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

Here 's an updated dispute letter based on your credit report details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of Inaccurate Credit Report Information Under the Fair Credit Reporting Act ( FCRA ) ** Dear Experian, I am writing to formally dispute inaccurate and unverifiable information on my credit report as maintained by your bureau. Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into the following items and their removal or correction if they can not be properly verified. 

Upon reviewing my credit report dated XX/XX/year>, I have identified the following inaccuracies : Accounts in Dispute XXXX. XXXX XXXX XXXX ( Account XXXX XXXX  ) - Status : Charged off - Reason for Dispute : The charge-off is incorrect and does not accurately reflect my payment history. I request verification of the charge-off status with original creditor documentation. If verification can not be provided, I demand immediate deletion. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX ) - Status : Charge-off - Reason for Dispute : This account was previously disputed, but the resolution was not in accordance with FCRA 611. I request a reinvestigation and documentation proving the debt 's validity. 

XXXX. XXXXXXXX XXXX  ( Account # XXXX ) - Status : Charged off - Reason for Dispute : The reported last activity date is inconsistent across the credit bureaus. Under FCRA 609, I request original documentation verifying the reported information. 

XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) - Status : Charged off - Reason for Dispute : ** The reported balance and charge-off status are inaccurate. I request validation of the debt, including the original contract and payment records. 

XXXX. XXXX XXXX XXXX ( Account # XXXX ) - Experian - Status : Repossession - Reason for Dispute : The reported repossession does not accurately reflect my account history. I request full documentation proving the validity of this repossession. 

Action Requested Per the FCRA, please : - Conduct a formal investigation into these accounts.

- Provide written documentation verifying the accuracy of the disputed items.

- Remove or correct any information that can not be verified.

If the disputed items can not be validated within 30 days, I request their immediate removal from my credit report as required by law. Failure to comply may result in a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) and further legal action.

I have enclosed a copy of my credit report with the disputed accounts highlighted for your reference. Please notify me in writing of the results of your investigation.

Thank you for your prompt attention to this matter. I look forward to your response within 30 days. 

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

**Subject : ** Dispute AgainstXX/XX/XXXXUnauthorized Account Reporting I am filing a dispute regardingXX/XX/XXXXreporting of an account under my name. I have contacted the U.S. Department of Education, and they have confirmed that there is no record of XXXX being the servicer of any federal student loan associated with me. Despite this, XXXX has reported an account under my name without any legal documentation proving their authority. I am requesting that the CFPB take immediate action and require XXXX to : 1. **Provid verifiable documentation** proving they are the authorized servicer of my alleged federal student loan.

2. **Cease all credit reporting** of this account unless they can provide lawful proof that I am responsible for it.

3. **Comply with federal laws** regarding student loan servicing and credit reporting. 
If XXXX can not provide proper documentation from the Department of Education, their actions constitute fraudulent reporting and should be addressed accordingly. I request that this account be removed from my credit report immediately if they fail to provide legal proof. 
I appreciate the CFPBs prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2021. They still have not corrected the mistake.
Product: Mortgage

In XX/XX/XXXX I lost my job. We continued to make our house payment until our savings ran out, while I desperately searched for a job. We went to our lender for help but could not get any. When a trustee sale was posted for XX/XX/XXXX we hired the XXXX XXXX XXXX to assist us in trying to get a loan modification. Both my husband and I are now working full time and we have very good income. The XXXX XXXX XXXX submitted the loan modification package on XX/XX/XXXX and the sale was postponed and placed on hold. On XX/XX/XXXX Ocwen denied our loan modification request stating that we did not make enough money to qualify. Ocwen calculated our income incorrectly at {$11000.00} a month. Our actual income is {$13000.00} a month. The denial letter also stated that the owner of our loan, XXXX XXXX, would not do any principal reductions. The XXXX XXXX XXXX appealed the denial in a letter that was sent to Ocwen on XX/XX/XXXX. In the appeal letter they disputed the income and also attached a copy of a loan modification they had received for another client with the same owner, XXXX XXXX, that offered a principal reduction. On XX/XX/XXXX Ocwen denied the appeal and stuck by their original reason for denial. The letter also stated that the only way that they could do the modification is if we could qualify for a payment of {$8200.00}. There were no other details such as rate, term or principal balance. There is no way we can make this payment. Our interest rate is very high at 6 %. Our principal balance is now at {$1000000.00} because of past due payments but the house is only worth {$850000.00}. We do not want to lose our home! Any help would be greatly appreciated.
Product: Checking or savings account

On XX/XX/XXXX Citizens bank stole {$850.00} from a newly opened checking acct. When i called and asked about it i was informed there was supposedly a debt from 2016? That they had stolen 2 weeks of pay to recoup. Well I manage my credit report through 4 diffent methods and have not ONCE, EVER seen anything from Citizens bank regarding this debt at all. I have NO clue wht it is for. Nor why i was never notified about it. It was not clarified to me why when i went in the branch to re pin my new atm card this wasnt mentioned to me. I opened the acct with no issue whatso ever. 2 weeks later without notification or due process of ANY sort. Without a chance to dispute or even to report fraud. They just stole my money. I have bills to pay. I have a near perfect credit score. I have never even HAD citizens acct in the past. Now if someone ELSE used my info to open one thats another story, but none yhe less I was never notified about it in any way shape or form. Now i have NO recourse in recovering my funds. This is not right. Its not.
Product: Mortgage

Our mortgage was bought by Statebridge Capital, we believe in XX/XX/XXXX, since XX/XX/XXXX, we have had problems with them paying our taxes and homeowners insurance from our escrow account. We fixed the homeowners insurance non payment problem by calling Statebridge every year on XX/XX/XXXX when the insurance was due, and telling them to pay it. We would tell them both insurance and taxes were due, but it would seem they only paid the homeowners insurance. We have been asking Statebridge for statements of our escrow account, which they have not supplied. They did supply us once with XX/XX/XXXX, and part of XX/XX/XXXX. We need every year they have owned our mortgage. The Town of XXXX, N.Y. s property tax department was also a problem as to finding out when, and what taxes were due, it was all inaccurate, and you will find out why I made this statement later. The only way we could get rid of Statebridge owning our mortgage was to refinance, which we did, and that is when we found out they did not pay XX/XX/XXXX & XX/XX/XXXX taxes, as per my previous statement. They did not pay XX/XX/XXXX second half of our property taxes, and they didnt pay any of XX/XX/XXXX property or school taxes. Because when we found out the taxes werent paid, we questioned the tax dept. and Statebridge,  only to get the answer of, your taxes are paid. Everything was all messed up. 
We have been fighting with them since they purchased our mortgage. We are not allowed to speak with anyone in the escrow department, so its always, someone will get back to you, but no one ever does. When we refinanced, the title search company didnt pick up that the taxes werent paid, the only way we knew the taxes werent paid was because we received a certified letter from the town of XXXX stating the 2nd half of XX/XX/XXXXs property taxes, and XX/XX/XXXXs property and school taxes for that entire year was not paid.And because the title search company didnt pick up on the tax problem, they paid the {$2000.00} fine. The back taxes were paid by our current mortgage company, but all they did was add the debt to our current escrow account. So technically we are paying our taxes what I believe will be 3 times, because the first time we paid was when the money was paid into our original escrow account with Statebridge, but they never paid the taxes, we have no idea where the money went. The 2nd time was when our current mortgage owner asked us to pay the back taxes in our refinance closing costs because there wasnt enough money in the escrow account to pay for the back taxes that Statebridge owed. We thought the back taxes we owed was from XX/XX/XXXXs second half, but it was from XX/XX/XXXXs first half taxes Statebridge didnt pay. Now the 3rd time will be with our current escrow account, they added the back tax payment of XX/XX/XXXX and XX/XX/XXXXs to our current escrow account, increasing our current mortgage payment. 
Until we get our escrow account information I can only give best estimates to the amount owed to us. Which my best guess would be {$12000.00} to {$15000.00}.
Product: Credit card

My Chase credit card number was stolen and used through a merchant ( XXXXl ) for roughly XXXX transactions between XXXX and XXXX of XXXX. XXXX operations has denied my claim XXXX  times because the documentation isnt enough. One manager used the term not compelling enough. I got married around the same time and expected to carry a balance due to XXXX cost. Fraudulent chargers were hidden within true charges. Chase operations team questions why I made payments throughout the fraud where I answer back I made small payments because I expected a balance because of XXXX costs.
Product: Credit card or prepaid card

I am receiving harassing phone calls that I have not made my BJ 's Comenity monthly credit card payment [ end of XXXX ). 
I have gone to bjs.com and clicked on link to 'Pay My BJs Perks Mastercard Credit Card Bill ' and am able to log in. After I log in, I see a message on their screen that says their website " Page not available. We are experiencing technical difficulties.

Smaller letters below that headline reads 'This page timed out or can not be found. If you need immediate assistance, visit Comenity.com and search by brand name to find the Customer Care phone number for your credit card account. '' I did that as above, and it loops me back to this same page.

I have reported this company ( Comenity Bank ). they are performing a very poor service. Everytime I try to make a payment, their website is down. They then make harassing phone calls even though I pay my bill via online 100 % of the time and am unable to do so because Comenity website is down. 

The last time I reported this- they reported my unpaid amount to XXXX, dropped my credit score, and I couldn't purchase a home when the interest rates were low. By the time XXXX investigated, the interest rates had escalated. Please have someone address the fact Comenity should be asked why their website is constantly down, and consumers should be reimbursed. I am not able to message them because their website is down. IF I wait on the phone, its a very long wait. This is customer abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submit a complaint In accordance with the Fair Credit Reporting Act, XXXX Account #, has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 602 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may mot treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXwww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report and the bank 's records ( learned through more research both parties require ). 

( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have hard inquiries on my report that are unauthorized on my report and need to be deleted immediately. 

Delete the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These are not companies I signed up for yet they're giving missed payments that I was not recognized for please remover any missed chargers or collections from these 3 companies I did not sign up for. Thank you! 

XXXX ) XXXX XXXX XXXX, XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX Original creditor, XXXX ) XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  # XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I received a message that my payment was due with Ally and that nothing was scheduled. I knew it was scheduled, but I went on the site and could not find it anywhere showing that I had scheduled it. So I scheduled it again sure enough they took it twice, when I called they said yes we took it on the XXXX and the XXXX so I asked for a refund. They took this payment electronically, admitted that they sent out the text saying there was no payment scheduled when there was, but I have to wait 10 days to XXXX weeks to get that money back via snail mail check. iIf they take it electronically, they should return it electronically, there is no excuse for making us wait other than it to hold money that is not theirs. It would be nice if the government would actually work for the human citizens not the corporate citizens for a change. This is unacceptable.
Product: Credit reporting or other personal consumer reports

A hard credit inquiry appeared on my report without my authorization. I did not apply for any credit or services related to this inquiry. I requested its removal from [ EXPERIAN ], but they have not taken action. Under the Fair Credit Reporting Act ( FCRA ), only authorized inquiries should appear on my report.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw incorrect accounts on my credit report this morning, and I have no idea how this even happened. I check my report regularly, and suddenly these discrepancies appeared out of thin air. I tried refreshing the page, thinking it might be a browser issue, but nothing was fixed. The inaccurate information stayed right where it was. Im really upset, and I need the documents Ive submitted to be reviewed closely so I can stop worrying about this problem forever.
Product: Credit reporting or other personal consumer reports

I am not showing up in the Equifax system, someone else shows up under my social security number and I am in the process of closing on a house and can not do so until this is resolved. I sent the documents to their po box in XXXX XX/XX/2023 and again XX/XX/2023 with no resolve. Equifax told me they had 3-5 business days to process the information and still have done nothing. I can not get any sense of urgency or help regarding the situation and everytime I call I get a different representative and there is no information to reference in regards to the timeline. 

How can I get this resolved in a timely manner or through fax? There has to be another way to resolve this. I have read many reviews that they have taken months or years to resolve this issue. 

I have several credit cards, a car loan, file W2 taxes every year and have had several different jobs with big corporations. I have had no issue with getting my credit from XXXX and XXXX. Equifax is the only issue. Please resolve ASAP.
Product: Credit card or prepaid card

In spite of opting OUT of ALL credit offers every year for the last many years, Capital One illegally continues to send me credit card offers, usually more than once per month! They are the only company that ignores the law. I have contacted them in writing. I have opted out via XXXX MANY times. CapitalOne does NOT comply.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

This debt collection has been going on for XXXX ( XXXX ) years. I have repeatly ask them to stop filing garnishments on me for a debt that I do not owe, and for XXXX that they never sent or produce a bill pertaining to the date. Instead, every 5 to 7 years they continue to file this in the courts. This is causing problems with my employment and adding stress to my life. In XXXX I received notice that they would not file the case was dismissed, also in XXXX ; however, now in XXXX here we go again with the same fradulent file. As of this date, they still have not produce a copy of a bill as I have repeatedly ask them to forward to me. This is a problem that I will differently take to every level I can to stop these types of actions against me, for 20 years of harassment and never producing proof of a debt is just totally illegal practices and I have repeatedly ask them to stop of provide proof of a bill and a letter of intent that I received concerning the so call debt. Why would you mail someone a letter saying you dismiss it and then you do the same thing in a few years.This is obvisously, some lawyer debt firm that buy someone name and then harrass them pertaining they are working for the company. They are claiming they represent XXXX XXXX XXXX, when the company knows nothing about a garnishment being filed on me. There is no documents because I never receive a bill from them.