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

To whom may concern, I am writing to formally dispute the inaccurate and inconsistent information being reported on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The FCRA mandates that credit reporting agencies maintain and report accurate, complete, and verifiable information. The discrepancies outlined below violate these standards and have caused harm to my creditworthiness. 

The account in question, referenced as XXXX XXXXXXXX XXXX XXXX, is being reported differently across the three major credit reporting agencies. Below are the inconsistencies I have identified : XXXX : Account Number : XXXX Last Activity Date : XX/XX/XXXX High Balance : {$7600.00} Payment History : No history reported Equifax : Account Number : XXXX Last Activity Date : XX/XX/XXXX High Balance : {$0.00} Payment History : 61 % payments made on time ; 120 days past due in XXXX and XXXX of XXXX Additional Issue : The account has been charged off more than once, violating the statute of limitations. 
XXXX : Account Number : XXXX Last Activity Date : XX/XX/XXXX High Balance : Not reported Payment History : 40 % payments made on time ; 120 days past due in XXXX and XXXX of XXXX Additional Issue : The account has been charged off more than once, violating the statute of limitations. 
These discrepancies are not only a clear violation of FCRA 1681e ( b ), which requires credit reporting agencies to ensure the accuracy of the information they report, but they also reflect gross negligence in verifying the data provided by the data furnishers.

Furthermore, the repeated " charge-off '' entries violate the principle that a single debt can not be reported as charged off multiple times, as this unfairly extends the negative impact on my credit file. This action contravenes the statute of limitations under federal and state laws.

I am demanding an immediate investigation into these inaccuracies, as required under FCRA 1681i ( a ). Please : Conduct a thorough investigation of the discrepancies reported.

Provide a detailed explanation of the investigation 's outcome.

Correct or delete the inaccurate information.

Provide me with a free updated copy of my credit report reflecting the corrections.

Failure to comply with this request within the legally mandated 30-day period will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal recourse for damages caused by your negligent reporting practices.

I have attached supporting documentation for your review. Please confirm receipt of this letter and provide an update on your progress within five business days.

Thank you for your prompt attention to this matter.
Product: Debt collection

Some disputes on various accounts are for my ex-husband account I don't have nothing about
Product: Debt collection

Hi XXXX/ERC ; I'm not quite sure what happened! Why am i seeing XXXX back on my credit from a different debt collector? It was reported on my credit before by XXXX XXXX XXXX and i opened a claim against them and XXXX and it then deleted. Now i'm looking at my credit i see newly opened date for the XXXX   for last month! Isn't this the same as before? What is the actual open date then? Why was it placed on my credit report without my knowledge? 

Again, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the  original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent  such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please  provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit card or prepaid card

I got multiple invitations from Citi diamond card that I am part of a select group to invited to ask for a Credit limit increase with no effect on my credit score. Citi diamond kept bugging me sending multiple letters and emails encouraging me to ask for an increase. I thought well i'll do that just to stop the stream of mail. I log to computer & it auto-fills my password and takes me to Citi Costco Visa Card. I got wrong phone #. So I call tell the Agent that I am calling in about the invitation to ask for a credit card increase without a credit check. He puts me on hold then he comes back and says " okay, let 's start that, so you want to ask for an credit limit increase? '' He should have said I don't see that offer!! He runs a hard credit check and it's rejected so Citi Diamond got me hit this hard credit check because I mixed up Citi phone #, Costco Customer Service agent at Costco not paying attention at all
Product: Debt collection

This number have been calling my phone atleast 5 times in one day for the past week now. When I answer the phone no one says anything they just hangs up. This is harrassment and I wish they would stop calling me. I do not know of any debt owed to this company as I am up to date on everyone I owe. they have not sent me any correspondence in the mail about a debt nor have they left any messages. they constantly calls me without saying anything when i answer the phone.
Product: Debt collection

Consumer Portfolio Services ( XXXX ) XXXX Calls me periodically and asks about if I know where some person I 've never even heard of is and what he 's doing. They are INCESSANT about calling me even after I 've told them I have no idea who that is and that I have no outstanding debt with anyone and I 'm on a do not call registry. I 've even filed a complaint with the XXXX against them in which they lied and said they never contacted me. That stopped them from calling and asking for a while ( about a year ) but recently they have been calling me again asking about this guy I have never even heard of. I block the numbers and they create new ones I guess. Just looking for an apology and assurance that they will stop harassing me.
Product: Mortgage

Ocwen was to deduct my mortgage payment from my banking account. For unknown reason the payment did not go through. Ocwen never contacted me. Only when we sold our home did I find out that they were reporting me late every 30 days. When I contacted them it was revealed that the contact information on my account was someone else 's to include the mailing address. When I asked to have these late payments taken off my credit report they stated to me " Well you were late even if we did n't contact you '' and hung up the phone.
Product: Mortgage

SPS designed a repayment plan that I can not afford, also I can not afford a XXXX dollar a month payment. The repayment plan was designed using incorrect income and expense numbers. Its way to high and I don't understand why they would design a plan that does not fit my budget, wages and expenses. The plan I feel was based on high income numbers, my income has decreased considerably because I have serious XXXX XXXX such as XXXX  XXXX XXXX, I want them to change the plan and make it reasonable to what I can afford to pay, all they are doing instead of helping me, is setting me up for failure and foreclosure. I think there lending practices to me is very unprofessional and they refuse to work with me for a solution although they keep telling me that they are going to help. They have not done anything to help me, and I am afraid of losing my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by mail that I am a victim of the Equifax Data Breach upon reviewing my credit report after being concerned there are 3 accounts on my report that were removed earlier this year after disputing and and then re inserted sometime without the proper notification. The FCRA states they must send me notification within 5 days of the account being added or reinserted back to my report not only is the account info incorrect Equifax failed to send me notification of the accounts being reinserted. Equifax needs to remove these accounts immediately from my report. 
1. XXXX- XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX XXXX- EQUIFAX ALSO LIED TO ME ON SEVERAL OCCASIONS THIS YEAR refusing to correct my address STATING THEY NEVER HAD MY PICTURE ID OR SOCIAL SECURITY CARD ON FILE TO REMOVE FRAUDULENT ADDRESSES AND AFTER VIEWING THE LETTER OF THE BREACH IT SHOWS I INDEED SENT MY INFO AND THEY HAD MY DOCUMENTS ON FILE ALL THAT TIME. DOCUMENTS DATING BACK TO 2015 they only corrected this after sending complaints to the CFPB this alone shows this company can not be trusted. 

Here is the exact law pertaining to this situation : 15 U.S. Code 1681i - FCRA 611 ( a ) ( 5 ) ( B ) ( ii )  Notice to consumer : If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Mortgage

Selene finance LLP a private foreign corporation and MCLP finance a private foreign corporation has not provided all parties of interest of the property located at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX The XXXX parties and the statutory agent for Arizona ( automated ) did not give notice of a foreclosure sale and its recording at the county recorder provide information to the public auction through a third party named Auction.com. Since the XXXX of XX/XX/year> when an investor showed up to make an offer on our home, I had no inclination of a foreclosure sale set for the XXXX of XX/XX/year>. I have contacted my US House of Representative, HUD and Selene to provide me with the legal documents required by the alleged parties to be worked on with the borrower before any foreclosure action can be initiated by law. This foreign corporation and its associates have not responded or taken any action to work with the borrower ( me ) or respond to Congressmen XXXX, myself or other local agencies reaching out for answers. The only entity that is claiming there is a foreclosure is Selene finance and all appropriate agencies legally required to auction do not have the home publicly scheduled or available for tomorrow XXXX XXXX. I made a {$8000.00} payment 90 days ago and they deliberately misappropriated the deposit and will not remedy to keep the foreclosure going on their behalf. Furthermore they have left no option to access the account or to request instruments and documents that are required to be publicly available to me by law. I am only asking that this deliberate failure to work the myself as an American is investigated and corrected for myself and all the other victims of this crime. I also dont believe that either entity is a federal reserve agent and can lawfully make any deposit. I have XXXX yrs of forensic evidence backed up by affidavit and lawful TILA, RESPA request required by Selene and XXXX to answer and provide and have used law fare to not answer. Its the Law! If you require any mor assistance please reach out anytime. 
Thank you, XXXX XXXX XXXX, an American
Product: Mortgage

I filed a Chapter XXXX in XXXX. I received information from my mortgage company regarding a loan modification, which I immediately responded to. I had sent all of the documents requested, I have even continued paying my mortgage on time. I have left messages for the manager to contact me and I have not heard back from anyone. I have expressed the struggle I am having to pay my mortgage and I am being ignored. I also asked that they take me off auto pay as I need time to catch up with payments and they refuse to assist me. My account is in the negative because they did not honor my request. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still haven't received any response from the credit bureaus and it's already more than 30 days since I sent them the letter to dispute a negative item on my credit report. I sent them a dispute letter on XX/XX/2019, and up until now, there is no response from them.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I request that the unauthorized inquiries be removed immediately from my credit report. Enclosed/Attached are copies of my credit report highlighting the disputed inquiries, along with any relevant documentation such as the FTC report ( if you have a copy or reference number, include that here ).

Please investigate this matter and inform me, in writing, of the action that will be taken regarding these inquiries. I would appreciate a prompt response to this issue and the removal of the inquiries to rectify inaccuracies in my credit report.

Thank you for your prompt attention to this important matter. Should you require further details, please do not hesitate to contact me directly. 

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

2015 Bankruptcy is incorrect. I never hired the attorney listed on this bankruptcy and items listed are not mine. Someone elses bankruptcy is listed on my credit. Also, previously used names do not belong to me. My credit was affected when the credit breach happened and I was apart if the lawsuit. XXXX XXXX has removed the bankruptcy and inaccurate names as well as the chase bank charge off that is not mine. Experian is still reporting these items to my credit report. I have contacted Experian about 10 times to file a dispute to have removed. I have proof to show I paid my car loans and have receipt for pay off and I have never filed bankruptcy on a car loan. I want Experian to remove the items off my credit report immediately.
Product: Mortgage

My home loan was with XXXX Bank. In XX/XX/XXXX they sold it to Specialized Loan Servicing. I did not need to have and escrow account as I paid more than 20 % down. I have always paid my property taxes and house insurance. XXXX XXXX I switched from one insurance carrier to another. Proof was sent to XXXX XXXX. The first thing Specialized Loan Servicing did was open an escrow account and insinuate I had no insurance on the property and placed me into a substandard expensive insurance company. I wrote to them in XXXX and XXXX. They ignored them. I called in XXXX XXXX and was told to again send them proof of insurance, which I did. Effective XX/XX/XXXX I changed insurance companies and they started taking the monthly premiums on auto pay. They sent the company notice, not a bill. In XXXX XXXX I started getting letters advising I was behind on the payments. I have consistently sent them the loan amount plus extra to be applied to the principle. I've written to them and called them numerous times over the past XXXX months to no avail. Now they are saying I haven't paid a house payment since XXXX XXXX. They attempted to raise my payment from {$260.00} to {$750.00}. I have no idea how they came up with that amount. I have XXXX my property taxes every year which cost around {$1000.00}. I called my house insurance carrier to find out about the premiums. They informed me that Specialized had opened a debit card in my name and paid the insurance premium for the year. The company had not sent them a bill. They thought it was my personal debit card and reimbursed it the premium I had paid. Specialized never told me any of this. Any overages I paid to the principle are in suspense and they have been holding every payment I have made and not crediting my account. I will end up paying more in interest. I am attempting to pay the loan off in 10 years rather than 20 which upsets them. Now I have received a letter stating they will foreclose in 33 days if I don't pay them {$4100.00} which is more than the house payment and insurance combined. I have been paying an additional {$160.00} to reimburse them for the house insurance they paid. That is what would have been taken out by the insurance company. I can not refinance because they have reported to the credit bureaus that I have not made a house payment in 7 months. They also have someone taking pictures of the home. They are saying the house is unoccupied. No one at this loan company will honestly tell you anything. I want it stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit card or prepaid card

Sears by Citi credit card offered 0 % for 12 month promotion with activation, I activated offer and received - offer activated response, from website, did try to activated again, and received - offer already activated. Purchased item in excess of {$1000.00}, but did not see promotional balance on statement, called the Citi, they telling me that I did not activate promotion, which is a lie, sine i tried on 2 different occasions. Now they want to charge me excessive interest.
Product: Checking or savings account

In XX/XX/XXXX, I opened a business account with XXXX XXXX at the Bank of America in XXXX.I put {$5000.00}. I know if it does not work, I will lose this amount. I did not know the bank was going to give XXXX XXXX a credit line of {$25000.00} which he will increase to {$35000.00} later. After a few weeks, XXXX XXXX transferred all the money to XXXX XXXX and moved to XXXX XXXX. The last time I talked to him was in XX/XX/XXXX. He was trying to get money from me. After I refused, he got mad and asked me not to call him. A few weeks later, he changed his phone number My wife an I have a joint account at Bank of America. I have never received a call from the bank, an email or letter and I go to the bank almost every week. 
On Friday XX/XX/XXXX, the bank withdrew {$5800.00} from the checking and {$33000.00} from the saving leaving the saving with {$100.00} and the checking with {$74.00} because they did not want to close the account.They said the last time XXXX XXXX made a payment was in XX/XX/XXXX. They just want to collect their money. I have my mortgage, car insurance and other bills to pay. I have never used the card and never been contacted before