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

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : EQUIFAX Account Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with [ creditor name, e.g., XXXX XXXX XXXXXXXX ], which has been marked as " charge-off. '' After reviewing my credit report, I have found the following significant discrepancies between the credit bureaus XXXX, XXXX, and Equifax : XXXX : Highest reported balance : {$2500.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' The account was closed due to inactivity. 

Equifax : Highest reported balance : {$2300.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off, '' with the balance reported as a " loss by the creditor. '' These discrepancies show serious inconsistencies, particularly regarding the reported balances and the reasons for the account closure. XXXX states that the account was closed due to inactivity, while Equifax indicates that the balance was reported as a loss. XXXX reports a higher balance than the other bureaus. These inconsistencies violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit agencies to maintain maximum possible accuracy in their reports.

Additionally, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies noted affect the truthfulness and clarity of the information regarding my account. 

I request that, in compliance with FCRA and TILA, you investigate this dispute and immediately remove the inaccurate information, including the " charge-off, '' from my credit report. The differences between the credit bureaus clearly show the inaccuracy of the reported information. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports highlighting the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

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

I had my identity stolen in XX/XX/XXXX. The thieves opened 2 credit line accounts with XXXX XXXX. I found out in XX/XX/XXXX. Had a police report made and notified the the 3 Credit Bureaus. All of them is such a difficult thing to get help. almost impossible. The websites aren't clear as to what to do. The numbers they provide are not right, as they are automated and no way to speak to a person. In special with XXXX, I filed a dispute, notified them of the identity theft back in XX/XX/XXXX, printed a report with the information and as of today, XX/XX/XXXX my credit is still showing the derogatory information. 
It is absurd what a person has to go through after being victimized by thieves. Something needs to be done about these companies. Trans Union is the same thing. I notified the 3 of the fraud, yet, I had to spend the day talking to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am disputing the inclusion of incorrect personal information on my credit report. The following details are not related to me, and I have no connection to them. I kindly request that this information be promptly removed from my credit report. 

Incorrect Addresses : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX
Product: Student loan

In XXXX of XXXX, I setup a monthly auto payment with Coast Professional to rehabilitate my delinquent student loans. In XXXX of XXXX, my scheduled payment failed to process. I did not receive any notification that payment had failed. I believed payments were still processing as usual, since I was not informed otherwise. In fact, I received monthly statements from Coast Professional and those did not indicate there were any missed payments, outstanding balance, or any other abnormalities with my account. It was only brought to my attention that there was an issue when I received notice from the Department of Education indicating that my wages would be garnished. 

Ive contacted both Coast Professional and the Department of Education to rectify this and resume payments, yet both indicate that its up to the other organization to approve me continuing my loan rehabilitation without having to start the process over entirely. I spoke directly to XXXX XXXX, a Consumer Care Manager at Coast Professional, and was told that the Department of Education could add a note to my account regarding me remaining in the rehabilitation program. I contacted the Department of Education and they made note on my account yet when I contacted Coast Professional again, they are now saying that it must be a direct order from the Department of Education. I continue to get the run around with nobody seemingly able or willing to adequately assist with this issue. Everyone seems to understand that this was an error and that I did not receive notification, yet Im still told I will need to start the rehabilitation process over anyways. Additionally, Coast Professional accepted payment from me on XX/XX/XXXX, which I made to show that my intent is to remain consistent and that the payment failure was due to an unforeseen issue and not a lack of funds or any other outright failure to pay and comply with the rehabilitation terms. 

I have again followed up with Coast Professional and spoke with XXXX XXXX, another Consumer Care Manager. I was informed by him that any attempt to reach me would have been from XXXX. This is the same number I saved in my contacts when first setting up my loan rehabilitation, at the advice of the representative for my account. I did not receive any calls from this number. I was also informed that Coast Professional did not leave a voicemail and that no mail was sent to notify me of a payment issue. Not even the monthly mailed statements show any missed payment. This is an unfair debt collection practice and it is very misleading to send monthly correspondence via mail and not inform consumers of any account issues. I believe this is predatory and not in the spirit of honest, clear communication with consumers. Actions such as this directly result in a collection agency being able to retain a borrowers account in their portfolio by recycling them through the rehabilitation program multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the debtor on XX/XX/XXXX requesting my signature proving this is my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Product: Debt collection

RGS Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX is calling using an fake or spoofed caller id. They have called numerous times with fake caller id.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documents? Certain accounts listed are incorrect, causing me discomfort.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017, I sent a certified return receipt letter to Capital One Auto Finance with validation of loan and competent evidence bearing my signature, showing I had ( or ever had ) some contractural obligation to pay for a vehicle loan and disputed the account for accuracy. The letter was signed for by XXXX XXXX on XXXX XXXX 2017. <P/>On XXXX XXXX 2017, I received a letter from the Credit Bureau Team of Capital One Auto Finance stating the have confirmed that Capital One Auto Finance is reporting correctly.
<P/>
Capital One " verified '' with out showing my signature nor providing information on who conducted the verification of the account. <P/>On XXXX XXXX, 2017, I sent a letter stating, " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on XXXX2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. '' Today, XX/XX/2017, I received an updated credit report from XXXX showing that I disputed the account and the Credit Bureau continues to " validate '' the account well after the 30 day period of non-compliance of Capital One Auto Finance as to the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).
Product: Credit reporting or other personal consumer reports

Its like with Transunion I cant access my credit report or score online. Every time I try to log in I have to call and reset password. When I finally login I cant see report or score so I have to get them to mail it. But with XXXX and XXXX I have no issues. Then why I try to apply for credit with lenders they say they unable to verify my identity like a credit monitoring service has my credit lock or frozen
Product: Debt collection

Harris & Harris , Ltd XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX I owed XXXX Income Tax and paid it off directly to the XXXXXXXX XXXX XXXX XXXX . This collection agency keeps bothering me by sending me collection notices and leaving voice mails saying that I still owe.
Product: Checking or savings account

Bank put a retroactive 60 day freeze on account. Said freeze would be lifted if I submitted statement from bank the funds came from to the fraud deaprtment whhich I did several weeks ago but the freeze was never lifted. After the 60 day freeze was up they still will not let me transfer money. They say the fraud department is still working on it but will not say why. They will not call back. They will not answer e-mails. I have called several times over the last 4 days ( XX/XX/XXXX-XX/XX/XXXX ) with the same zero results.
Product: Mortgage

Requested mortgage assistance for my property with financials XX/XX/2019. The  mortgage company is hard to work with and is not wanting to help me.. I have been trying to get the mortgage back on track for over a year now. Recently I moved in the property to care for my mother who is not in good health, I am responsible for her care. There is a foreclosure sale set for XX/XX/2019. I do not want to lose the house. 
The balance of the mortgage note has come due I need the mortgage assistance to get back on track with the payments and make it affordable. 

Please Help See Attached
Product: Credit reporting or other personal consumer reports

The duty pursuant to the FCRA, it EXPERIANs to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting XXXX inaccurate late payment for the XXXX XXXX XXXX account beginning in XXXX. This includes a 30 day late payment posted in XX/XX/XXXX. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to EXPERIAN via written letters to remove this inaccurate reporting of late payments on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, however they have continued to ignore my requests. It is because of this inaccuracy that is causing my wife and myself to not be able to find a mortgage lender in order to secure safe housing for us. I fear that if these inaccurate late payments arent removed soon, that we will be homeless.
Product: Checking or savings account

Im trying to login into my Wells Fargo online banking but my phone number and email aint updated and I needed my bank to update my phone number XXXX and my email XXXX so I could get my authentications codes coming through and Im not available to go into the branch or spot any ATMs at the moment and I need to make some transactions to my clients on app and I want My Bank to send an automated transfer for me from the banking systems thanks
Product: Credit reporting or other personal consumer reports

They wife and I did not consent to any hard credit pulls from XXXX XXXX and its affiliates. There we re two hard inquiries on XXXX of XXXX  that we didn't give permission for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account 1 : Dept of EducationXXXX # XXXX, Account 2 : Dept of EducationXXXX XXXX XXXX, Account 3 : Dept of EducationXXXX XXXX # XXXX, Account 4 : Dept of EducationXXXX # XXXX , Account 5 : Dept of EducationXXXX # XXXX, Account 6 : US Dept of EdXXXX # XXXX, Account 7 : State of MI Office Chi # XXXX, Account 8 : State of MI Office Chi # XXXX, Account 9 : Congress Collection # XXXX, Account 10 : Congress Collection # XXXX 15 USC 1681 Section 602 ( A ) States I have a right to Privacy.

15 USC 1681 Section 604 ( A ) ( 2 ) States a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 Section ( C ) ( a ) ( 5 ) States No consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information other than records of probation 's or crimes which anti-dates the report by more than 7 years.

15 USC 1681 ( S ) 2 ( a ) 1 A person may not furnish any information related to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, consumer, am a natural person who regularly extends, renews, or continues credit and who regularly arranges for the extension, renewal, or continuation of credit, otherwise original creditor. See Equal Credit Opportunity Act ( ECOA ).

I have a secured right to privacy and confidentiality that was breached by the furnisher without consumer consent in violation of Florida Statute 540.08.

No person shall publish, print, display or otherwise publicly use for purposes of trade or for any commercial or advertising purpose the name, portrait, photograph, or other likeness of any natural person without the express written or oral consent to such use given by : ( a ) Such person; or ( b ) Any other person, firm or corporation authorized in writing by such person to license the commercial use of her or his name or likeness. 

Identity theft means a fraud committed using the identifying information of another person without authority. See 12 CFR 1022.3 ( h ).

Furnisher has conspired with third parties companies d/b/a consumer reporting agencies disclosing personal information without consent in breach of trust despite FDCPA cease communication notice. XXXX XXXX continues to furnish deceptive reports without consumer consent to third parties and fails to remedy violation. After several calls to cease reporting, Customers bank filed a cease and desist notice against consumer alleging harrassment for exercising consumer right of privacy as trespass by XXXX XXXX.
Product: Mortgage

We have a dispute with our mortgage company, PHH MORTGAGE SERVICES ( PHH ). We contacted PHH in either XXXX or XXXX and requested 3 months XXXX XXXX, XXXX, XXXX XXXX mortgage forbearance and it was granted. Thus, in XXXX we began paying our mortgage but only noticed in XXXX that it stated that our loan was delinquent. We contacted PHH mortgage and was told that our mortgage was deferred for three months and in XXXX we are expected to pay the 3 months mortgage {$5100.00} XXXX XXXX X XXXX ). We are now dumfounded by this illogical demand. The customer service representative then suggested the XXXX can be repaid over the next 6 months by paying an additional {$860.00} each month. We are totally unable to do so. 
PHH states on their website If you have been affected by the Coronavirus ( Covid-19 ) we will help you through this difficult times. Helping homeowners is What We Do. Knowing our income was being drastically reduced, we also contacted other financial institutions ( XXXX, XXXX XXXX, and XXXX XXXX Mortgage ) that granted us forbearances until XXXX and extended our loans by XXXX months. Our main income comes from veterans benefits, and our children ; both children became unemployed early XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts with XXXX XXXX XXXX XXXX showing on my credit report auto loan account # XXXX and unsecured loan # XXXX it has been over 7 years these accounts should be removed from my credit report. i have never been a member with this credit union and these loans are not minds.
Product: Debt collection

Our loan was transferred to another loan servicing company - Freedom Mortgage back in XX/XX/XXXX. I reached out to this company first on XX/XX/XXXX to check our loan. Rep stated to call back in regard to loan modification. Called again on XX/XX/XXXX to get update. No update due to still waiting for the documents from previous loan company. I called again XX/XX/XXXX to get update and no update yet. But on both phone call I was advised not to pay and wait for the loan modification to be completed. XX/XX/XXXX called again and still no progress as needed to still receive from previous loan company the complete package, in which I offered to send the copies of the completed package I sent to previous one to use. Rep said yes, send it so they can use it for review. I sent it and Freedom Mtg. received it. Spoke to several Rep when they called us in various dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In which they kept asking for the same documents that they already receive via XXXX and online. Every time I spoke with different Rep they kept promising that they will make a note that all documents are received and will create ticket to expedite review of loan modification as its passed the 2 months RESPA and want this done. Today, XX/XX/XXXX we received a letter from Freedom mortgage stating they are trying to connect with us with no success. What is going on? We want to resolve this but it seems like Freedom mortgage is loosing not only our documents but also the recorded messages that we been talking to them. Help us to just get this resolved as this is taking a toll on my health. My XXXX XXXX had been going up for the last 3 weeks regarding this. They need to get it together and learn to talk to all departments involve so that consumers are not stressed more.