23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Inaccurate Credit Reporting under the Fair Credit Reporting Act ( FCRA ) Dear Experian, I am writing to formally dispute the inaccurate information being reported on my credit file concerning my account with XXXX  XXXX Account Number : XXXX. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request an investigation into this matter. 

The account is listed with the following inaccuracies : 1. The account status is marked as " charged off '' with a balance of {$570.00}, which I contest as inaccurate.

2. The reported history of missed payments and negative remarks does not align with the proper procedures for verifying accuracy under the FCRA.

I believe this account may be in violation of consumer protection laws, including but not limited to the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : Incomplete Verification : If the information can not be fully validated with complete and accurate documentation, the reporting agency must remove the disputed account.

Statutory Requirements : Inaccurate, outdated, or unverifiable information must be deleted per Section 609 and Section 611 of the FCRA.

Please conduct a thorough investigation of this matter and provide me with a written response regarding your findings. If the accuracy of this account can not be verified or corrected, I request its immediate deletion from my credit report.

Additionally, please notify all credit reporting agencies of this correction as required by law. 

I expect a response within 30 days as outlined in the FCRA. You may contact me at [ your phone number ] or [ your email address ] if you require further information. 

Thank you for your prompt attention to this matter. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, Georgia XXXX 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I noticed an error on my credit report and I asked what to be removed. Miss spelling on my name and address ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Fl XXXX and i also would like for my personal statement to be removed off my report.
Product: Credit reporting or other personal consumer reports

Personal Information Correction and Update, Wrong Date Of Birth Reporting On my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly called Equifax and fraudulent inquiries on my credit report. Equifax told me to submit my Drivers License, Social Security Card, Proof of Address and an FTC Report. I submitted the requested documentation 5 times as Equifax kept loosing my documentation further exposing my identity. Equifax finally receives the documentation and then ignores it and sends me the attached report stating " Inquiries are a matter of factual record '' This is not factual. Equifax released my credit information without my consent and now they will not correct their actions even though I jumped through all of the hoops they required of me 5 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to Experian to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again. 

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

A letter was sent with a formal complaint that they are reporting inaccurate and incomplete credit information. I am distressed that they ( TRANSUNION, XXXX, AND XXXX ) have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be deleted. 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 that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed below. They failed to positively verify these accounts and it has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me with a copy of verifiable proof, they must remove the account listed below. The list of collection that are reporting has not been opened by me and I have no knowledge of them. By law I have the right to PRIVACY and you the credit reporting agencies have violated itthe list of accused collections account and dates are as follows : XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX  OPENED XX/XX/XXXX, XXXX  OPENED XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX.BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA under 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) accuracy and fairness of credit reporting The Congress makes the following findings with banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies added reasonable procedures for meeting the needs of commerce for consumer credit personnel, insurance, and other information in a manner which is fair and equitable to the consume, with regard tot eh confidentiality, accuracy, relevancy and proper utilization of such information in accordance the requirements.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Missouri Laws Dear WAKEFIELD & ASSOCIATES, I am writing to address the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and relevant identity fraud laws, including those specific to XXXX Missouri. 

It has come to my attention that WAKEFIELD & ASSOCIATES has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, mandates consumer consent for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, XXXX, Missouri, laws governing identity theft and fraud emphasize the need for consumer authorization in any activity involving personal financial information. Violations of these laws, including the misuse or unauthorized disclosure of credit data, can result in severe legal consequences, both under state and federal statutes. 

I assert that I have not provided consent for WAKEFIELD & ASSOCIATES to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and an undeniable breach of both federal and state laws. 

I demand that WAKEFIELD & ASSOCIATES immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable XXXX, Missouri, identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under both federal and state laws. 

I emphasize that obtaining consent is a legal obligation, not a discretionary action, under the specific sections of the FCRA and XXXX, Missouri, identity theft fraud laws. This is not a negotiation but a demand for compliance with the regulations protecting consumers from unauthorized credit reporting. 

I anticipate your immediate attention to this matter and expect that WAKEFIELD & ASSOCIATES will promptly rectify these violations, respecting my rights under both federal and state laws. 

Done in good faith.
Product: Mortgage

I basically did all the homework on this and figured it all out. Mr. Cooper pocketed {$320.00} in overage after my principle was paid off. I refinanced my house in XXXX with a settlement date of XX/XX/XXXX I discovered it while closing out my accounting books for XXXX using double entry method. I use double entry accounting method under XXXX  open source software. The strange thing is that the only way I was able to catch is because the losing lender pocketed {$320.00} in overage that they never gave back to me from the software categorizing monies in and monies out. At any rate, the summary is below. 

MR. COOPER UNPAID BALANCE GOING INTO SETTLEMENT $ XXXX XXXX ) was the principle left to pay going into the settlement. 

{$510.00} was my additional payment of principle on XX/XX/XXXX. 

$ ( XXXX ) was the final adjusted principle left to pay going into the settlement $ ( XXXX ) was the Reconveyance Fee going into the settlement $ ( XXXX ) was the County Recording Fee going into the settlement $ ( XXXX ) was the Expedited Delivery Fee going into the settlement $ ( XXXX ) Is the total Unpaid Balance ( UPB ) going into the settlement ( sum of the above ). XXXX XXXX SETTLEMENT ACTIVITY {$260000.00} was sent to MR. COOPER by XXXX XXXX $ ( XXXX ) was the new loan amount at XXXX XXXX $ ( XXXX ) is the difference between what was sent and the new loan amount. 

ALL DISBURSALS BY MR. COOPER XXXX WHETHER COMPLETE/INCOMPLETE ) $ ( XXXX ) Is the total Unpaid Balance going into the settlement ( sum of the above ). 

{$260000.00} was sent to MR. COOPER by XXXX XXXX {$1500.00} Overage $ ( XXXX ) Mr. Cooper disbursed this amount to me as a result of overage {$320.00} Is the amount of overage that MR COOPER failed to pay out to me, which I am recovering.
Product: Credit card

I called immediately when I saw XXXX charges for {$940.00} on my account. The representative issued me a new card and removed charges. Weeks later those charges are back on my account and again I advised the rep these are fraudulent charges from someone who works there or someone got hold of my information because I only came in for an oil change. My Credit limit is {$1200.00} there are XXXX charges for {$940.00} how did it go through? No one can answer my question. Now its back on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit file and I have noticed a few unauthorized activities that have taken place. The accounts that I have marked are inaccurate and have obviously been altered. I do not identify origination dates on those accounts, nor authorized any of the accounts listed below. My credit was injured vastly without my consent, no authorization to obtain money, goods, credit, loans, or services. Neither did I receive any benefit from this horrific situation. I am willing to work with the authorities. Someone has clearly been using my information since. I have filed a consumer complaint with the Federal Trade Commission XXXX. I WILL ALSO FAX AFFIDAVIT AND WANT THIS ERROR GONE WITH IN XXXX AS DICTATED BY FCRA.
Product: Payday loan, title loan, or personal loan

I was sent a check in the mail offering me a loan with XXXX XXXX, around XX/XX/XXXX. I cashed the check in of XX/XX/XXXX, started my monthly payments in XXXX of {$150.00}. I got with a debt consolidation company called XXXX XXXX XXXX to help consolidate my debt around XXXX or XX/XX/XXXX.  The following account with XXXX XXXX was added to the debt consolidation. I didn't make payments with XXXX XXXX moving forward, however I went to court for the account with XXXX XXXX to agree upon moving forward their payments will be received from XXXX XXXX XXXX. I have documents showing payments being made to them timely and a pay off date. I have been harassed about payments from XXXX XXXX, which they have indeed been reviving from XXXX XXXX XXXX on time ( I have documentation ). XX/XX/XXXX the account for XXXX XXXX was paid off in full thru XXXX XXXX XXXX. But now XXXX XXXX has been adding derogatory remarks to my credit report, and building late fees to my credit report, and not once XXXX XXXX have reached out to me regarding the amounts added to my credit report. Will upload a few documents showing proof of payments, and can provide more documents upon request. XXXX XXXX XXXX can be contacted also for proof or my lawyer with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company said that it would NOT make a hard inquiry but they did and it lowered my score. 

They used the name XXXX and call two or more times a day. It has turned into harassment. 

THEY SHOULD NOT HAVE RUN A HARD INQUIRY! THEY SAID THEY WOULD NOT.
Product: Mortgage

My mortgage with Cross Country Mortgage is an FHA loan which includes the taxes and insurances paid through escrow. Our regular home insurance & flood insurance was due on XX/XX/XXXX. When i called to inquire as to why these payments were not made, I was told that there was no invoice from the insurance companies. Both XXXX XXXX XXXX flood assured they were sent more than once. 
This is the first time I have heard of such a request. The prior years the insurance was paid as it should be, and Cross Country is well aware of the dates the insurance expires since they have a copy of the declaration with the dates on it. 
I was assured that this was going to be handled. They paid my flood insurance, but to this date have not paid my regular home insurance. I received notice from XXXX insurance that my policy will lapse as of XXXX XXXX XXXX. My insurance companies ad informed me of a " grace period '' of up to 90 days. If Cross Country shorts say XXXX other Mortgagees at approx. {$3000.00} each, that would give them $ XXXX to play with for 3 months. I feel this need to be investigated. I had also requested that my taxes and insurances be taken out of the loan and I would pay directly myself and offer proof to them, but was denied. Obviously Cross Country is not properly servicing my loan.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called XXXX And i spoke with a mrs.illenie for about XXXX mintues she was very hostile I explained to her my situation and explained to her How i filed a complaint with the CFPB. COMPLAINT NUMBER XXXX back in XX/XX/XXXX and I told her XXXX responded and stated this 'DESCRIPTION OF NON-MONETARY RELIEF Per your request to conduct a reinvestigation, we contacted the data furnishers vendor for disputed item on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified the information is not listed on your XXXX credit report. The results summary was sent to you for review on XX/XX/XXXX. ' i WILL ALSO PROVIDE DOCUMENTS IN SCREETSHOT. 

ms.illene stated she dont see where it was ever removed but as i stated i have the call when I reached out to XXXX  confirming that the account was removed XX/XX/XXXX. So i asked ms.illene do you mind being recorded she said No i dont give you authorization to be recorded ( sounds fishy ). I asked her do she have record of the cfbp complaint i filed so we can go over it so she can look at what her company responded and said she stated " NO SHE DOESNT HAVE RECORD " AGAIN WHICH IS SUSPECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was engaged in a dispute with XXXX XXXX and XXXX concerning a booking with XXXX XXXX. The disputed charge was resolved by XXXX XXXX XXXX. A refund was issued to XXXX and subsequently XXXX issued a refund to XXXX XXXX to resolve the dispute. My credit reports improperly reflected the situation. The XXXX XXXX charge that I refused to pay was not a legitimate charge by XXXX. I have tried to engage XXXX, XXXX and Equifax and have been unsuccessful or they don't care to reflect the correction this situation requires.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Ive had a used car loan first established with XXXX XXXX and its now under Bridgecrest since XXXX 2013. Ive had times where Ive fallen behind on my loan and I was offered an extension on my loan over the years. What I was not aware of and what was not explained to me was at the maturity of my loan, I would need to pay the interest for those extensions since I have a Simple Interest loan at the time of my maturity date. I now owe well over {$4000.00} and as I called the company today to explain that I was unaware that those extensions would mean I would be responsible for such a large sum payment at one time. Not only that, they would be hurting my credit score by reporting this as a late payment to the credit agencies. I expressed that I was purposely never told about this so that Bridgecrest could make an additional $ XXXX from me they would not have had if I didnt take the extensions. I never received statements regarding this nor updates or warnings or calculators for this information. It is not readily available or transparent on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved into these apartments, named XXXX XXXX XXXX XXXX the moment I saw the apartment, I did not like them, but I was better living in a hotel. I told them that I will not renew my lease after at the end of my lease. The stove they had in there was nasty and it caught on fire when I was cleaning it. The apartment had rats, ( never seen one, but I seen the dropping they left ). At the end of my lease, I handed XXXX XXXX XXXX, the front door key, plus the mailbox key and the guard gate sticker, and I cleaned the apartment, I do say the only thing I left was a bookshelf in one of the bedrooms and then I moved out. I talked to the manager that was there at the time, to see if I owed them anything, she told me no because I am moving out and not renewing my lease, I also asked her about my deposit, she then told me that she will email me about the deposit. I give her my email address and a forwarding address as well. When I moved out in XXXX of XXXX to this day XX/XX/2023 I have not received any email or a letter stating that I owed XXXX XXXX XXXX  anything . They also kept my deposit as well. I would like to have my deposit and have XXXX XXXX XXXX XXXX National Credit System off my credit report. They are hindering my score from going up plus hindering me from moving into another place to live. I have a video on my phone but I can't load it up on here, the file is too large.
Product: Mortgage

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Inquiries : CIC XX/XX/23
Product: Credit card

I am a completely XXXX military Veteran living off of a limited income. Over the last 6 months, my health issues have become so severe that I can no longer earn any excess income nor pay my bills. I have reached out to Discover numerous times and been given no help or remedy for the situation at hand. There is literally no one that will help me or provide information from the initial card agreement stating what remedies are in place in the instance of XXXX. I recently received mail saying I am about to be sued by Discover due to lack of payment. I don't understand why I can get no communication other than being told I am going to be sued. I have no money to take, no assets and no income. I am unsure what needs done for this creditor to work with me or at least communicate other than with threats of lawsuit.
Product: Debt collection

on XX/XX/20, I received an email from by credit card company notifying me that my credit score had dropped. This prompted me to check my credit report to see 2 collection accounts on my credit file from Choice Recovery , Inc. ( collection agency ) each for {$35.00} with XXXX XXXX XXXX. I had never heard of Choice Recovery , Inc. until XX/XX/20. I called XXXX XXXX XXXX and they confirmed they had made an error and the account had a XXXX balance. 

Choice Recovery , Inc. has 2 collection accounts on my credit file and did not validate the debt or give me opportunity to dispute the debt. The false reporting remains on my credit report. Choice Recovery, Inc. needs to be held responsible for making false reporting to the credit bureau 's and causing damage to people 's lives. 

thank you for your role in helping with this situation and putting Choice Recovery , Inc. on notice for their actions.