23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute a charge-off entry that appears on my credit report. As required under the Fair Credit Reporting Act ( FCRA ), I am requesting that the item be investigated and, if found to be inaccurate, removed from my credit report. 

The details of the disputed entry are as follows : Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Reported Charge-Off Date : XXXX I believe this charge-off is inaccurate as per the IS USC- 1681eb this has been a cancelled debt. I have reached out to XXXX XXXX multiple times to get form 1099c which I am yet to receive.

Please investigate this matter within the 30-day timeframe as set forth by the FCRA and inform me of your findings. If after your investigation, the charge-off is found to be incorrect, I kindly request that it be removed from my credit report and that I receive an updated copy of my credit report at no cost. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I, XXXX XXXX, am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate and unverifiable items that remain on my TransUnion credit report as of XX/XX/year>. 

The negative items listed below are adversely affecting my credit score and financial well-being. I have previously disputed these accounts with TransUnion under the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC ), requesting validation of these debts, but the items remain unresolved. 

Disputed Accounts : Collections : XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$440.00} Closed Accounts with Negative Marks : XXXX {$1800.00} ( Charged off ) XXXX XXXX {$1800.00} ( Collection ) Reasons for Dispute : Inaccurate Reporting : The listed accounts contain incorrect information regarding balances and status.

Unverified Claims : Under UCC 1-308 and FCRA 611, I have the right to request proper validation of these debts, which has not been provided.

Failure to Investigate : TransUnion has not provided sufficient
investigation or proper validation within the 30-day window allowed by law.

Requested Resolution : I request the CFPB 's assistance in enforcing my rights under the FCRA and UCC. Specifically, I ask that TransUnion : Provide original signed agreements for each disputed account or delete the entries from my credit report. 
Conduct a thorough investigation of each disputed account.

Remove any unverifiable or inaccurate information from my credit report.

TransUnions failure to act in accordance with consumer protection laws is causing harm to my financial reputation and limiting my access to credit. 

Thank you for your attention to this matter. I trust that the CFPB will help ensure my rights as a consumer are upheld. 

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

I have been disputing this since XX/XX/2023. This debt doesnt belong to me, it was an act of retaliation and HUD is currently handling. XXXX has been in compliance but XXXX and Experian still havent removed this.
Product: Credit reporting

This is not a duplicate. Each applicable CRA must receive this dispute. 

In XX/XX/XXXX I disovered a judgement on my Equifax credit report listed with with the line item reference # XXXX. I never received any mail or communications about the underlying matter. Upon further inquiry I found that the California Franchise Tax Board ( CA FTB ) was the data furnisher regarding this item. 
Upon speaking with a CA FTB representative I was told that their records were missing my XXXX tax filing records. My Federal and State returns were both filed however I supplied CA FTB with the information that was claimed to be missing from their records. 
I was told that the processing timeline was a minimum of 6 months. After months of waiting the resubmitted filing was processed and the findings of the data furnisher were disclosed to me. The California Franchise Tax Board found that I did not owe any taxes and as such did not have any tax liability. On the contrary the CA FTB actually owed me and sent payment of {$510.00} to me reflecting the same. 

The {$2800.00} tax lien that was put on my credit report was found to be incorrect upon the conclusion of this matter. I am attaching a copy of the refund check sent to me by the State of California Treasurer as well as a printout of my total tax liability and refund for the XXXX tax year relevant to item # XXXX listed as a judgement on my credit report. 
Upon processing of the facts, the Data Furnisher concluded that I did not owe and that they actually owed me. This conclusion means that the tax lien put on my account ( which was an assupmtion that was proven wrong ) should not be shown as released on my credit report as that implies that I previously owed the CA FTB and later satisfied payment. On the contrary, the tax lien should be deleted from my credit report as the CA FTB concluded that I did not have any tax liability for XXXX so the tax lien was null and void and the data furnisher turned out to actually owe me. 
The erroneous information listed on my Equifax credit report that states that I previously owed {$2800.00} in taxes which is not true because the taxes owed was discovered to be {$0.00}. This unfair reporting must be deleted and permanently removed from my credit profile. 
For some reason Equifax has refused to correct and update this item and I have had received uwarranted scrutiny and unfavorable decisions from underwriters because of their ability to see a judgement that I did not owe. Please help as I continue to be denied favorable credit decisions personally and for business due to this violation of the FCRA.
Product: Mortgage

Our mortgage was transferred to Carrington Mortgage Services last XXXX. They claimed that we had no insurance ( not true ) and requested that we submit proof of insurance or else be charged for their " forced insurance. '' I submitted insurance information twice, most recently on XX/XX/2023. I also twice gave them the contact information for our insurance agent. They have continued to take an extra XXXX XXXX/month from us, and have not corrected the situation. I just spoke with them again today and got the same story : Submit your policy, provide contact information for our insurance agent, wait another 5 business days. I have no reason to think the outcome will be any different the third time. This seems like a scam to me, and they should not be allowed to take money from our bank account as they have, and not to respond to the information that I have provided them. I have spent hours on the phone with them and provided everything they have asked for, now three times. We have had this mortgage for 22 years with several different servicers, and have never experienced this kind of harassment.
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me. 

XXXX XXXX XXXX XXXX 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
Product: Vehicle loan or lease

Payment was not applied in a timely manner and notifications for lack of payment were mailed, but there was no attempt to reach me via phone or text, etc. 

This caused a negative mark on my credit score. 

Once i was notified there was a payment issue, i paid the amount due and the amount for the next 2 months immediately.
Product: Credit card

Vendor is improperly reporting late charges and has refused to close my account for over a year which has no balance. No statements were ever sent by XXXX and I never received any statements until I filed CFPB complaint # XXXX yet after I closed my card XXXX processed charges ( never sent me notice of charges or billing ) and reported late payments ( even though no request for payment by XXXX was made ). XXXX stated in response to that complaint that my card had in fact been closed XX/XX/XXXX ( even though it was n't ). XXXX charged me with late fees and reported on my credit even though the card was closed with no balance. I received the attached letter in the mail on XX/XX/XXXX stating that my credit card ( which XXXX states was closed XX/XX/XXXX ) was being transferred to a new account. That new account shows open online and that I can make charges. I can not re-open the prior CFPB complaint to add this response so I am filing a new one. Either XXXX fraudulently notified the CFPB that my account had been closed ( see CFPB complaint # XXXX ) or my statements about their systems malfunctioning are correct. If I am correct then that further demonstrates the incompetency 's of their system and inappropriate late reporting. If I am not correct then that means XXXX knowingly summits false claims to a federal governing body. Take your pick.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a negative charge off and loss. Reporting that it is paid and not current. This is incorrect information. According to 15USC 1681, The banking system is dependent upon fair and accurate credit reporting. This Inaccurate credit reporting, it has directly impaired my credit profile and reputation. I would like for this to be removed immediately. I have sent numerous letters requesting removal. I have sent the letter that was sent via XXXX XXXX  I demand that this be deleted.
Product: Debt collection

In 2007, I had a car loan with Coastal Credit LLC, for a minivan. The van was a Lemmon ever since it was purchased, the 2nd day we had it the front breaks fell off while driving with my children in the vehicle. Finally we had enough and told Coastal Credit to come pick it up. They took the van and sold it. We received a phone call from a very rude representative saying the van was sold and it was charged off and taken as a company loss because they were not making a profit on it. We never heard from them again until I get a court judgement in the mail today for {$40000.00} which before they took the van, is more than the loan was for, much more. So, we don't hear anything from them for 11 years, and then we get court documents, 11 years later.
Product: Credit reporting or other personal consumer reports

SoFi Lending Corp. placed hard/visible inquiries on my XXXX report XXXX times for the permissible purpose of " collections. '' I have never had any past due bills with SoFi nor have I ever been in collections. Some of these inquiries occurred after I had closed and paid in full all accounts with the company, so there was definitely no permissible use. 

I recently applied for auto insurance and received very high quotes. I received an adverse action letter from at least XXXX insurance company XXXX XXXX XXXX and XXXX XXXX ) advising that I was quoted a higher premium due to my XXXX consumer report. XXXX of the reason codes provided was " Number of Inquiries for Transactions Initiated by Consumer in Last 6 Months. '' All of the visible inquiries in the last 6 months are from SoFi. 

Therefore, I believe that the unauthorized use of my consumer report caused me to pay a higher price for insurance. Furthermore, obtaining my consumer report after all business was closed and paid in full violated my privacy rights
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystem refuses to delete ITIN number causing conflicts with my SSN on my ChexSystem report.

Currently my ChexSystem shows XXXX XXXX variations under the same report. 
Financial institutions are unable to get access to my ChexSystems due to XXXX not matching because of XXXX still showing under my personal information. 

I had an XXXX in the past which is no longer valid after I was assigned a SSN from the XXXX. 
XXXX becomes invalid and inactive after XXXX is assigned, and should never replace a SSN, however they do not understand this part. 

Additionally I want to mentioned they are using bad and incorrect practice, they asked me to send a letter from the XXXX indicating my full SSN digits on the letter, I contacted XXXX XXXX and they do not do letters with full social security number, the only proof is the Social Security Card or a XXXX form release request authorization.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In thirteen years of good faith payments, OCWEN financial shows a primary balance on my mother 's mortgage loan ( a loan that I am beneficiary of ) that is only several thousand dollars less than the original loan amount. OCWEN also has never reported any of her payments to any credit reporting agency, which negatively impacts her credit score. For   undisclosed reasons by the company, the escrow account attached to the mortgage loan is nearly {$3000.00} in deficit, despite monthly escrow payments included with billing statements. The escrow balance statement makes absolutely no sense, as the payments " received '' do not reflect the actual payments supposedly included in the monthly mortgage payment. On top of this, despite the monthly escrow payments, my mother is somehow behind on her property taxes. This loan was originally held by  XXXX   XXXX   XXXX  which went bankrupt in   XXXX   due to the subprime housing collapse. OCWEN is now not disclosing who actually owns the loan, since  XXXX  is defunct. Beyond the previously mentioned items, the loan maturity date of  XXXX  is outdated by the actual date the mortgage would be paid  off (   XXXX   ) by 1 5 years according to how the mortgage payments are now being distributed between principle, interest, and escrow. OCWEN has never disclosed any information to my mother, or myself, about options to refinance with a lower interest rate and have failed to disclose the missing escrow monies. It also appears th at OCWEN failed  to actually put money into escrow for the first three years of the loan, even though it was intended in the contract - this is the only explanation for the unpaid property tax situation. OCWEN has also not disclosed who underwrote the home owner 's insurance, so there is no way to tell if escrow monies are actually being paid toward home owner 's insurance and property tax, or if there is simply no insurance on the house or mortgage loan at all. This subprime mortgage loan is probably one of the last in the country that is left from the housing crisis of   XXXX  , and was intentionally designed to fail from the beginning, however, to the companies dismay, the payments were kept current, and the hosue did n't fall into default and subsequently disclosure. Instead, the company decided to bilk my mother of thousands of dollars that are missing from the principal balance payments and escrow monies, leaving me to pick up the tab when she passes on. OCWEN also refuses to release information in a timely manner, stating a processing time of  4 bu siness days for loan payment history, and documentation regarding the ownership of the loan. This is time that could be spent doctoring documents.
Product: Credit reporting or other personal consumer reports

My XXXX credit card from XXXX XXXX  ending in XXXX have disappeared from ALL THREE credit reports, I have contacted XXXX XXXX  and advised them of this issue since the beginning, they keep saying it will get resolve in the next billing cycle, but It has been several months with no resolution to this issue, and to why this credit card suddenly disappeared and no longer being reported to ALL THREE credit bureaus. 

Account is in good standing, never late opened back in XXXX, one of my oldest credit cards, my credit score went down several points due to this card no longer being reported to the credit bureaus ( XXXX, XXXX, TransUnion ) I also wanted to mention I have added my husband as an authorized user ( Manager ) on this same account and also for him this card is not being reported on his credit report.
Product: Mortgage

[ Summary ] 1. My property tax deposit on escrow account statement is incorrect ( 30 % more ). I submitted all required documents to request the correction but no response was received and no correction action was taken. 
2. My property tax due on XX/XX/XXXX was not disbursed from my escrow account. I had to pay property tax plus penalty myself to avoid adverse actions from local authority. 
3. I requested a cancellation of my escrow account and was denied by the mortgage service company by terms that were never disclosed to me. 

[ Detail ] I refinanced my property in XX/XX/XXXX. I realized the property tax deposit amount in my escrow account statement was incorrect ( $ XXXX/month in the statement, $ XXXX/month from city 's property tax assessment ). 

I contacted the mortgage service company XX/XX/XXXX and was advised that I need to submit a written letter together with city 's property tax assessment to correct this issue. I followed the instruction and faxed all documents to the number provided by the customer service representative over the phone. Despite I followed all requirements, I never received a response or correction since then. I believe that this is a clear violation of U.S. code 2605 ( e ) ( 1 ) " Notice of receipt of inquiry '' and U.S. code 2605 ( e ) ( 2 ) " Action with respect to inquiry ''. 

My XXXX property tax payment due was XX/XX/XXXX, there was not payment disbursed from my escrow account. I found out that I was late on the payment on XX/XX/XXXX, to avoid any potential adverse actions from local government, I had to pay the property tax due plus a {$4.00} late payment interest myself. I believe this is a violation of U.S. Code 2605 ( g ) " Administration of escrow accounts ''. 

As a result, I contacted my mortgage service company on XX/XX/XXXX to request a cancellation on my escrow account and a refund of escrow account balance. I also stated the recent late payment issue. 

I received a letter from the mortgage service company today, the company did not response to my statement regarding the late payment or any remediation. It simply declined my request of cancelling my escrow account because1. The Loan to Value Ratio must be below 80 %. 
2. The Loan must have 12 months of good payment history. 
3. Taxes and insurance that are due within the next 60 days will not be applicable for an escrow deletion. 
4. All XXXX must maintain escrow according to the approved HUD-1 statement signed at closing. 
All these terms was never disclosed to me before of after my closing. I agreed to signed up an escrow account during closing despite my Loan to Value Ratio is far less than 80 %, but there was no disclosure of such terms neither did I sign any document to accept these terms. I believe the mortgage service company and title company are obligated to disclose this information if it is against me, which it serves now. 
Also by holding my escrow account and imposing a monthly charge without any disbursement, the mortgage service company not only violates U.S. Code 2605 ( g ) but also RESPA cushion limit. The total balance in my escrow account is far more than XXXX annual property tax due.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$940.00} XXXX XXXX XXXX Balance {$940.00} XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/XXXX my home went into foreclosure. The mortgage company was XXXX XXXX Mortgage. The loan was sold to a collections company by the name of XXXX XXXX XXXX in XX/XX/XXXX. I am requesting that this debt be removed immediately from my all of my credit reports for the following reasons : 1. ) The account started off as a collections account but was changed to a revolving account hitting my credit every month like a credit card even though it is a mortgage in collections. 2. ) The account was reported as closed in XX/XX/XXXX and then re-opened again. 3. ) I was contacted by the Attorney Generals office regarding the XXXX lawsuit and received a very small monetary settlement as a participating litigant because the original lender was found in violation of the Fair Credit Reporting Act, and 4. ) This is not the original debtor and I never signed any paperwork with this company saying I would pay this debt to them, XXXX.
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 : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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.