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

Subject : Request for Correction of Inaccurate Late Payment Reporting Pursuant to XXXX XXXX XXXXXXXX ( b ) Dear Equifax Customer Service, I am writing to formally dispute an inaccurate late payment reporting on my credit report. According to XXXX XXXX. XXXXXXXX XXXX XXXX XXXX of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain the maximum possible accuracy of the information they report. The late payment entry associated with my account is incorrect, and I request its immediate investigation and removal to ensure compliance with federal law. 
The inaccurate reporting details are as follows : Creditor Name : XXXX XXXX XXXX Account Number ( if available ) : XXXX Reported Late Payment Date : XX/XX/XXXX, XX/XX/XXXX This incorrect reporting is causing unjust harm to my credit profile, and I demand a prompt investigation into this matter. Please verify the accuracy of this information with the creditor and provide me with documentation supporting the validity of this late payment. If you are unable to obtain verifiable proof of its accuracy, the information must be removed from my credit report immediately. 
To assist with your investigation, I have enclosed : A copy of my credit report highlighting the disputed item A copy of my identification for verification purposes Please correct this inaccurate reporting as required by law and provide written confirmation of the results of your investigation within the time frame outlined in the FCRA. Should you fail to comply, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. 
I look forward to your prompt response and resolution of this matter. You may contact me at the information above should you require further information. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address SSC FTC
Product: Debt collection

I have a debt collection reporting on my credit that I do not recognize. I have no knowledge to where this debt originated from. It states a school that I never attended for services that I have never used.
Product: Debt collection

For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX and Transunion ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, XXXX # XXXX, and they saying the amount is {$460.00} does not even match the amount I had pay to XXXX which was {$460.00}, I called XXXX to remove it asap i called transunion and also called XXXX and the lady named XXXX who suppose to file my dispute did not do it?? please ask XXXX  why? easy to check she was the last to login to my account they really need to address and she refused to gave me a report or file number?
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.

List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights.

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent Type this out exactly in this box of you want to input your info and remove instructional verbiage
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to the three major credit bureaus. I submitted my dispute on the XXXX of XX/XX/2022, today is XXXX XXXX according to the policies listed with these bureaus I was supposed to have a completed investigation by now. For my dispute submission, I sent in copies of my full credit report with highlighted and circled incorrect information, including a cover letter stating what I was disputing from the bureaus.
Product: Mortgage

Flagstar advertises and allows " Bi-weekly '' Payments, and under their terms and conditions listed on their website, any payment deducted from the payment account is credited to your loan : " When we receive Payment Instructions, you authorize us to electronically withdraw the authorized payment ( s ) from your Payment Account and credit the payment to your loan account. '' However, these truly AREN'T Bi-weekly Payments as they hold funds " in suspense '' until full payment can be made. This defeats the purpose of bi-weekly payments as the purpose is to lower the amount of interest that is compounding on interest. To state that payments get 'Credit ( ed ) to the loan ' when they are withdrawn and to not actually credit the loan until a full payment amount is withdrawn is unethical and directly conflicts with the terms and conditions listed on their website : https : //www.flagstar.com/myloans/info/terms-conditions. This could also be a violation of my loan 's terms and prepayment options.
Product: Checking or savings account

Call took place on XX/XX/2024 @ XXXX est - XXXX est I received a fraud text so I called the fraud department at XXXX Spoke to XXXX ( refused to give me her last name ) She helped me verify my transactions and found that there was one unauthorized transaction so she explained to me that my card will be closed and that a new one will be sent to me. 

I said that is fine but is there any way she can allow me to make an atm withdrawal as I needed cash at that moment and then she can close it right after I make a withdrawal. 

Her exact response was I already closed your card, you shouldve let me know before the card is closed I asked her can you reopen so I can take some cash out? I need money. 

In a very condescending tone, she said theres no way to do that the system wont allow me to do that, you can go to a branch with your ID and take money that way but again, I needed cash now. 

She was not showing any compassion towards my situation at all and the cherry on top was, SHE HUNG UP ON ME! 

I called the same phone number back and got XXXX, or XXXX  and he was able to reopen my card for a minute and I was able to withdraw funds with no issues. 

With customer service skills like XXXX, she belongs at a XXXX XXXX, not dealing with peoples sensitive financial matters. 

This is who you have representing your company. Citizens Bank.
Product: Credit card or prepaid card

Yes its been over 80 days and XXXX XXXX who is the actual owner of XXXX credit card can not get a resolution and I ended up making four payments and to this day only XXXX a manager at XXXX call center located XXXX XXXX agent id XXXX XXXX XXXX Colorado they owe me over XXXX plus internet in over payments
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : XXXX XXXX XXXX XXXX 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: Mortgage

I am having with my mortgage servicer Ditech, Formerly Green Tree Servicing. They have the same employees from Green-Tree because I was told by an employee after I was abused again on the phone. Im sure that you are aware, but in case you arent Green Tree Servicing was issued over 60 million in fines for bad practices. I am unfortunately one of their customers and I have nothing but issues with them from the time my loan was sold to them. I am first and foremost a human. I became sick. I was receiving abusive phone calls from them every day of the month after the first day of the month. Any dealings with them were starting to be ignored by me and I stopped answering my home phone all together as I was just simply overwhelmed, sick and beginning to break down emotionally. I have a crazier situation in my neighborhood, but it would take a much longer letter to explain. I got a mortgage modification, and after about a year of this modification my mortgage went up in price. I am a human and as a human we make mistakes, so for five months I did not realize my payment went up. Green Tree because of the escrow shortage made it a full payment ( considered it to be that I missed a month-Instead of treating it like escrow. I was told by a supervisor on XX/XX/XXXX & I recorded the phone call that they would not report escrow as being late, yet that is exactly what they did. I had continued making my regular payment on-time, without the escrow increase unaware. When I realized it I immediately started to send extra. Ditech ( formerly Green Tree ) admits I made a payment arrangement with them. After making a payment arrangement how can you continue marking the on-time payment that includes and extra payment towards the escrow late? They admitted I made a payment arrangement with them & yet they continuously mark me 30 days & 60 days late. I was being marked late from XX/XX/XXXX XXXX the whole year of XXXX. I am in possession of the credit report, the printout from the mortgage company of the dates when they received the payments. I am getting no-where on the phone and they are unwilling to take those lates off of my credit. I get the run-around on the phone. These lates are not just marks on a paper, this is my life we are dealing with. Right now I found the perfect house, but I can not get mortgage approval ( its the only thing holding me back ) its urgent as I dont want to loose out on that home, its perfect amount of space, taxes are good, away from this community and private. I am trying to get a better life for my kids, we are currently a family of XXXX in a 860 sq ft home. The private community in which I live is a struggle. While I am grateful that I own a home, and I have a roof over my head, its not a toxic situation and I am asking you to please help me. This is bad practice. Please follow up urgently.
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. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


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

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.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

My wife and I have been working with XXXX XXXX XXXX and XXXX XXXX of U.S. Bank Home Mortgage for WEEKS on an application for a home equity loan on our vacation home in TN. We passed the application process and were finished with the document submission process. We submitted every single document requested. We have received Disclosures along the way. We have had email and phone correspondence during the process. On Friday, XXXX sent what appeared to be a form message saying that our collateral does not qualify because it was on XXXX for over 90 days. This was not new information. It was explained at the outset at the very beginning of the application. We dont understand why this was this mentioned after the fact and like this. We relied on this process and the disclosures and have signed an agreement with a contractor who has started work. How can U.S. Bank Home Mortgage pull the rug out from under us now? Neither XXXX nor any of the managers we contacted to question this action have responded to us. This is NOT how a company like this should be doing business. It's unconscionable. Our primary mortgage for this property is with US Bank Home Mortgage, and we have been good customers. Theyve already done the appraisal, paid for by us, to determine the equity, which happens to be greater than the mortgage balance. If U.S. Bank Home Mortgage will not do the right thing here, we will publicize our experience EVERYWHERE and refinance the entire loan somewhere else. Please dont let them get away with this.
Product: Money transfer, virtual currency, or money service

My family and I was looking for a cabin in XXXX XXXX, Tn. We were unable to take a trip last year due to COVID. We decided to search for cabins on XXXX or through the XXXX XXXX Owners Page. After doing an inquiry on the owners page I received an email back the next day which was XX/XX/XXXX telling me that he owner a lot of cabins in the area and that he would be more than happy to find us a place. Our booking dates were set for XXXX XXXX. He gave us a total of {$3000.00} for a 12 bedroom 12 bath cabin that slept 56 since that was within our budget. He told us that {$1500.00} had to be paid ASAP and the remaining needed to be paid 5 days before arriving. We paid everything and he informed me that he was looking forward to meeting and greeting my family upon our arrival. We left around XXXX XXXX from our town in Alabama and made it to the cabin around XXXX XXXX on XX/XX/XXXX. Upon arrival at XXXX XXXX  we noticed that the cabin the man gave us the address and passcode to already had someone staying there. We then went to the check-in office and showed the lady at the desk the contract that included the information for the rental. She called the property manager and the manager over XXXX. And he informed her that my name was not in their list for check in nor did they have any knowledge of the man that took our money. We called Called the company that we made the payment through ( Xoom powered by XXXX ) and was told that nothing could be done because the payment was already completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there are hard inquiries that I had from companies that I did not give my consent to and that I don't have an account with at all.. that makes improper use of my report.. 

XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX- XX/XX/2019 XXXX XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX  - XX/XX/2019 Syncb/Amazon - XX/XX/2019 XXXX XXXX  - XX/XX/2019 National credit card cos.
Product: Vehicle loan or lease

On Monday my car was removed from my apartment complex when my mother called me to see if If I was home and where I had been all day.i am three months behind on my car note but have been more than six months last year behind on my car note and caught up this year due to my pending XXXX case in regards to my XXXX XXXX XXXX. I did call ally they told me I would not be able to get my vehicle back unless I paid over XXXX. I explained to them once again in all the times I had been late that I am pending an Ssa case and receive XXXX a month. I originally took out my loan in XX/XX/XXXX. In XX/XX/XXXX I was taken off of work and notified ally in XXXX and XXXX for an XXXX XXXX. I am in the process with my attorney XXXX XXXX filing my appeal XX/XX/XXXX for my Ssa claim. I lost my job and have been reviewing long term payments since XX/XX/XXXX and continued to catch my car up when I could and always when I have got my taxes as this company has refused to help me refinance. In XXXX of XXXX I was behind, they contacted my mother my father my cousin XXXX XXXX, my aunt XXXX XXXX as well as my cousin. XXXX XXXX to leave them messages for me to contact ally. Since when does ally get all my families information and why are they contacting cousins aunts and parents regarding my loan? This is illegal as they are not the consigned of my vehicle and they continue to call me and then call me mom whose number is listed on the XXXX. In XX/XX/XXXX my payments became long term and went through XXXX solutions of XXXX XXXX. During my pending XXXX case every time I have spoke to them they would add to back of my loan or I would have to catch it up as always. I receive XXXX a month and XXXX total after taxes are taken. Ive told them number kid times I was pending XXXX from XX/XX/XXXX to current and that after taxes I the XXXX a month yet they continue to not work with and now have my vehicle. I have told them that my federal student loans were waived and they continue to not refinance but even now call my moms phone or my dads but then get XXXX with me for a XXXX pending Ssa case. I do not feel it is fair and feel I have been violated since my local XXXX doesnt help clients with children to catch required vehicles items during a disbaility. I called preferred XXXX where I originally bought the car to see if I had XXXX insurance or gap. I spoke with XXXX who even agreed to help refinance my car for lower payments at the dealership I went to XXXX miles away.
Product: Credit reporting

XXXX removed XXXX from my credit report cause I furnished proof, XXXX sent me a letter telling me the stuff I asked for to prove charges they say are mine that this info that is supposedly mine is personal and confidential, If it is referring to me how can that be? I am entitled to be shown proof of these charges. I sent same info to equifax and they finished there investigation within two days, same day I put the info in the mail and have heard nothing, cause evidently they already agreed with XXXX and did n't review my proof. I can mail you the letter I am not good at uploading.
Product: Credit reporting, credit repair services, or other personal consumer reports

lexis nexus is allowing everyone unfettered access to pwrsonal data they had no right toever collect. then they act like the XXXX, demand decades of data-to remove data, which they then claim is accurate ( never volunteer data ). 
it takes an act of congress to get them to remove anything and then they rinse, wash, repeat. credit lines are demanding access, but nexus is not a legitimate cra. i have been denied two cards, etc on this basis alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX  days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the account removed from my file as soon as possible. 


XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

Hello. Please, help me. 
I won the bidding on Eby.com for an XXXX XXXX. ( XXXX XXXX XXXX XXXX Set NEW + Warranty ) ( XXXX ) ( Seller : XXXX ) The seller suddenly canceled the transaction on ebay. and sent me the Paypal invoice for {$500.00}. 
I felt a little weird but He tried to persuade me. anyway I made the payment via Paypal. 
But after getting my money, He went out of my reach and never reply me back. 
He is so suspicious. I think he is committing a fraud for getting my money, {$500.00}. 
By checking our message on Ebay, you can find it out. 

Please, help me.
Product: Credit reporting or other personal consumer reports

I have attached an attachment with my dispute that should not belong on my credit report.
Product: Credit reporting or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under the FCRA15 USC 1681 A4 by EQUIFAX. This has caused me financial injury and defamation of character. I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit, which is needed during this time in pandemic. This is not only affecting myself, but my children and family as well. Delete all incorrect Personal Information immediately!

NAMES REPORTED XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYMENT INFO XXXX  XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to provide a free annual credit report via XXXX. Spoke with customer service supervisor on XX/XX/2021 and they confirmed that Equifax refuses to provide a free annual credit report via XXXX.