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

XX/XX/XXXX Subject : Follow-Up Dispute and Request for Detailed Investigation Description Dear CFPB, I am writing to follow up on my previous dispute filed on XX/XX/XXXX regarding inaccuracies on my credit report. The issues remain unresolved, and I am requesting a detailed description of the investigation process your agency conducted, as required under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ). Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
I recently reviewed my credit report and noticed that the account detailed below continues to show inaccurate late payments. According to my records, I made all payments on time for this account, and the reported late payments are erroneous. I kindly request that you reinvestigate this account and update the inaccurate information promptly. 
Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX High Balance : {$6300.00} ( Discrepancy : Does not match across bureaus ) Last Verified : XX/XX/XXXX ( Discrepancy : Missing in XXXX and Equifax XXXX Date of Last Activity : XX/XX/XXXX ( Discrepancy : Does not match across bureaus ) Closed Date : XX/XX/XXXX ( Discrepancy : Only reported by XXXX XXXX Account Status : Closed ( Discrepancy : All bureaus show " Closed '' ) Last Payment : Missing in Equifax XXXX XXXX XXXX Missing in Equifax XXXX Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on XXXX XXXX XXXX and Equifax XXXX 
Violation of XXXX Laws : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : My consumer report should not contain information solely as to transactions or experiences between the consumer and the reporting entity unless they are accurately reported. 
15 USC 1666 ( b ) : Agencies must ensure periodic statements are mailed at least 21 days before the payment due date.

15 USC 1681i ( a ) ( 1 ) ( A ) : Requires a thorough reinvestigation of disputed information.

15 USC 1681s-2 ( a ) ( 1 ) : Prohibits the reporting of inaccurate information to consumer reporting agencies. 
Evidence of XXXX : I have attached my payment records and bank statements showing that all payments were made on time for the disputed months. These documents confirm that the reported late payments are inaccurate. 
Request for XXXX : Reinvestigate the inaccurate late payment entries for this account. 
Provide a detailed description of the investigation process, including verification procedures. 
If you are unable to verify the late payments, update the account to reflect " XXXX XXXX Agreed Never XXXX. '' Provide documented proof supporting the late payment claims, including dates, amounts, and relevant communications. 
Update my credit report within the timeframe established by the FCRA, Consumer Protection Act, and Truth in Lending Act. 
Failure to address this matter accurately and within the required timeframe will result in further escalation. I appreciate your prompt attention to this issue and look forward to receiving a response within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

This complaint is in response to an additional issue with our mortgage servicer NewRez dba Shellpoint as we just received an additional document this week on XX/XX/XXXX. 

On XX/XX/XXXX, we received a mortgage statement from NewRez DATED XX/XX/XXXX with a PAYMENT date of XX/XX/XXXX, XXXXwith a Payment due amount of {$810.00}. This statement was inconsistent with Official Form 410S1 filed on XX/XX/XXXX with the United States Bankruptcy XXXX for the XXXX XXXX XXXX North Carolina by XXXX XXXX XXXX of XXXX XXXX XXXX on behalf of NewRez. Official Form 410S1 stated that beginning XX/XX/XXXX our mortgage payment would be {$940.00}. 

We had previously received a Mortgage Statement DATED XX/XX/XXXX with a PAYMENT date of XX/XX/XXXX which stated our payment amount was {$920.00}. 

We were issued two statements with a XX/XX/XXXX, XXXX due date, with two different Escrow payment due amounts. 

Furthermore, on XX/XX/XXXX we received a letter due to our previous CFPB complaint from XXXX XXXX of the NewRez Compliance Department. Please see this letter that was sent to us through the CFPB portal and attached in this current complaint. 

XXXX XXXX letter was inconsistent with Official 410S1 filed with the United States Bankruptcy XXXX for the XXXX XXXX XXXX North Carolina by NewRez and the Mortgage Statement we received dated XX/XX/XXXX. 

We demand these complaints below to be answered in their entirety. 

1. Why did we receive two Mortgage Statements with a Payment due date of XX/XX/XXXX and why did the statements show two different escrow amounts. 

2. As Official Form 410S1 was filed by NewRez with the bankruptcy court and which stated our new mortgage payment would be {$940.00} beginning XX/XX/XXXX, why did Ms. XXXX state in her attached CFPB complaint response, state that our payment due for the XX/XX/XXXX installment in the amount of {$830.00} less the {$25.00} in unapplied funds from the return payment fee being waived? 

3. As Official Form 410S1 states that our payment beginning XX/XX/XXXX, XXXX would be $ XXXX how did did Ms. XXXX XXXX the new payment amount of {$830.00} beginning XX/XX/XXXX and why does this directly contradict Official Form 410S1. 


4. Why is the ESCROW DUE AMOUNT on our Mortgage statement dated XX/XX/XXXX, XXXX show an ESCROW PAYMENT DUE OF {$240.00} 33 however Official Form 410S1 filed one month prior states the ESCROW PAYMENT DUE is {$350.00}.
Product: Vehicle loan or lease

A Certified Payment in the amount of {$18000.00} Which was to cover the total balance left on an auto loan agreement that I have with Ally as award me my clean and clear title was received by Ally Executive Offices on XX/XX/2022 receipt # XXXX. However I continue to receive threatening calls and text from their customer service department from a person name XXXX XXXX alleging that I still owed money on the loan. After speaking with Customer Service and demanding that they find my payment. I received a letter a letter from Ally Executive Offices Stating that the matter is under investigation. Nevertheless as of current date I still continue to receive harassing threatening calls in addition I am not in receipt of my clear and clean title despite having already paid this balance in full. At this point it feels as if my payment has been stolen by perhaps an employee at Ally Bank and I am being tricked into paying more money.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX and I saw some hard inquiries that did not have permissible purpose. 

1 ) XXXX XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2 ) XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3 ) XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4 ) XXXXXXXX XXXX  XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5 ) XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXX/XX/XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXX/XX/XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXX/XX/XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXX/XX/XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXX/XX/XXXXS XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXX/XX/XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXInquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the denials of both my XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX applications, issued through XXXX. These decisions were based on inaccurate and outdated information in violation of federal and state regulations. I request that these matters be investigated and reconsidered. I also want to highlight that the charge-off referenced in the denials is past the statute of limitations for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX not have been shared or reported, adding further violations to these denials.
Product: Credit reporting or other personal consumer reports

The information Ive identified on my credit report that needs to be deleted as the information is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor XXXX is reporting balances for accounts that were included in bankruptcy that was filed in XX/XX/XXXX & discharged on XX/XX/XXXX. ALL Accounts with XXXX should show included in bankruptcy, a XXXX  balance, and no negative pay history after the bankruptcy filing date, which was XX/XX/XXXX. Some of the accounts are reporting correctly with some bureaus and not others. To date, the items reporting incorrectly under each bureau are listed below. These are the ONLY accounts I am disputing - the rest are accurately reporting XXXX balance. 

XXXX  Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
2. XXXX  account # XXXX, reporting {$86000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 

Equifax Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
2. XXXX  account # XXXX, reporting {$86000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
3. XXXX  account # XXXX, Reporting {$82000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XXXX XXXX. 

XXXX  Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 

I have disputed this issue with XXXX  and all 3 bureaus multiple times and received mixed responses and partial resolutions. ALL of the XXXX accounts should be reflecting included in bankruptcy status, XXXX  balance, and stop reporting charge offs after XX/XX/XXXX. 

Alternatively, they should be deleted, as they all went into repayment in XXXX & XXXX ( see attached account detail docs ) & have never been brought current ( are now >7 years from original date of delinquency ). The creditor disputes that as they state the loans were in forbearance due to bankruptcy from XXXX, but that DOES NOT reset the original date of delinquency - that is illegally re-aging the account. 

I have kept records of all correspondence and I will report this with the attorney general if this is not resolved promptly after this complaint. 

I do not agree that I owe this debt, and nothing in this correspondence is an acknowledgement of owing any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 the XXXX XXXX XXXX reported me to the credit bureaus as 30 days past due. This problem was happened due to I din ' t receive my bank statement from XXXX. I went to talk with the manager on XX/XX/2019 at the XXXX XXXX branch office, XXXX, WA. Her name is XXXX, and I paid the bill. However, I explained the reason that I never receive my bank statement which causes me didn't know my checking account did not have enough funds to pay the auto payment system through XXXX, and she responded on this issue by asked me to contact the credit reports three bureaus. I did right away. From XX/XX/2019 until today the 30 days past due are still shown in the credit reports which hurts my score a lot to on impact my finance, my business loans, mortgage loan, insurance, etc. This is not fair! without the bank statement is no way for me to keep track of paying my bill online especially with the auto payment system. Truthfully, in never have 30 days past due with any loans with the lenders due I can keep track and manage my fiance and bill payment very well with bank statements by mail, but not online. Hopefully, you understand my situation and help me to remove this 30 past due with XXXX and the three credit reports bureaus asap. Thank you! Stay Safty. XXXX XXXX XXXX Note : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX The three credit report bureaus : Transunion LLC XXXXXXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX  XXXX XXXX  XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute an entry on my credit report pertaining to an account with a {$0.00} balance. The account in question is inaccurately listed as a charge-off, even though it has been paid in full and carries no outstanding balance. I kindly request the complete removal of this erroneous entry from my credit report.

The details of the disputed account are as follows : XXXX XXXX XXXX XXXX  Account Number : XXXX It has come to my attention that the inaccurate reporting of this account as a charge-off with a {$0.00} balance is adversely affecting my credit score and financial well-being. This erroneous information is not only misleading but has the potential to hinder my ability to access credit and financial services when I need them most.

I have made every effort to rectify this situation by ensuring the account is fully paid, and it no longer carries any balance. Consequently, the reporting of this account as a charge-off is wholly unjust and misleading. I am in complete compliance with my financial obligations and deserve an accurate reflection of my creditworthiness.

In accordance with the Fair Credit Reporting Act, I kindly request that you promptly investigate the accuracy and completeness of this entry. Furthermore, I request that you provide me with the results of this investigation within the stipulated time frame, as outlined by the Act.

I understand the importance of accurate and up-to-date credit reporting and its impact on my financial life. Therefore, I earnestly request your immediate attention to this matter and a swift resolution, resulting in the complete removal of the erroneous charge of entry.

I appreciate your prompt response to this dispute and request that you provide me with written confirmation of the removal of this entry once the investigation has been completed.

Thank you for your cooperation in resolving this matter and ensuring the accuracy of my credit report.
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 ITEMS. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022.
Product: Credit card

In XXXX of 2013 I applied for a " Sony '' card with Capital One after watching the TV show XXXX. I was going to have a XXXX in up coming XXXX and I was going to need a new recliner to assist me in the first month or so of healing. I was grateful for the card and there was no interest for the first year. 
My first several payments were substantial, and they almost immediately raised my credit limit from {$500.00} to {$3500.00} within two or three months of my making payments well over the minimum. 
Now I live on a fixed income and this card was tempting to have because many months I have to resort to using the food bank just to have enough to eat each month, so I used the card, and I used it often. Now my balance is over {$3000.00}, but I have managed, with the help of taking in a boarder to increase my income and therefore continue to make hefty payments every month. They are XXXX, XXXX and sometimes XXXX times the minimum required. My interest, once it began to kick in is 24.9 %, yet I keep making the big payments. It is hard to get the balance paid down to a reasonable amount because of this hefty interest. I have called XXXX times in the last almost two years, trying to get them to lower the interest rate, but each time they tell me no. They tell me that the interest rate only goes down with " special offers '', yet in the almost two years I have had this card and been paying huge payments, I have never been offered a lower interest rate. 
This company is raking in XXXX, yet they ca n't lower my interest rate from 24.9 %? I am on social security and only earn $ XXXX month. In the winter, when my heating bill rises to over {$200.00}, my average cost of living per month goes from just over {$770.00} to well over {$920.00} and that leaves very little for gas and groceries. I also receive food stamps, but for some reason, I only qualify for {$15.00} in assistance, so that is not of much help at all. 
Why wo n't this company reduce my interest rate? I have proven that I can make adequate payments, even on my limited income, yet they refuse to decrease their profit margin made on the back of some poor XXXX retired XXXX. I think it sucks ... ..but it sure seems to reflect the greed and avarice that permeates the climate of this country as of late. 
It will take me years to pay this off at this enormous interest rate.
Product: Checking or savings account

This is a continuation to my issues with TCF Bank/ Huntington . I am submitting the evidence.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX since then the date of last activity has been inconsistently updated. On Experian, the last activity is XXXXXX/XX/XXXX. If the information is coming from the original creditor the dates should be the same. We can not say this account is 100 % accurate so it is deemed INACCURATE. 
Please DELETE this account from my report XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, I ( we ) decided to use XXXX XXXX XXXX ( XXXX ) to consolidate our credit card debt. This debt involved 5 credit cards totaling {$32000.00}. As part of this process, we agreed to stop paying our debt directly to the credit card companies to allow XXXX to negotiate a reduced amount. Our 2 XXXX credit card accounts were subsequently transferred to Cavalry Portfolio Services for collections. Additionally, in XX/XX/XXXX, we signed an agreement with XXXX 's sister company XXXX XXXX to pay off all of the credit card debts, pending targeted negotiations. The XXXX cards were then paid off by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX respectively. 

Knowing that these accounts had been charged off by XXXX and now had a XXXX balance I contacted Cavalry Portfolio Services on the morning of XX/XX/XXXX. When I spoke to customer representative, XXXX XXXX, I confirmed that not only did these accounts had a XXXX balance but that my name is not even tied to the credit card accounts. This info is critical because these XXXX cards are still on my credit. If my name is not associated with these cards then it should not be included on my credit report! When I asked the Cavalry Portfolio Services representative to report this information to the credit bureaus, he referred me to his supervisor. The supervisor emailed me attachments of the satisfaction letters from both accounts. As further evidence to support my claim, my wife 's name is on both these letters and mine is not present. The supervisor could not guarantee that these accounts would be removed from my credit card report nor did he refer me to anyone else in the company that could handle my concern. Currently, these credit card accounts are still on my credit report. Please help remove this injustice from my credit report so that I can improve my credit score. Thank you!
Product: Debt collection

Account Name : I C SYSTEM ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Product: Credit reporting or other personal consumer reports

Credit cards or credit lines is showing 127 % on XXXX for Credit on Cards but there is only XXXX on the lines of credit and XXXX is used, which should be lower just waiting for the credit cards to update the information. 

If you look at XXXX and Equifax they show the property information but for some reason XXXX is showing something a lot different that is affecting my score. 

I know there are some issues with my account that I'm trying to work through. I had a company I left my son and items that should be business related are showing up on my credit report and working with an attorney to correct. However, XXXX is extremely difficult to work with and they don't seem to do extensive investigations to ensure their information is correct.
Product: Credit card

Cavalry Portfolio Servic {$2100.00} Cavalry Portfolio Servic {$6900.00} I put in a dispute through XXXX XXXX. it was stated that that the dispute would take 30 days. I followed the progression of the process on the XXXX XXXX  site. After 60 days of being " In Process '', the dispute disappeared. 

I called XXXX XXXX, and they said it was denied by XXXX XXXX XXXX which purchased the debt from XXXX XXXX XXXX 

I have not made a payment to either company since XXXX of 2018. 

According to Statue of Limitations is 3 years, for open ended accounts in Connecticut, where this credit was originally approved by XXXX XXXX, is located. 
Also, in New York State where I lived and still reside, the Statue of Limitations is 3 years, for open ended accounts. 

Therefore, this debt should be removed from any and all credit reports in my name.