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

I recently submitted a request for investigation of the above noted account, 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 I have never been late on these account 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 XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, 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 creditor/CA 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. 

XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below? 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : EXPERIAN XXXX XXXX, INQUIRY DATE XX/XX/2021
Product: Consumer Loan

Received a collection call from the company who has the loan. It is a vehicle loan. The collector said that they would take my home and that the dealership made the first payment, if so there is no issue. Total lies.
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 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 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 # XXXX has violated my rights I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

In XXXX my old mortgage company XXXX XXXX XXXX, XXXX sold my current mortgage loan to Freedom Mortgage Corporation. Freedom notified me by mail that all future payments would be made to Freedom Mortgage Corporation, and they provided me with a new account number. They never indicated whether my payment date was changed from the XXXX of each month. With the new account information they provided, I created an online profile for Freedom and linked it to my XX/XX/XXXX account. I began making all my Mortgage e-payments to Freedom as agreed at the end of each month. On XXXX XX/XX/XXXX, I applied for an auto loan with XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX, and I was denied financing for the total amount. I received a letter in the mail from XXXX stating the reason why I was denied. It said, Credit bureau report shows delinquent credit references, which was the reason for disapproval. I immediately pulled a copy of my credit report and checked it for inaccuracy. Freedom Mortgage reported two late payments to the credit bureaus dated XX/XX/XXXX and XX/XX/XXXX. I contacted Freedom disputing department and inquired about it. I informed them that this discrepancy was completely inaccurate based on all payments made by me on time and processed by my back XXXX. After a review with Freedom, who looked at my payment history from XXXX to XXXX. Freedom concurred that no payment was ever missed on my account. Freedom also permitted me to refinance my loan with them in XXXX for a better Annual Percentage Rate ( APR ) because my account was in excellent standing. Additionally, in XXXX of XXXX, they also offered me a reduction in my mortgage rate, which I took full advantage of. This account is currently closed because of my refinancing with Freedom. When I respectfully requested that they removed the late payments, their justification was, the payments were late, and due to the fair credit reporting act, they can not remove them. They informed me it must stay on my credit file for the entire seven-year duration until it falls off. Any help that you can provide will be greatly appreciated. This blemish has impacted my credit score and caused me to be subjected to financial bias.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  ) with their collection agency ( " XXXX XXXX ) are entering false records on our credit reports with no accountability. 

XXXX XXXX XXXX  gives credit to people without checking their identities ( no KYI ) and in violation of both FCRA and Banking Regulations by granting credit ( using the personally identifiable information other than their customers ). XXXX XXXX XXXX  fails to do their XXXX  ( verify the identities of credit applicants ), no XXXX  and XXXX on their customers before and after they issue credit cards. 

Beware of doing business with XXXX XXXX XXXX  and XXXX XXXX  who violate FCRA rights and Banking Regulations. 

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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance XXXX {$860.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00}, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$890.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$430.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$100.00}, XXXX XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$240.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$74.00}, XXXX  XXXX XXXX : {$200.00}, XXXX  XXXX Balance : {$31.00}, XXXX  XXXX Balance : {$540.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have tried numerous times with this company to have a particular account removed even after the original creditor agreed removal. The following accounts I have reported have already been paid and agreed removal by the orignal creditors. Experian is constantly violating my rights as a consumer and tarnishing my name. They have never not once shown proof of validation, just use of their computer systems validating a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received an alert that a collection account had been posted to my XXXX   account. I went onto my XXXX account to find that a debt collection company called Williams Rush and Asso llc had posted an account for an auto loan I had co signed on a couple years ago. The orig. Lender had posted info as to balance, type and responsibility, But the debt collector gave false information. Listed type as EDUCATIONAL, Responsibility as INDIVIDUAL, Balance XXXX HIGHER than posted the day before from original. This debt collector, to date has not contacted me by any means, so I disputed this information and supplied documents to XXXX XXXX to prove BALANCE, TYPE and RESPONSIBILITY. To my surprise within a couple days transunion had posted their findings without even receiving the documents I had mailed yet. The finding was " meets FCRA requirements '', case closed. Then along came XXXX and disputed with the same outcome. I provided copies from original creditor as well as copies of credit reports showing what original creditor put on credit reports up to the week of the change from original creditor to williams rush and asso.to both CRA 's. This collection is totally believed by CRA 's and they can list anything they want to. Due to type of income I have I am worried that this collection agency used EDUCATIONAL as type of loan to try and freeze my bank account. The findings leave me to believe that this collection agency can pretty much lie and its okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for mortgage loan back on XX/XX/2020 and had a credit inquiry placed on my credit report by XXXX. This is understandable as I signed an application knowing my credit would be checked that day. One inquiry was noted on my XXXX  report as well as my XXXX report. No issues. Then I noticed on XX/XX/2020 that I had another inquiry from the same company on my XXXX  report in 2 inquiries on my transunion report. this was never authorized and I was never notified that my credit report had been viewed fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT DO NOT BELONG TO ME, UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT SAYS CHARGE OFF THAT IS INACCURATE, SEE LETTER OF EXPLANATION.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 XXXXXXXX XXXX XX/XX/year>
Product: Student loan

I have applied for, and qualify for, income driven payments. These are all handled on XXXX website by the XXXX. 

Navient refuses to accept them, and requires me to submit them manually, intentionally putting additional steps between me and my income-driven repayment plan that are not necessary. 

My other student loans have easily switch to income driven payment with a single application on the XXXX website, except for navient.
Product: Credit reporting or other personal consumer reports

I submitted complaint on XX/XX/year> thru the CFPB about Equifax. To this date I have not received a response it is now over 30 days. As per the FCRA I should have been notified within 30 days
Product: Mortgage

I am behind months in payments, this is accurate and I called to pay in full, they refuse they want it wired which I have no time for this. If they took my pay by check it be paid by now! I also had an agreed upon modifications where we pay XXXX for so many months and towards end it goes up to only XXXX tops! They suddenly started charge me an added XXXX a month that is half my whole mortgage payment. When I said we have a modification they told me read small print they can change the agreement at any time! I never heard of such disgusting works! Then when I asked why is our mortgage up by half it's full payment, they said due to lack of equity at the end of the year. So they sent me an equity statement which shows it lacks maybe by barely XXXX for the full year! That is hardly justification for an added XXXX external month! I'm at a loss I feel like they're bullying us! Someone had to stop these people and their wrongful deeds. If you even take XXXX times it by 12 months that is an added XXXX!!!!! My yearly taxes are only XXXX, and they cover only flood ins of about XXXX that is a total of XXXX that isn't XXXX, now mind you that is only adding the added XXXX extra a month they're charging me, it isn't including the already XXXX hundredish payment they take from my mortgage payment from since the beginning. So they're making a huge huge killing. Now that due to COVID we fell behind and as from all I figured you take XXXX which honestly SHOULD be my monthly payment and count months I owe I should only owe XXXX plus an added XXXX for the month of XXXX payment then I'd owe XXXX total, but they want a full XXXX grand! They're counting that XXXX extra a month, and I offered even to pay the XXXX they said they'd settle with for now to stop the process, which I'm telling you they're robbing us! Still I offered to pay it just to keep our home, and they won't even take that unless we wire it. My wife is XXXX, I work to pay these bills, and have no time for childish games! They had taken the payment via my check days ago when I tried to pay online they'd have the money right now, I mean semantics and it's hardly worth throwing my XXXX wife and grandchildren, family to the streets over a lousy refusal to take a dang check! I mean really, which btw I'm paying their robbery of XXXX which adds up to XXXX extra despite knowing it's not accurate. Please, I beg of you handle this bc I read and seen your past responses and how you simply just accept their excuses and lies. I hope this time, especially bc this is serious it's our home we lived fought n paid for on over 26 years! Please that added XXXX is truly wrong. Have you ever seen any bank up anyone 's mortgage by half it's whole monthly amount over equity lack? I beg you to help us right away. For now, I am looking in to finding also an attorney to handle this as well. Thank you
Product: Mortgage

This a new complaint to dispute inaccurate information provided by Carrington Mortgage Services, LLC. to the CFPB for my previous complaint.  Case  #  XXXX .     Please review the attached document for more information
Product: Checking or savings account

Schools First Credit Union has been holding onto ~ {$50000.00} of my checking account for now 4 months. 

I have no clue when they will release the funds, much of which were previously cleared and available in my account. 

Time to release the funds into the available balance of my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reduced credit score XXXX points for opening a new unsecured installed loan other credit agencies only reduced score by a few points
Product: Credit reporting or other personal consumer reports

Below is the Email sent to CMG Mortgage on XX/XX/XXXX, XXXX they mainly use predatory lending scheme to keep me with them, or when applied for loan assistance they were after my equity in home and increased my APR with no reason. Also CMG Mortgage never provided me with any adverse action report, although it was requested. 

I am writing to formally dispute inaccurate information being reported to XXXX regarding my mortgage account with CMG Mortgage , Inc . Specifically, a report dated XX/XX/XXXX, erroneously indicates that I am currently paying my mortgage on a partial or modified payment plan. This is not true ; I have never paid on a modified or partial payment plan since the commencement of my mortgage. 

This is not an isolated incident. On XX/XX/XXXX, another erroneous report was sent to XXXX flagging my account as delinquent for more than 60 days and stating that I was paying on a modified or partial payment plan, both of which are false. While these remarks were removed in XXXX, their recurrence raises serious concerns about the accuracy of your reporting practices. 

According to the Fair and Accurate Credit Transactions Act ( FACTA ) and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), I should have received notice and an explanation of the adverse/negative disclosures sent to the credit bureau XXXX To date, I have not received any such notice or explanation. 

The repetition of these erroneous reports in a short period suggests more than an honest mistake or error. This pattern may be indicative of a predatory lending scheme, specifically Failure to Report Credit Information accurately, which is prohibited under the XXXX XXXX XXXX XXXX  and Consumer Protection Act of XXXX. 

The negative effects of these incorrect reports on my professional and personal life are substantial. As a Certified Public Accountant ( CPA ) and Corporate Controller, maintaining a clean credit report is crucial to my career. Inaccurate reporting harms my professional reputation and can impede my ability to obtain, maintain, and refinance credit.

To rectify this situation, I request that CMG Mortgage , Inc. send a letter to XXXX to remove these false remarks entirely from my credit history. Additionally, I request that you provide me with the required disclosures and explanations for the adverse reports as mandated by FACTA. 

Failure to address this issue promptly will leave me with no choice but to file complaints with the CFPB and the Federal Deposit Insurance Corporation ( FDIC ). 

Moreover, in XX/XX/XXXX, I requested loan assistance which was denied. Consequently, I missed the XXXX payment but agreed with CMG to pay both XXXX and XXXX payments on XX/XX/XXXX. Despite this arrangement, CMG reported the missed XXXX payment to the credit bureaus without providing the required disclosure by FACTA. This misrepresentation, suggested by a CMG customer service representative, should also be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. No therefore, any such debt in fact, therefore exist. ( Please remove these accounts before I seek litigation for defamation of character ) XXXX  XXXX balance {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had an incident with XXXX that was identity theft. I resolved it with XXXX and they did find that it was identity theft and I do not owe the debt and provided me with a letter stating that the collection agency was to remove the debt from my credit report on XX/XX/2020. After notifying Franklin Collection Service of this and providing them a copy of the letter they sent me a letter back stating that they validated the debt which is obviously not the case on XX/XX/2020. Since then I have sent an additional letter to the credit bureaus on XX/XX/XXXX but they came back and said that the furnisher is reporting this information correct even though I again sent a copy of the letter requesting that the inaccurate information be deleted. I am now sending another letter to Franklin Collection today via certified mail prior to commencing with a lawsuit.