, suddenly in XXXX I started receiving notices of overdue payments and the process of forbearance. According to their website, they subtracted {$1000.00} from my previous payments which then showed I was behind by two months. I called their customer service and they said I put a stop payment on the XXXX payment for {$1000.00}?? The payments are only $ XXXXmo. Rep said I could send a dispute with documentation of the last 6 months Bank statements showing the ACH payments and I would get a response in 24-48 hrs. Sent dispute paperwork on XXXX, didn't hear anything for a week. Forwarded the first email with a follow-up email on XX/XX/XXXX. On XX/XX/XXXX got a call from collections trying to get me to make a payment telling me he doesn't see the dispute or the emails. Then he found the emails and gave me a different number for the resolutions team. That turned out to be the number of an apartment complex in XXXX XXXX. Called back ( each call is an hour long wait to talk to a person ) and she gave me a completely different number. Called that number, and after a hour on hold the line disconnected. Meanwhile, my insurance company of two of my rental property 's sent me notification of re-rating due to default on my mortgage and I have received several letters from Community Loan Servicing informing me that I am in default of my loan and may soon start the foreclosure process Finally on XX/XX/XXXX I spoke with someone ( another hour on hold ) who said they fixed their mistake and loan was current and they were going to fix the credit reporting in 2 or 3 weeks. In the meantime my bank is re-reviewing my SBA application for a business sale and is in jeopardy. I have still today not received any conformation from Community that I am disputing their records. They said they can only correct the record and can not contact my insurance company to explain what happened. They can not explain what happened?? Just to say it was a mistake in the payment processing dept. How can that be? All my payments are ACH which is an automated process? How can you " stop payment '' for {$1000.00} when the payments are {$760.00}? Mistakes happen, I get it, but how you how you react to fix it is how you are perceived. Customer service is WAY down their list of priorities and feel bad for their frontline employees who have to deal with the incompetent Ownership and Management of this company. Its greedy to take on more business than you can manage effectively.
Product: Mortgage

We requested mortgage assistance that would decrease our monthly payments and remove our delinquency ( such as a modification ), instead we were offered a repayment plan that doubled our monthly payment of {$1300.00} to {$2700.00} and had a balloon payment of {$13000.00} at the end of twelve months. We are having financial hardships and have had since XX/XX/XXXX when my husband lost his job because of the global financial crisis of XX/XX/XXXX. We have been going back and forth with Select Portfolio Servicing since to receive an affordable house payment. They did lower our payment from over {$2200.00} ( more than our income ) to {$1300.00}. Even though they lowered our payment, the new payment had a debt-to-income ratio of 70 %, leaving us without enough money to our bills. For over eight years we had built up debt to friends, family and neighbors that loaned us money and have struggled to repay the loans. Our mortgage servicer SPS has continually told us that there are investor restrictions preventing them from giving us an adequate loss mitigation program. We have read the pool servicing agreement and do not see this restriction. They also had claimed to participate in HAMP but treated all our HAMP applications as a non-government request and have not acknowledged that our request were HAMP. They also claim that there are investor restrictions against a HAMP loan as well. We submitted XXXX HAMP applications at the end of XXXX and were turned down on both. We are very tired of this ten year run around and wish to resolve our problems without losing our home.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, 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 creditorXXXX 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. 
ACCOUNTS : XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Credit Bureau or Kikoff Inc., I am writing to formally dispute the debt of {$800.00} reported by Kikoff Inc. on my credit report. This debt is inaccurate, and I request its removal for the following reasons : Kikoff Inc. offered a service that I did not want or find beneficial. I initially paid for XXXX months of service, believing it would improve my credit score as promised. However, the services provided did not fulfill the stated claims or offer any meaningful assistance.

Upon realizing this, I promptly contacted Kikoff Inc. to cancel the services. Despite this, the company reported a negative entry on my credit report, claiming I owed {$800.00}. This claim is false as no valid services or goods were rendered to me to justify the debt. 

This appears to be a malicious attempt to harm my credit standing, and I request that this inaccurate information be removed immediately from my credit report. 

Please investigate this matter and notify me of your findings. Attached are any supporting documents relevant to my claim. I look forward to your prompt resolution. 

Thank you for your attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Ocwen has taken excessive amount of time issue a modification. We 've been told clients are approved but have yet to receive the documents.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : 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 UMB- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UMB- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to section XXXX of the Fair Credit Reporting Act ( FCRA ), this company MUST remove this item of information from ALL consumer reporting agencies if the furnisher of information has reasonable cause to believe that the information is inaccurate or if the disputed information is found to be inaccurate, incomplete, or unverifiable. I have been going back and forth with this company and they claim to comply with the FCRA ( see yellow highlighted paragraph in exhibit A ) however, even with undeniable proof ( exhibit B ) they are still willfully violating the FCRA by keeping the item of information on a consumer report ( exhibit C ). Section 623 ( b ) ( D ) and subparagraph ( E ) ( ii ) states that a data furnisher must report those results to all other consumer reporting agencies to which the person furnished the information. XXXX XXXX did NOT do that and please keep in mind that Consumer Reporting Agencies promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer as stated in 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ( ii ) I demand that XXXX XXXX deletes this item of information on ALL consumer reports and compensate me for these damages. Please see attached documents that support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

identity theft, and I am writing to dispute specific accounts in my file as a result of the crime. The accounts I am challenging have nothing to do with any transactions involving the acquisition of products, services, or money that I have made or authorized. Please stop reporting any information in my credit file that was obtained through identity theft. I'm not familiar with these accounts. Also, the information you gave on certain accounts has been DELETED from other agencies, raising questions about their authenticity, and the recorded payment history on several accounts is a mystery to me. Authority to deny or withdraw, as required by FCRA 605B ( c ) ( 1 ) ( C ). The Credit Reporting Agencies, you, are obligated to erase the disputed entries totally from my Credit File under the terms of the Fair Credit Reporting Act section 605b. Please delete the following accounts from my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several items on my credit report, I discovered unauthorized accounts and transactions on my credit report from XXXX, XXXX, XXXX. I did not open these accounts or authorize these transactions. 
The following accounts/transactions are fraudulent : Collection Account with XXXX XXXX XXXXXXXX for the amount of {$9800.00} Credit cards : XXXX  XXXX and XXXX  XXXX accounts totaling {$930.00} and {$720.00} Collection account with Radius Global Solutions LLC for the amount of {$1500.00} Collection account with XXXX XXXX XXXX for the amount of {$1600.00} Credit Card : XXXX XXXX  for {$80.00} Multiple unauthorized inquires from medical debt resolut via XXXX XXXX XXXX, radius global solutions, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX 
I have taken the following steps to address this issue : Notified XXXX, XXXX, XXXX of the identity theft and requested a fraud alert on my files. 
Under sec. 605b and USC 1692
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

I went to the XXXX  when I was employed and had insurance on XX/XX/2016. This is still on my credit report. Please help me resolve this error in my credit report. 

Original CreditorXXXX XXXX XXXX XXXX XXXX XXXX XXXX American Adjustment, XXXX $
Product: Mortgage

I was looking to refinance my home so I XXXX and Amerisave came up. They process everything and I emailed me about offers and steps. I talked to a person name XXXX XXXX. When spoked he gave me the steps and outline promising me that I can refinance for a better interest rate than I already have. He asked me all my information and ask me to send my information to refinance a home promising me that it will pass thru and a appraisal will call as it will be the next steps. I have asked him multiple times if my debt to income ratio might be a problem and if that might reject the application. He stated that it shouldnt be an issue. As I submitted everything and my application was rejected. I tried calling, texting, and emailing XXXX but he has ignore all means of communication. He refused the explained to me what happened. If I knew my debt to income issue was the problem I would never complete the application for them to process my credit.
Product: Bank account or service

My spouse wrote me a check for XXXX on a business account using my name instead of the business account name. She marked out the address preprinted on the check and wrote in the correct address. I deposited the check via the ATM not realizing it was written to me instead of the business. My wife 's credit union paid the bank as the funds were available. Sun Trust bank flagged the check as fraudulent and began an investigation. I provided all of the appropriate documentation to clear up the mishap, the bank finally cashed the check and closed my business account. The bank has smeared my creditability.
Product: Debt collection

My credit reports have an adverse action submitted by Southwest Credit Systems, LP, XXXX XXXX XXXX, # XXXX, XXXX TX XXXX. Telephone number XXXX. It indicates my address is in XXXX - I live in XXXX. The creditor is XXXX and I have never had an account with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX credit reporting about and issue with 4 outstanding credit notes on my report, all were disputed and claimed investigation pending? Both Equifax, and XXXX were contacted several weeks later and were questioned on the status? And how could my score drop when court documents and arrest warrants were filed as Well? The answer I got was we don't investigate anything all we do is put the information from the credit card company in for information? So my next question was so you don't confirm anything they answered no. The managers name was XXXX and wouldn't give the last name but was in the fraud unit? He went onto state that Fico does the scores and not them? I then contacted Fico and questioned them on how does a dispute get handled? The manager stated that he doesn't do any investigation for fraud and he does is take what the credit companies submit but does not verify anything? So here all three company 's charge consumers for fraud protection but none do any investigations and only rely on what the credit card company submits? Nothing is confirmed at all through the courts or anything, but yet you are charged every step of the way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I submitted a request via mail asking the credit bureau to look into specific accounts reporting on my credit as they contained information that was incorrect. After 60 plus days, the information came back verified. I then sent out a letter in XXXX specifically asking for METHOD OF VERIFICATION of those accounts. As I have attempted to reach out to the creditors myself via phone, mail and other sources. 

XXXX, after doing a through investigation was not able to verify any of the accounts. They were DELETED, and the 2 that were able to be verified correctly updated the information requested and fix the problem. All Creditors report THE SAME information to each bureau. SO, no discrepancies should be in my reports. 

XXXX and TRANSUNION both CLAIM to have verified the accounts. But I requested my CREDIT FILE via 609 letter and method and have received nothing. It is against my FCRA, FCDPA, AND FTC rights to have a accurate representation of myself with creditors. When you have these XXXX companies reporting outdated information or incorrect information it reflects when I apply for new credit. 

I am attaching the SPECIFIC letters I sent and verification I sent to the creditors and request that this information be verified by credit file on it be sent over to me or DELETED, because I have requested the information twice and received nothing pass the 60 days needed to do a through investigation. 

Because on XX/XX/XXXX, I sent a letter out for the 3rd time specifically detailing how they kept verifying collections that I previously sent them factual documents that were proof it was paid. It was not until I filed an CFPB complaint after the collection companies could not produce sufficient documentation to me, they deleted it. 

I furthermore, contacted XXXX and spoke with a representative named XXXX, who tried to inform me that their method of reporting is correct. When I pointed out the discrepancies in their reporting and updating information to cover up not properly investigating. I received an email update to my personal information that I never requested and is not a means of verifying nor did I request a phone dispute. I requested to get my documents only and verify they received the correct letter. She refused to address my specific question and was told a supervisor would contact me. I have moved forward with contacting my Attorney General, as both companies were previously sued for the same claims in XXXX. I am requesting it be verified and information sent over, or I will pursue legal means of getting the corrections made and violations paid out due to the stress is causing me to obtain credit for things I need. 

see attachments.