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

Heres the updated credit dispute letter with the Equifax information included : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, Georgia XXXX Subject : Dispute of Charge-Off Account - XXXX XXXX XXXX XXXX Dear Equifax , I am writing to formally dispute the accuracy of a charge-off on my credit report associated with XXXX XXXX XXXX  XXXX XXXX According to my credit report, the account in question is listed as a charge-off, which I believe to be inaccurate and misleading. 

The reporting of this charge-off violates several provisions of the Fair Credit Reporting Act. Specifically : 1. **15 USC 1681 ( a ) ( 4 ) ** : This law mandates that consumer reporting agencies ensure maximum possible accuracy in the information they report. The charge-off status of this account does not accurately reflect my payment history and account status.

2. **15 USC 1681 ( e ) ** : This provision requires that agencies provide consumers with a clear explanation of their rights. XXXX XXXX XXXX  XXXX has failed to provide me with the necessary documentation to substantiate the charge-off, thereby violating my rights under this law. 

3. **15 USC 1681 ( 6 ) ** : This law prohibits the reporting of inaccurate information. As the charge-off does not accurately represent my dealings with XXXX XXXXXXXX XXXX XXXX XXXX it constitutes a violation of this statute. 

I request that you conduct a thorough investigation of this matter and remove the inaccurate charge-off from my credit report. 

Please ensure that all communications regarding this dispute are directed to my address provided above. I appreciate your prompt attention to this matter and look forward to your response within the time frame specified by law. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX, whom we do not and never have held a mortgage with, erroneously paid our XX/XX/XXXX XXXX County property taxes and is seeking reimbursement. I confirmed XXXX XXXX made the payments with the XXXX County Treasurer 's Office. On XX/XX/XXXX, a XXXX XXXX Claims Processing Representative explained our tax ID # is similar to one of XXXX XXXX 's customers ( differs by a digit ), thus, XXXX XXXX paid our property taxes in error. Based on internet research, XXXX XXXX has made many errors in regards to property tax payments. 

Initially, our mortgage ( a FHA loan ) was with Bank of America. The following were escrowed in the loan : our home owners insurance, mortgage protection insurance, and property taxes. Historically, Bank of America made our property taxes to XXXX County without issue. However, when Bank of America made our XX/XX/XXXX property taxes, the payments were returned as they had been paid by XXXX XXXX. Bank of America failed to question the returned payments. Instead, they held the funds in our escrow account and issued partial refunds to us in the check form. 

When we received the refunds checks, we contacted Bank of America for an explanation. Customer Service simply stated that the refund reason was for an " escrow overage. '' They did not offer any further explanation and did not state our tax payments had been returned. Bank of America sold our mortgage to XXXX in XX/XX/XXXX. Our mortgage went to XXXX 's books with an escrow balance. XXXX issued us an escrow refund check, however, no explanation have been obtained from them. 

On multiple occasions, we 've contacted Bank of America and XXXX to reconcile the escrow accounts and to resolve the issue. However, they have failed to respond or work with us on reaching a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Debt collection

On XX/XX/XXXX I received a updated credit report in which this company was listed as a new collections account on my credit file for XXXX the company has not tried to contact me at all. I even tried to call and see where this alleged debt came from. They could not even locate me in there system! This debt is causing me not to get financing for a home I have work really hard to get! I have not been contacted and was not notified that this account was going on my credit file. I want this account removed until it is verified and Validated by me according under FCRA.Under Fair debt collection practice act I have the right to have accurate and correct information reported on my file! I also have the right to be notified upon placing a account on my file!
Product: Credit reporting or other personal consumer reports

This is not the first time I have found inaccurate information on my credit report. The three credit bureaus are required to verify these accounts. It is unacceptable to report these accounts as unconfirmed without validating them within the legally mandated time frame. The following incorrect information on my credit report needs to be investigated, amended, or completely deleted : XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00}
Product: Checking or savings account

On XXXX The bank participated in corrupt, confusing, unsafe and unsound practices. They have the available balance listed on the homepage but you have to click elsewhere to check the actual balance which is so deceitful. I was charged {$35.00} two times. I requested the bank refund me one charge of {$35.00} because one made sense and the other one didnt. 

I am also in a federally declared disaster area ( XXXX, NJ, XXXX XXXX ) due to the remnants of XXXX XXXX. The FDIC has provisions in place for banks to refund or eaive fees for a few months following a natural disaster. 

I was refunded in XXXX and because of that I was only asking for one fee back this time. I was a victim of flooding. 

I chatted with XXXX in the chat and she was unhelpful and also tried to tell me she could not trasnfer chats. SHe was just giving me scripted answers which are horrible. 
If you see exhibit a that is what I see on the homepage, Exhibit B is where XXXX told me to go and I had to click out of the homepage to see this!! How horrible is this this is so deceiving and the order in which they post transactions favors the bank.
Product: Mortgage

On XXXX  we received a letter from PHH Mortgage that our PMI was removed and our home owners insurance would be cancelled effective XX/XX/XXXX. In the letter it was mentioned we were responsible for finding new insurance, not that we needed to send our insurance to our mortgage company. On XX/XX/XXXX PHH withdrew money from our escrow in the amount of {$1800.00} to renew insurance with XXXX after we would told it was was cancelled and secured new insurance with XXXX XXXX. After numerous attempts we got through to customer service on XX/XX/XXXX and were transferred 6 times and were told we had to call XXXX  to get a refund and to send our next insurance in. The customer service supervisor told me that he would make sure that PHH would NOT pay our XXXX XXXX insurance since it was paid through out account. I sent in a copy of our XXXX XXXX insurance declaration on XX/XX/XXXX to the email told and in the email stated explicitly DO NOT PAY insurance. I had to call XXXX to receive a refund on XX/XX/XXXX. I then looked on my mortgage and on XX/XX/XXXX they paid my XXXX XXXX  insurance in full after I explicitly told them not to. I called back customer service again on XX/XX/XXXX after being transferred 3 times and told them they need to refund my escrow and I was told that my account would be noted to NOT pay insurance. 
We have spent hours on the phone trying to get our money back and having them stop paying for the insurance we are already paying. They are not trying to help at all and making me do all the work from their mistake.
Product: Vehicle loan or lease

Credit Acceptance Corporation is a Predatory Car lender that gave me high-interest subprime auto loan. The lender harassed me with phone calls. They called me from unknown number asking for payments. They also placed this on my credit report causing without my permission. The company has profited from this loans, and I have experienced credit harm, and lost my vehicle through repossession ( Still a harasser after repossession ), and down payments. I was also a subject to hidden finance charges, which I believe is in violations of the states usury cap. I was also unaware of this higher-risk loan. 

In accordance with the Fair Credit Reporting Act, Credit Acceptance Account XXXX XXXX has violated my right. 

Highest Balance XXXX Opened XX/XX/XXXX Term 66 months ( 5 years ) Last Payment XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit card or prepaid card

So I have been a member of Citibank credit card for close to 3 years I had an instance in XXXX & XXXX where I had fallen behind unfortunately due to loss of income at the household because of covid so I had requested for a payment program to help me catch up I didn't think they would report me late however to the credit bureaus. I have been asking them to no avail if I can pay the amount due on those two statements if they can then update my credit report but no one is willing to help out at all. 

I feel it is unfair that during this difficult times that these credit card companies will not sure any sympathy whatsoever and I have been paying on time ever since and prior to those two months.
Product: Debt or credit management

The company midland credit management knew I didnt know my right as a consumer and therefore conversed me into believing that they were part of the original creditor that charged off my debt making it as though I owed them money for a debt that I was not validated or sent a letter of subrogation before they got my information to withdraw funds out of my account they stated it was an attempt to collect a debt thus violating my rights to 15usc 1692 and 1681 also falsely reporting this claim on my credit report as thought they were the original creditor also constant harassment after being told not to contact me other than writing letter still calling leaving message on my phone using choice word as We need to disscuss a personal business mater after they find out by phone conversation that Im layering my rights I was polite to them and felt after I gave them awareness that I have and doing research on my privacy rights they started call more frequently
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 607 I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore must be removed immediately. 
The Account XXXX XXXX XXXX XXXX is listed as charged Off as of XXXXAccording to Law 15 USC 1681 ( a ) a creditor asking you to pay a debt after charged off and they have filed a 1099-c is Tax Fraud and direct violation of Law and my rights. Please REMOVE immediately.

Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report. 
Please respond and remove promptly. I prefer that we both avoid pursuit of my rights under 15 USC section 1681m and 1681o, which requires your compliance with the law. 
Please send updated copy of my report and score once completed! 

Thank You for your time and attention to this matter
Product: Checking or savings account

On XX/XX/2023 it came to my attention that someone unknown to me accessed my account and completed a wire transfer of {$1200.00} to their personal bank account without my permission. I contacted my bank ( Navy Federal ) to report this transaction as fraud, but because of my account history they believed that I authorized this transaction even though I did not. I want to know how someone was able to access my account and transfer money out to another account without me being notified and prompted by the bank to approve the transaction. I received no communication of this transfer or this person accessing my account and I'm furious that Navy Federal could even allow that to happen without taking any security measures. I contacted Navy Federal on XX/XX/XXXX to dispute the transaction and they denied my dispute, so I then filed a police report, identify theft report and appealed Navy Federal 's decision to not return the {$1200.00}. I am now waiting on Navy Federal to finish their investigation and get back to me with a decision in regards to the appeal. Since having my account compromised Navy Federal has denied me being able to refinance my car and this whole situation has put me in a bind financially. I don't understand how someone was able to access my account without Navy Federal asking for a PIN number or any other personal information that only me the account holder would know before allowing the funds to be transferred out of my account to another account. Account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I requested my credit report from Equifax. I received someone elses credit file that was not my own. I called Equifax 3 times to tell them what happened but they were not able to tell me what happened to my credit report or why I received someone elses credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to the 3 credit reporting agencies Experian, XXXX, and XXXX over the past few months to remove several inaccurate accounts on my credit report, along with personal information that doesn't belong to me and some unauthorized inquiries. I noticed there were several laws that were not abided by with the credit reporting agencies and I have listed them below. 
According to XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
They were fully aware of the inaccurate information which I will provide screenshots down below Another violation I wanted to point out is it is their duty to report the maximum possible accuracy according to XXXX XXXX Code XXXX - Compliance procedures ( b ) Accuracy of report 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.
Product: Credit reporting or other personal consumer reports

I just pulled my credit report and noticed some unauthorized inquiries not I did not apply for.
Product: Money transfer, virtual currency, or money service

I was looking to purchase a XXXX XXXX XXXX  guitar processor on a XXXX user group on XXXX. A group member name XXXX XXXX contacted me and said he had XXXX for sale. He sent me pictures of the item, as we communicated on XXXX XXXX. I agreed to send him {$1300.00} via Zelle for the sale on XX/XX/2024. After the transaction, he continued asking me for more information ( address, email address, bank information ). I did not share any banking information. The person 's Zelle information is XXXX XXXX XXXX, email address is XXXX. This is when I realized it was a scam. I saw many more posts on the XXXX XXXX from this user, saying that they had many other items for sale. They also stated various different locations in their posts.
Product: Credit card or prepaid card

ItriedfilingadisputewithCapitalOneonlineonafewdifferentoccasionswithnosuccess.Ithentriedcallingintohaveacustomerservicerepresentativedoitforme.However,afterextremelylongholdtimesIwastransferredaroundbetweenonepersontoanotherandfromonedepartmenttoanotherwithnoonethatwashelpingme.TheendwasthatIwastransferredtoavoicemailwhereIleftamessageforsomeonetocallmeback,asofnow4weekslaternoonecalledmeback.Finally,Iwasabletogetthroughtoarepresentativetofileadisputeonatleastoneofmyclaims,unfortunately,therewasnothingfurtherdoneonmyclaim.Ihavealreadywrittentothemaboutthismatterbuttheyarenotrespondingandaretotallydiscriminatingagainstme.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/XXXX I made a complaint to the XXXX XXXX XXXX about Comenity Bank, I have a store card for Forever 21. On XX/XX/XXXX I made a payment in full of {$180.00}, this payment has yet to be updated on my credit report. I called the company in early XXXX they said it would be updated within 24-48 hrs, it never happened. So I filed the complaint with the XXXX  a few weeks later. Comenity Bank responded to my complaint by saying they would launch an investigation. On XX/XX/XXXX I called Comenity Bank ( the number on the back of the card ) twice and both times the call was disconnected. All of the credit bureaus still have the charge on my credit reports. Nothing has been resolved!
Product: Payday loan, title loan, or personal loan

I've reached out to customer service on numerous occasions trying to rectify the problem which didn't work apparently there was an issue on moneylion end where they didn't process payments for part of the month of XXXX of XXXX and caught their mistake to which they initiated the payments on back to back days nearing the end of the month fast forward to the month of XXXX of XXXX they made an error again where as they stated I missed payments which I contend I did not which my bank statements are supporting documents because of their mistakes/errors I had to agree to a new term which extended the loan and not only that they've reported my loan as delinquent to the credit bureaus twice even after I agreed to new terms upon looking over my bank statement Moneylion failed to initiate the payment of {$9.00} but did debit the membership fee of {$4.00} which is an error on their part as both the loan payment and membership fee are supposed to be debited on the same day my account always has sufficient funds to cover any bills that I have to pay
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX, has violated my rights, XXXX XXXX  XXXX # XXXX, has violated my rights, DEPT OF EDUCATIONXXXX  # XXXX, has violated my rights, XXXX XXXX XXXX XXXXXXXX # 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: Debt collection

Today, XX/XX/year>, I received calls from the number XXXX. The first call was at XXXX, and it went to voicemail with no message left. The second call came at XXXX which I ignored because I did not know the number, and no identifying information came up on the caller ID. The third call came immediately after the other at XXXX and a voicemail was left. The caller stated that they were going to share my personal information and if the recipient of the message was not me they should hang up in XXXX seconds. Without pause, " XXXX '' proceeded to tell me that she was calling to settle my debt on behalf of the Law firm of XXXX XXXX of the XXXX to ascertain whether I had received my legal notice of rights with respect to a delinquent debt that they had recently sent me. I have never received notice from a company of this name, and after reviewing my credit report, I do not have any note of collections under a company by this name. XXXX proceeded to say that if I wanted to settle my debt in a " friendly way, '' I should call them back. If I don't, is it going to get unfriendly? I have had to listen to the voicemail XXXX times just so I can clearly hear the name of the company. At no time during this message did they provide any other identifying factors other than a phone number to contact. When I looked up the company and the phone number, I found nothing truly identifiable other than a possible law firm in California that does not have a matching number and the actual number brings up nothing but other reports of possible spam activity and yet another law firm that doesn't match the name given. This is a highly suspicious incident, and I do not trust calling back to obtain more information because there have been too many scams like this lately.
Product: Mortgage

Mortgage Servicer : Lakeview Loan Servicing LLC XXXX XXXX  XXXX, XXXX  XXXX, VA XXXX XXXX My loan # XXXX My wife lost her work as a result of impact of the coronavirus ( COVID-19 ). We have lost a major source of income and will not be able to make the mortgage payment. I contacted the servicer 3 times and they will not offer the federally mandated deferral program coming from the stimulus plan which offers mortgagors assistance with the ability to defer mortgage payments up to 12 months with the ability to add those payments to the end of term. That would be without late fees being added or negative reporting to the credit agencies. They would not provide the deferral and therefore not following law. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX