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

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ Credit Bureau EXPERIAN. regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report XXXX  ], I discovered discrepancies in the following account ( s ) : Account Name : XXXXXXXX XXXX Account number : XXXX Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy.

Despite my request, [ Credit Bureau EXPERIAN. Has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i.

Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : [ List any supporting documents you are including, e.g., copies of your dispute letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an account that is fraudulent thats on my credit report XXXX XXXXXXXX XXXX account with an amount of {$9800.00}
Product: Mortgage

We have been trying to refinance a XXXX loan with the Servicer SETERUS for over one year. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. They finally sent the refinance after one and one half years at almost 6 Percent. However, they continue to change the monthly payments, are es crowing Money for taxes that do not have to be paid, and Overcharging for forced placed Insurance when we had in place insurance ( Military XXXX Vet, he is except form Taxes. XXXX has spent hours with XXXX at XXXX and she has been helpful, but is limited on her assistance. 

Thank you XXXX XXXX POA for my brother XXXX XXXX XXXXXXXXXXXX XXXX or XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account or Reference # 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 a account without my written instructions|
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the collections account that appears on my credit report, in the amount of {$6800.00} ( or recently increased amount ), where XXXX XXXX XXXX XXXX is listed as the original creditor, and XXXX XXXX is listed as the creditor. XXXX ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of all data being reported regarding this information and requesting that you remove the account from my credit report immediately. XXXX ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments for collections can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments for collections be deleted from my credit report as they are incorrect and unjustly damaging my credit score. This is an immediate demand that all inaccuracies being reported on my consumer credit reports must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage, serviced by NewRez ( and previously XXXX XXXX XXXX XXXX refuses to acknowledge receipt of and properly apply my BPO to my PMI removal request. 

I had an ongoing PMI removal process APPROVED by XXXX XXXX XXXX, under final review when NewRez purchased the servicing of my loan. This process too 20+ phone calls in total, due to the following. 

They repeatedly refused to acknowledge the existence of the XXXX, and kept sending me new BPO request letters, as if the original valid BPO was lost during the move. 

Even after paying the exact amount XXXX provided to me to pay for PMI removal ( lump sum oXXXX XXXX  ) and getting a valid BPO, they refused to acknowledge it and remove the PMI from my mortgage. 

Additionally, NewRez has no message portal where users can view their sent and received messages, and their mortgage servicing department can't even see the messages you sent! This leads to messages being sent into the void, with NewRez servicing constantly gaslighting users about what messages they did or didn't send and what was uploaded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Account # XXXX : XXXX, Account # XXXX : XXXX ( XXXX ) :, Account # XXXX : XXXX, Account # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I had my Bank of America debit card compromised back in XXXX. When I realized someone was charging on it I called the bank to cancel card get new one issued and then disputed the transactions that took place. They went through the dispute process and credited my account {$2400.00} - 3 months later on Friday XXXX XXXX, they did a credit reversal for {$500.00} and {$250.00} on my account. They said there is nothing more that they can do. Its like stealing money from me. I never made the puchases. They credited the other amounts and left me high and dry. {$750.00} is not a lot of money to B and A but to me who when through an unforseen layoff its a lot. I have been with B and A for over 30 years as well. I need help,
Product: Checking or savings account

It has been nearly XXXX days since my paycheck deposit was due ( starting on XX/XX/year> ), and this delay is severely impacting me both personally and financially. I have a newborn who needs diapers and formula, as well as bills that are past due. Ive called the bank XXXX times, each time waiting almost an hour to speak with someone, only to be told repeatedly that the issue will be resolved by the end of the day. However, XXXX days have passed with no resolution, and Im still without my funds. 

The amount that is expected to be deposited is nearly {$1500.00}. And I see no timeline or resolution in the coming days, the company seems as clueless and confused as I am.
Product: Mortgage

I applied for a mortgage loan with Rocket Mortgage in XX/XX/2019. I was pre-approved for a loan and had completed all paperwork and documents required. I had asked multiple times if there would be any problems with my loan. I was told every time that the loan is good and that there are no problems. I also got a second pre-approval for a higher amount. My current home is under contract being sold and the new home I was looking at is also under contract to be purchased by myself. Again I verified that there was nothing that would hold up the loan or to be worried about getting denied. All of a sudden I get a call on XX/XX/2019 stating that my loan is denied and there is nothing I can do about it but submit this complaint. I tried to get information but kept being told that my loan is denied and would never be looked at or reconsidered.
Product: Checking or savings account

After reviewing my Early Warning Systems and I noticed accounts that were not familiar to me. I sent a validation letter to XXXX and have yet to receive any information that justifies the reporting of the account on my Early Warning report. Please find a list of accounts below. 

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

XXXX XXXX XXXX XXXX XXXX and I C SYSTEM are infringing upon my rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) YOU HAVE A GRAVE RESPONSIBILITY to respect my rights to privacy. I Did NOT give my writing consent for either of these companies to report anything to my consumer report, and you reporting these accounts to my report is a VIOLATION!!! Pursuant to 15 usc 1681a ( 3 ) ( e ) there is NO reason for you to do investigation, because if anything comes back factual it can not be furnished on my consumer report! SO THE BEST OPTION is for you to DELETE IMMEDIATELY! 

These are the accounts that need to be removed : Account name : XXXX XXXX XXXX Account number : XXXX These are the accounts that need to be removed : Account name : I C SYSTEM Account number : XXXX
Product: Credit reporting or other personal consumer reports

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 XXXXXX/XX/XXXX Dear Trans Union Supervisor Dept, I am writing to dispute fraudulent accounts and inquiries on my credit report. I have filed both an FTC Identity Theft Complaint and a CFPB Complaint regarding this matter. I request the immediate removal of the fraudulent information detailed below from my credit report. 


FTC Identity Theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute the following accounts and collections, as I have no knowledge of them. 

XXXX XXXX I've had several accounts from this company, but this particular account does not belong to me. I am requesting its removal from my credit report, as I have never been late on any payments. 

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 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 Legal Basis for Removal : Under 15 U.S.C. 1681c-2, I am formally requesting the removal of the fraudulent accounts and inquiries, as I have been a victim of identity theft. This is my legal right to have inaccurate or unauthorized information blocked. 



Thank you for addressing these concerns. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Product: Vehicle loan or lease

This complaint is regarding Kia Motors Finance. My normal monthly payment is {$370.00}. On XX/XX/XXXX I made an online payment of {$1000.00}. I expected the monthly payment to be paid and the remainder go to the principal of the loan. On XX/XX/XXXX I went to make my monthly payment and the total amount due stated XXXX. I called KMF customer service and explained how I wanted the previous months payment allocated. The representative said it could be done and submitted an order to move {$620.00} to the principal. I then asked the rep what the payoff balance would be for that day ( XX/XX/XXXX ) and he stated that since I was being credited XXXX the payoff would be {$3300.00}. I immediately paid that amount on their website. I asked the rep when I would receive my title and he stated after the payment clears the title will be sent within XXXX business days. When I received my statement for XXXX XXXX my {$3300.00} payment did not appear and in fact it show I missed a payment in addition to another payment due for a total of {$740.00}. It also showed that XXXX payments remained on the loan. After being away for the XXXX holiday, I called Kia on XX/XX/XXXX and explained the above. I asked the rep to review the phone call from XX/XX/XXXX to hear what the rep stated was the payoff balance told to me by the employee since she stated there was a remaining balance on my account. When she was unable or unwilling to do so I asked for her supervisor. I waited for 20 minutes and A a woman named XXXX XXXX who refused to give an ID #, told me she would check into my issue, placed me on hold for another 20 minutes and disconnected the call. I immediately called back into customer service got another rep, explained again, asked for a supervisor again and was hung up on again. I called back on XX/XX/XXXX and went through the same scenario 4 times. Speaking with supervisors XXXX, XXXX, XXXX XXXX, and XXXX. All of whom were rude, obnoxious and unhelpful and who all placed me on hold and disconnected the call. My XX/XX/XXXX and XX/XX/XXXX statement both do not show my payment for {$3300.00}. KMF has not properly accounted for my payment and and continues to keep an open balance balance on my loan and continues charging me interest since XX/XX/XXXX. They will not escalate the issue, refuse to access audio recordings to shed light on the discrepancies, and refuse to take accountability for mistakes made by their employees. I contacted the so called Customer Affairs Division who quickly tells you they only deal with warranties. No one was willing to assist me in getting this issue resolved. 
I would like the recording from XX/XX/XXXX when I was directed to pay {$3300.00} to pay off my car to be listened to and or released. I would also like any interest charged from XX/XX/XXXX to date, to be removed, my account closed and title released.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out serval times to get a payment arrangement was not offered the help until today how ever I was recently reported as not current after serval failed attempts of trying to pay the minimum. I have communicated an asked them serval times when I was unable to work they told me over the phone they didnt have anything to offer months later I got an email stating they offer payment arrangements. Then I have tried to get a payment arrangement it wasnt until today I have finally made contact to get one finalized three months later. Completely ridiculous no one should have to go through. Horrible communication with this company. After several attempts of being persuaded into keeping my card open I was then put on a payment plan today. All of this could have been avoided if I was given the correct information the first time.
Product: Credit reporting or other personal consumer reports

A hard inquiry was done on XX/XX/year>, from XXXX XXXX XXXX I do not recognize this inquiry nor did I submit this inquiry. This is incorrect.
Product: Payday loan, title loan, or personal loan

Upstart invited me to apply for a loan then pre-qualified me via credit soft pull for an {$11000.00} loan. My credit score was XXXX at the time with an excellent payment record. They had me upload a video promising to pay the amount I accepted back. I did record and upload the video as well as upload the verification documents, after the video was uploaded they denied the loan on a Sunday in XXXX minutes, although my record of payment with creditors is excellent. 

The only reason they denied the loan so quickly after I sent the video and Id verification is because I'm XXXX as they had no reason to renege on the loan. I have emails from them that show a change in attitude once the video was uploaded. Up until they saw my XXXX  XXXX all was good, suddenly when they saw my XXXX the loan was denied. 

They never did a hard pull, but did do a soft pull of my credit after which time they offered the loan. Then after the video was uploaded they denied the loan..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to XXXX  requesting that personal information be removed. They have failed to do so. 

I have also written XXXX  to dispute unverified and information that has NOT been properly validated, but continues to be reported on my XXXX  Credit Report. 

CCS Collections XXXX XXXX XXXX XXXX , XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX This account was charged off in XX/XX/year>. However, since then, the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account. 
Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cant view or monitor my Equifax credit report. I continue to call into the XXXX and placed on holds with XXXX customer service from Equifax. I was apart of the data breach and part of my settlement is to have the ability to view and monitor my credit report. Equifax keeps taking away my ability to view and monitor my report which is a breach of the settlement.
Product: Credit reporting or other personal consumer reports

Please do not open the claim on my behalf. If youre not not gon na speak or defend me on my behalf, you are opening a claim on my behalf to defend the thieves. Obviously everything I told you just went over your head, one ear out the other, because you still dont understand whats going on. That was XXXX XXXX. I never agreed to getting a loan from the criminals XXXX  that was not me so when I found out XXXX  was taking money from my account the first time I thought nothing of it the second time thats when I told them. Hey stop taking money from my account I dont know who these people are it was not me that took the. Loan. If your claim is correct then why did XXXX send me a letter about one year ago telling me they apologize and started sending me some money back. I have a check from them for {$26.00} and they were supposed to send me my other check so if they are so adamant and so correct why did they decide to reach out to me a couple years later, explaining their error?. Once I refused to pay the criminals that XXXX  at that time was so adamant that I got a loan from. thats when everything started going down. Listen!! you can talk and say this and say that I have documents and I have receipts I got denied yesterday from opening a business bank account with XXXX and they referred me to a thing called Chexsystem telling me they should have an answer why you were denied as I go to Chex system and try to register they tell me I have an account with them already. Long story short it came down to my email that they have on file when they send me a pin code. It direct me to phone numbers an email for me to receive my pin, the numbers and email are not mine and are not connected to me, I do not know and have no connection with that email. All they are doing is allowing the criminal to be aware that I tried to login its just basically tip the criminal The PIN is going to a scammer and criminal,. I was denied my checking account and the reason for denial I was referred to chex system for the answer as I go to chex system and try to register it tells me I already have an account with them trying to figure out my account with them. it leaves me to a one-way pin that I can not receive because the phone numbers and email does not belong to me. Its very deep!! when you think about it? ( the same company that denied the opening of my business checking account are the same people allowing the scammer and criminal to open and register an account pretending to be me ) this is how sad its become where the people that denied my bank account opening are the same people that has allowed a criminal and a scammer hacker to open an account pretending to be me. This is what Im dealing with.!!
Product: Mortgage

Bank of America supposedly gave me a mortgage for my home in XXXX 2003. However, I have discovered that they sold that mortgage in XXXX of 2003 to a pool of investors as part of a Mortgage Backed Security. I have a PSA ( pooled Service Agreement XXXX showing a series of Mortgages sold by Bank of America and the series of my mortgage being one of them. However, they continued to send me a monthly statement for years collecting on a mortgage that they no longer owned. This is Fraudulent. Then when I fell into financial hardship, without knowing about the Fraud, they tried to forclose on my home. If anyone had a legal right to forclose, it would be the new investors that brought the Mortgage Backed Securities in the open market. However they are not interested in owning homes just securities. The bottom line is that not only did Bank of America make the money twice over on the home, so did all of the investors as these Mortgage Backed Securities are traded in the open Market. Bank of America has fraudulently been charging me monthly for many years and then when payments stopped due to hardship and failed attempts at modifications which did not help because Bank of America was just placing the missed payments on the back end, they filed a judgement against me for non payment. The question is non payment of what? They did n't have the mortgage anymore?