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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Credit Information Account : XXXX OF XXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to dispute the information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account listed below is being reported inaccurately, and I request its immediate removal from my credit report due to unverifiable and incomplete information : Account Information : Creditor : XXXX XXXX XXXX Account Number : XXXX High Balance : {$13000.00} Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Payment after charge off/collection, Canceled by credit grantor, Unpaid balance reported as a loss by credit grantor Credit Limit : {$12000.00} Discrepancies and Issues : Unverifiable Information : The information provided about the account could not be verified. 
Incomplete Information : Certain details are missing or inconsistent across different credit bureaus. 
Credit Bureau Reports : XXXX : Account reported with a high balance of {$13000.00}, last verified on XX/XX/XXXX, and a paid status after charge off/collection. 
Experian : Account reported with a high balance of {$0.00}, last verified on XX/XX/XXXX, and an unpaid balance reported as a loss by credit grantor. 
XXXX : No detailed information provided, indicating potential discrepancies. 


Given the above inaccuracies and inconsistencies, I request that you promptly investigate this matter and remove this account from my credit report. As per the FCRA, you are required to complete your investigation within 30 days. 
I have enclosed a copy of my credit report highlighting the relevant account information, as well as any supporting documents that verify my claim. Please inform me of the outcome of your investigation at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

For years I paid my insurance and taxes with my previous mortgage company, XXXX XXXX XXXX on my own, not escrowing. I was sold to Flagstar Bank because my balance, I guess was too low to keep my account. They said I needed to sign an escrow waiver and pay around {$220.00} fee to keep doing it on my own, which I did. My private homeowners insurance provides for flood insurance included in my premium. They told me that the XXXX XXXXXXXX XXXX XXXX requires that all flood ins premium be escrowed. Is that is the case, how I was able to do it on my own all the previous years? When I called I was told that if I couldn't separate both insurance ( house and flood ) they were going to start escrowing me for both. I told them I already paid both and my taxes this past XXXX ( they have the declaration page ). They told me I will be escrow again for both ( flood and house ) and I would not have to worry next year. This will be if I cant separate the premiums. I refused that because that is why I pay taxes and insurance on my own. I had to call my homeowners ins to see if they can refund me and re-send a bill for flood to Flagstar bank. All this inconvenience for something that I been paying for years on my own. Money is not an issue because I been sending extra {$500.00} for principal almost every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
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
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of 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 accounts 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these accounts ASAP.
Product: Mortgage

Here is a random look at the mortgage transactions for the past year XXXX : - XXXX. On XX/XX/XXXX on their website it indicated there were 8 fewer payments with 85 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX although it indicated the pay off date was XXXX, XXXX. Unfortunately I did not take a screen shot of their website! 
2. On XX/XX/XXXX on their website it indicated there were 4 fewer payments with 83 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX although it indicated the pay off date was XXXX, XXXX. 
3. On XX/XX/XXXX on their website it indicated there were 3 fewer payments with 82 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. 
4. On XX/XX/XXXX on their website it indicated there were 3 fewer payments with 81 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. 
5. On XX/XX/XXXX on their website it indicated there were 4 fewer payments with 80 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. 
6. On XX/XX/XXXX on their website it indicated there were 3 fewer payments with 78 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. 
7. On XX/XX/XXXX on their website it indicated there were 3 fewer payments with 74 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. 

Why is it that the number of few payments keep changing up and down from 8 to 4 then 3 and then to 4 and again to 3? The pay off dates keep changing erratically! Where is the extra principal being paid going? 

This is PREDATORY since " Predatory lending '' has become shorthand for describing a variety of lending practices that may be disadvantageous to borrowers. It can mean any type of abusive lending practice where the lender benefits through unworthiness, deceit, misrepresentation, bad faith, or dishonesty. Can you really dispute this? Certainly the records show unworthiness, deceit, misrepresentation, bad faith, or dishonesty.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX  XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

The Consumer Financial Protection Bureau ( CFPB ) sued Zelle and three major banks for failing to protect consumers from fraud on the Zelle payment network. The CFPB claims that the banks and Zelle operator, XXXX XXXX XXXX ( EWS ), failed to implement adequate safeguards and investigate fraud complaints. 
What the CFPB alleges The banks failed to take timely action to prevent, detect, and limit fraud The banks failed to properly investigate complaints The banks failed to provide consumers with reimbursement for fraud and errors The banks failed to follow error-resolution requirements The banks failed to treat certain transfers as incorrect and unauthorized EFTs The banks implemented poor identity verification methods The banks allowed repeat offenders to continue to gain access to the platform
Product: Credit reporting or other personal consumer reports

This was unauthorized/fraudulent use of my identity.
Product: Credit reporting or other personal consumer reports

This bureau refuses to properly add back the missing information that is affecting accounts from being reported to my Equifax File being this address is missing XXXX XXXX XXXX XXXX XXXX XXXX XXXX that being said missing from accounts being reported to credit bureau report I have called several times I can't even use there upload port to speed up correction add XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> this address needs be also reported along with the other correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Re : Civil No. XXXX ( Circuit Court ) ; CAAP No. XXXX ( Hawaii Intermediate Court of Appeals ; and XXXX ( Hawaii Supreme Court ) Dear Sirs : I am a pro se litigant and am writing to complain and request your investigation and intervention concerning Bank of Hawaii 's ( BOH ) use and enforcement of a Mortgage/Deed form which violates federal and State of Hawaii law,  particularly under the " unfair and deceptive '' trade practice laws. My case is currently on appeal before the Hawaii Intermediate Court of Appeal in CAAP No. XXXX. 
Currently, I have a motion asking the circuit court to declare the Mortgage terms to be illegal, unconscionable, and the Mortgage void. ( ( A hearing is scheduled for tomorrow morning, but maybe continued because of the COVID 19 pandemic. ) I am also seeking a preliminary injunction to enjoin the continued enforcement of the BOH Mortgage terms and provisions. I am forwarding with this complaint a copy of my opening brief which addresses, in part, the legitimacy of the Mortgage and different versions of the Mortgage. 

Although the overarching theme of my case concerns the validity of the Mortgage form document and the efforts of BOH and its agents to conceal it from public and judicial scrutiny, there also exists credible evidence of fraud by BOH employees and/or its counsels. Earlier this year, I wrote to the Federal Bureau of Investigation concerning my case, but have yet to be contacted by any FBI officials. 

Because this Mortgage form has the potential of affecting hundreds if not thousands of Hawaii residents, I felt it incumbent that federal officials also be alerted and advised. I can be contacted via the above-referenced telephone number and email. Thanking you in advance for your prompt consideration of my request, I am, Very truly yours, cc : File
Product: Debt collection

The company did not send me notification of a balance after i had completed all payment arrangements and had been cleared of my debt.They sent me a paid in full letter on XX/XX/2016 stating that i was paid off and then after reported my account to XXXX as a collection account in the amount of XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$4600.00} XXXX XXXX  XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus have not properly verified their sources and are reporting inaccurate information that is damaging my credit scores. 


I already reached out to the courts and the courts have indeed verified that they do not verify or share information with the credit bureaus. 

XXXX responded to the previous dispute on XX/XX/2021 stating that the company reporting the information has verified the information as correct, however they do not say who the company is that is reporting the information. If the credit bureaus are not in fact checking with the alleged original source of information and the the original source says they DO NOT provide any information to the credit bureau then the credit bureau is in fact in violation on the FCRA 15 U.S. Code 1681n - Civil liability for willful noncompliance and is violating my right for complete and accurate reporting.
Product: Credit reporting or other personal consumer reports

I have requested the process of validation of disputes, validation process of alleged debts, and the information that was gathered relevant to the process. No information has been given. Please correct errors on report.
Product: Credit reporting or other personal consumer reports

in accordance of Fair Credit Reporting act XXXX XXXX XXXX  # ... XXXX is in violation of 15 U.S.C. 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I found some negative items on my credit report in which I did not recognize and sent the reporting agencies letters asking them to remove this inaccurate information. It has been more than 30 days which is the required time under the FCRA laws and I would like to get a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$34.00}, {$460.00}, {$310.00}, {$30.00} & {$55.00} I challenge the accuracy, compliance and reportability of these listings. There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) insurance provider confirmed that accounts were paid in full ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Mortgage

I submitted a request to close my escrow account on XX/XX/2024 and followed the instructed method by submitting a handwritten signed request via email. Additionally, a customer service representative told me that he also submitted a request for me. I received an email from Newrez acknowledging receipt of this request on XX/XX/2024. The website says that it can take up to 30 days for a removal of my escrow account to process. It took 45 days for my escrow account removal request to be approved. Today is XX/XX/2024. I still have not received my funds that were held in my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

I tried to login to my equifax to manage my data and place a freeze on the account but I continuously get this error, We are temporarily unable to complete this request. 
Please try again later. Equifax does not allow you to get help over the internet so I wasted my time in calling them only to be left on the line with no assistance. I waited XXXX minutes to talk to someone and after they answered got my information the call dropped.
Product: Debt collection

Today I checked my credit and discovered that this company has reported that I failed to pay them for services rendered. Ive check my records and I have never done business with this company and never entered in a contract to do so.
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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Dear Reader, I am writing to formally dispute inaccuracies I discovered on my credit report, which I reviewed in XX/XX/year>. Upon reviewing the report, I found several discrepancies that I believe are incorrect. Specifically : XXXX XXXX account ( ending in XXXX ) : This account is listed as being opened on XX/XX/year>. I believe this is an error and request that it be investigated. 

Inquiries : XXXX XXXX : Listed inquiry on XX/XX/year>. 
XXXX XXXX : Listed inquiry on XX/XX/year>. 
XXXX XXXX XXXX : Listed inquiry on XX/XX/year>. 
XXXX  XXXX : Listed inquiry on XX/XX/year>. 

I have already contacted TransUnion via phone to report these inaccuracies and have sent supporting documentation by mail and for months nothing has changed. I kindly request that you investigate these discrepancies and provide me with an updated and accurate report at your earliest convenience. 

Thank you for your attention to this matter. Please confirm receipt of this dispute and notify me of the results as soon as possible. 

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

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 5 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 
MY NAME IS XXXX XXXX ( XXXX ) Please remove any other variations of my name! my current and only address is XXXX XXXX CT, XXXX, OH XXXX My employer is XXXX please XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX    XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX