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

Subject : Dispute of Inaccurate Information - Failure to Investigate in Violation of FCRA 605B And 611 Dear XXXX, This letter serves as a formal dispute regarding inaccurate and unverifiable information on my credit report. Despite multiple attempts to address this matter, XXXX has failed to conduct proper investigations and continues to report inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX for sham investigations. 
The disputed accounts ) include : Account Number - XXXX Account Name - XXXX XXXX Account Number - XXXX Account Name - XXXX  XXXX Under FCRA 605B [ 15 U.S.C. 1681c-2 ], I am entitled to have fraudulent or unverifiable information blocked from my credit report upon providing proper notice. Additionally, the CFPB has documented XXXX 's systemic failures to investigate disputes properly, including : Conducting sham investigations. 
Failing to provide consumers with accurate or consistent investigation results. 
Improperly reinserting deleted information. 
I have attached supporting documentation to substantiate my claim, including, police report, identity theft affidavit, account statements, previous dispute correspondence, etc. 

DEMAND FOR RESOLUTION
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my written requests for you to notify about some errors on my account. The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. The following accounts are needs to be corrected immediately XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$13000.00}.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.
Product: Checking or savings account

On XX/XX/2024, I filed a claim with Bank of America to retrieve the 5 mortgage payments that was paid to XXXX XXXX ( mortgage company ). Bank of America and XXXX finance has refused to complete the research needed to find the payments that were neither applied or returned to my account.
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. 

Lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

UNIVERSITY XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX 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 XXXX 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

I opened a XXXX mortgage with cross country mortgage in XXXX. and have had nothing but difficulty making payment, no fault of my own. I tried to make the first payment that was due on XX/XX/XXXX by sending a check for the monthly payment of XXXX on XX/XX/XXXX using the payment coupon that came with my closing documents, assuming that sending it XXXX days early it would be there on time. As the due date got closer, I noticed that my payment had not been posted or cleared my bank account. I contacted Cross Country mortgage and was very rudely told that the mail was slow, and they did not hold on to payments when they are received. I decided to go online and make a payment online to ensure my first payment was paid on the due date. As of today XX/XX/XXXX, the original check I sent on XX/XX/XXXX has not been cashed or cleared my account. I called Cross Country mortgage last week asking them if they had received the check and what was the status of it. I was told by Cross Country representative that my loan servicing had been sold to a new company and they seemed surprised in my view, that I had not received notification from the new servicer. The representative from Cross Country said I should be receiving notification from the new servicing company in the next couple of days and that the check I wrote was forwarded to the new loan servicer. As of Today, XX/XX/XXXX I have no idea who to send my next payment due XX/XX/XXXX to and I still do not know what the status of the check I wrote XX/XX/XXXX is, making my payment should not be this hard. I have never had as much problem making my mortgage payment, then I have with this company.
Product: Student loan

On XX/XX/year>, XXXXour payments of {$230.00} were pulled from my bank account. I had scheduled these on mohela.XXXX the week prior. Initially, they showed up on my online account, but since have been removed. I made these payments to satisfy the XXXX - XXXX payments. Pre-payments are allowed for PSLF borrowers. I only had to finish the work requirements in XXXX and then I could apply for the PSLF forgiveness as I have made a total of 120 payments. I have a repayment schedule showing that {$230.00} was the correct payment amount, so I would like these to be applied to the XXXX through XXXX due dates. My payments are completely missing from my account and I do not know what MOHELA did with them. If they do not apply the payments to my payments that were due, then I will be unable to obtain PSLF forgiveness in XXXX and I will be unable to purchase a new home in the spring as this loan will disqualify me.
Product: Debt collection

The collector calls every other day, and sometimes daily! They show up at my house and leave bots send me letters, etc. I have spoken with them and let them know I am currently in a financial situation and I will try to do the best I can! They have threatened with suet and threatened to have wages garnishes from my check I told them that I was going to make a payment but I ca n't go a day with out them calling or showing up at my house at random times and when I do make a payment they harass me in the office if I make a partial payment they decline it and say it must be a full payment before they will except
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} ; MEDICAL XXXX Balance : {$690.00} ; MEDICAL XXXX Balance : {$850.00} ; XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and EQUIFAX. By way of identity theft, said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am writing to you because of an inaccuracy that has been reported on my credit report from capital one bank stating that I was late on my credit card payment on XX/XX/XXXX, I was not late on my payment I made a payment on time payment on XX/XX/XXXX for {$35.00} paid via XXXX. Capital one credit card department is stating that they did not receive the payment and failed to verify the reason this is old account credit card number ending in XXXX and now is XXXX This is an in accuracy and the late payment needs to be removed from my credit report because I paid the credit card on time on XX/XX/XXXX for {$35.00} via XXXX I also have proof from a screenshot sent by capital one.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXXXXXX XXXX XXXXXXXX Account number:XXXX  Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid XXXX I contacted Capital One customer service informing them that my address changed and that all future correspondence should be mailed to my new address starting on XX/XX/XXXX. When I failed to received the monthly statement, I contacted Capital One to confirm that the address was indeed changed. They informed me that they HAVE NO RECORD OF THE CALL, and that they still have the old address in the system. They also informed me that they marked me 30 days late since I failed to make a payment. Ive been a Capital One card holder since XX/XX/07 and in 13 years I HAVE NEVER BEEN LATE ONCE. They made an error, failed to change my address as requested, failed to send the bill to the correct address, and caused me to get a 30 day late! Capital One is refusing to correct the late out of good will even though the mistake was made by them due to the negligence of the rep to save the new address provided. 

Please see attached confirmation of address change from USPS, rent stub,  utility bills, as well as bills from other creditors ... .all showing the new address.
Product: Checking or savings account

On XX/XX/2019 a Non-authorized withdraw from my Santander Bank N.A. checking account# XXXX in the amount of $XXXX. I complaint with Santander Bank twice and twice they denied my claim stating a merchant was correct. I further request Santander bank to provide me with proof as of a product or service was provided to me by this company: XXXX XXXX I was not even aware about the company that withdraw the money from my account without my authorization. I tried to call the phone number provided by Santander bank and it doesn't work or is out of order or does not exist. I complaint second time and a straight answer denying my claim came again from Santander bank.
I ask Santander bank to provide me with proof that I received that alleged product or service but it was never provided to me. I tried to contact " XXXX XXXX" in XXXX XXXX XXXX Utah, without luck.
I am in possession of two letters from Santander Bank denying my claim, eventhough Santander Bank never give me proof of any product or service in the amount of $XXXX  was provided to me on or about XX/XX/2019.
This caused my account go negative and return automatic payments for non-sufficient funds, a disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the late payments for the following accounts removed from my transaction history on all three credit bureaus. ( I sent 3 letters with ID and my gas bIll - no response XXXX XXXX ). According to the law FCRA 15 USC 168Ai- all late payments should be removed. 
Account name XXXX  XXXX XXXX Account number XXXX .... 
Account name XXXX Account number XXXX .... 
Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX .... & Account number XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked the last 6 numbers of my SSN on the Equifax site when news of the security data breach was broadcast on the news. The website gave me a date to go back and enroll in the TrustedID as information had been compromised in the hack. My wife received a different date, but the same message. We then called the phone number indicated as the number to call to initiate a credit freeze. After the automated system directed us to enter some identifying information, including our state, we were told it could not process our request and we could complete the freeze online. I tried to go on to the website to put a security freeze on my credit report and got an error message. I then tried to call the Equifax customer service number and was sent to an automated messaging service that hangs up on me and never lets me talk to a person to initiate a security freeze.
Product: Checking or savings account

On XX/XX/year>, Synchrony Bank restricted my access to my account and prevented me from accessing my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX incorrectly updated my account balance information to the credit bureaus which is drastically hurting my credit report and putting me in a state of financial distress. Every month for over a year XXXX XXXX XXXXXXXX updates my account balance on my credit report on the XXXX. I monitor my credit report frequently on Experian almost every day. I paid down my balance with a payment of {$11000.00} on the XXXX of XXXX this month which brought my balance down to {$380.00}. XXXX   XXXX XXXX for some reason decided to update to the bureaus earlier on the XXXX of XXXX without any prior notification and brought my credit utilization up to 102 %. Even still my new balance of {$380.00} should have been reported since I made the payment of {$11000.00} on the XXXX of XXXX, when my due date was the XXXX. The XXXX was a saturday so it didnt post until monday the XXXX. Still in time before the ending statement date of XX/XX/XXXX. When i login to my XXXX XXXX XXXX account it shows i made the payment on the XXXX and then it shows it posted on the XXXX, but it still shows all my XXXX activity because the billing period still hasn't ended. And yet they reported early.I called XXXX  XXXX XXXX to dispute the mishap on their end. I initially spoke to a rep about the situation and had to be transferred numerous times after asking to speak to a manager or  supervisor. I eventually got on the phone with a lady named XXXX who explained nothing can be done even though it was their error. I asked to talk to her manager which she then transferred me to a person named XXXX XXXX. Again, XXXX explained to me they would not be able to update the information with the bureaus until after 30 days. He explained there was nothing he could do but put in a dispute which takes over 30 days and have his superior contact me to discuss my options. They did send me an updated balance letter, which its attached. A woman by the name of XXXX XXXX was supposed to contact me and assist me in fixing the error that was their fault has yet to do so. I have been a good customer with them for almost 2 years. I always pay my bills on time. For them to make a mistake like this and offer me no solution to fixing it in a timely fashion after speaking to half a dozen reps I feel worthless and cast aside. I've done nothing but good business with them since I opened the account. All they have to do is update the proper account balance to the credit bureaus the same way they've been doing every month since I opened the account. I find this to be unacceptable that they're telling me they can't do what they've always done. I use the card frequently spending a substantial amount of money with them. I know what i'm asking for can be done and again was their error. Please help.
Product: Credit reporting or other personal consumer reports

I am so disappointed with XXXX and Equifax ' process of reinvestigation. XXXX has already removed such invalid and inaccurate accounts back on XX/XX/XXXX, yet these two consumer reporting agencies are still reporting the same information on my file. I sometimes come to think that these credit bureaus are not communicating with each other in terms of providing proper resolution to factually incorrect and inaccurate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable and I am very disappointed! REMOVE THIS FRAUD ACCOUNT ASAP!
Product: Mortgage

My loan servicing was transferred to LoanCare XX/XX/2016. The performed and escrow analysis which was followed by an impound shortage notice. Upon research I discovered LoanCare had changed the terms of my loan and increased my MIP to a different amount than was in my original loan documents and final disclosures. I sent in the shortage and they applied it to my principal in error. I called and they corrected this error. Told me they would only be deducting the original MIP from here on out and that they made an error. XX/XX/2016 I refinanced my loan. My escrow was to be paid out and I logged on to their website to view the account history and verify the balance in escrow I was to receive. To my shock I discovered not only have they continued to deduct the wrong amount for MIP they misapplied the payoff and coded it XXXX different ways including something to do with foreclosure. I have never missed a payment and in fact had always paid early. I called them and they are completely ambiguous in their responses. I 've emailed with details of my issues on the mismanagement of my escrow and the account payment applications numerous times. Two weeks later on both cases I receive a response email simply stating my account is paid off ... never once addressing the root of the emails I sent. I continue to call and most recently when I pressed for transfer to a supervisor or department that is responsible for clearing things up I 'm told they do n't take inbound calls or they choose to end the call and hang up when I press for explanation of what is going on with my account and try and hold them accountable for the mess and errors they created. It 's been over five months since they took over the servicing of my loan. My account had not been corrected and their customer service department is of no help. They do n't have any answers to provide and simply say it 's " Under research ''. Five months??? Today I sit here getting ready to make my first payment to my new lender and I still do n't have a resolution to what is happening in my old escrow account, when it will be corrected or when I will receive payout of the escrow balance. This company is completely incompetent and is a prime example of why we had a housing meltdown that triggered the recession. They should be shut down and never allowed to manage mortgage account again. They are rude, unresponsive and totally incompetent. They have a fiduciary duty to explain and fix errors they create when managing a mortgage account and they fail to do that time and time again.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be updated in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997.

As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. All XXXX erroneous accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$26000.00} I am opting out of any and all reporting by XXXX, XXXX, TRANSUNION I am again revoking any permissions given verbal, non verbal, written, unwritten, implied or otherwise.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.