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

I am disputing multiple inaccuracies on my Experian, TransUnion and Equifax credit reports for the account below : XXXX ( experian account number : XXXX ) XXXX ( equifax account number : XXXX XXXX ) These issues violate the Fair Credit Reporting Act ( FCRA ), which requires accurate and complete reporting. 

Incorrect Date of First Delinquency : The report lists XX/XX/XXXX as first delinquency, but there are late payments from XX/XX/XXXX through XX/XX/XXXX, making this date incorrect. 

Inaccurate Late Payments : Equifax reports two 120-day late payments for XX/XX/XXXX and XX/XX/XXXX, which is not accurate. Experian reports two 90 day payments for XX/XX/XXXX and XX/XX/XXXX which is inaccurate. Also the dates being reported as late differ on the experian, equifax and transunion reports.

" Purchased by Another L

ender '' Omission : The report states " purchased by another lender '' but does not provide any details about the new lender, leaving the account unclear.

These repeated errors violate the FCRA, specifically : Section 1681e ( b ) : Requires accurate and complete information.

Section 1681i : Mandates that credit bureaus investigate disputes and correct errors.

Section 1681s-2 : Requires furnishers to provide accurate information. 
This is my third dispute of these errors, and I request the account be updated as paid on time or deletion of the account. I have attached supporting documentation, including screenshots from my credit reports. You failed to investigate this account properly and your neglect has violated my rights. 

Thank you for your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled a copy of my XXXX  credit report only to find multiple inquiries that I did not authorize. I have disputed the inquires only for XXXX to respond with a verified letter and to contact the creditor. I do not know how XXXX verified anything when I could not get any information regarding the unauthorized inquiry. I asked for a signed application bearing my signature and no one can produce one nor can they see where I applied. The name of the inquiry in question is XXXX MANAGEMENT. I shows two different dates of XX/XX/18 and XX/XX/18. I should not have to keep going back and forth with XXXX regarding unauthorized inquires. This is affecting my score and bring my score down. I have started shopping for a home and these inquiries are damaging. Remove them immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX card - reporting late on 3 credit reports XX/XX/2019 by 30 days. account number XXXX account has never been late
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 under 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 listed IMMEDIATELY!
Product: Debt collection

XX/XX/XXXX, an account with XXXX XXXX XXXX XXXX was placed for collection with XXXX XXXX XXXX/XXXX XXXX. The balance owed is {$210.00}. I disputed with XXXX XXXX XXXX XXXX regarding this matter ; I believe I do n't owe them anything. 

XXXX XXXX XXXX/XXXX XXXX has reported the account as uncollected to Transunion Credit Reporting Agency . As a result of this reporting I have been unable to secure credit from any business and homeless for two years ( unable to rent an apartment ). TransUnion has estimated that they may remove the negative data from my report XX/XX/XXXX. 

I am requesting assistance from your agency with asking Transunion to remove the negative data from its report before XX/XX/XXXX. It would be greatly appreciated if it could be removed in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XXXX XXXX XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance XXXX XXXX  XXXX Balance {$0.00XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$630.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$1900.00} XXXX XXXX  XXXX Balance {$590.00} XXXX XXXX Balance {$730.00} XXXX XXXX XXXXXXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$10000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX MI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA 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: Mortgage

The mortfage company trying to force me to pay additional monies monthly on my mortgage after I paid my escrow shortage before the deadline. 

I purchased a money order on XX/XX/XXXX and mailed it in. 

The mortgage representatives told me the escrow shortage was due until XX/XX/2018 and they told me that's when they received it. 

However, I got a call on XX/XX/XXXX in the AM telling they had not receiced my mortgage payment. 

My credit union shows my mortgage payment cleared on XX/XX/XXXX 

Then the representative tells me I was short in my payment I asked how so? The representive said since my payment for my escrow got there on the XX/XX/XXXX I owe an additional {$11.00} a month on my mortgage. 

I asked how is that possible when I paid my escrow shortage beforeXX/XX/XXXX as per their statement expressed and per a representative I spoke to prior concerning the escrow due date because I had to wait for a replacement of the escrow bill. 
She kept saying it had to be in their office by XX/XX/XXXX. I repeated her telling me that got it on XX/XX/XXXX. So how could my payment be late? 

Then she said my mortgage payment was late and why I couldn't pay it on the XXXX  of the month? I told her according to my mortgage agreement as long as it get in by the XXXX it is on time and not late I tried to have them change my due dat to the last XXXX that way it would be closer to my date I get paid. They told me it was against FHA regulations to change my loan due date! 

Every bill I have changed my due date to accommodate close to when I get my income.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was lowered by 19 points due to XXXX raising my credit score, and when I did not use the available credit, they lowered the credit line which caused my credit score to drop. It look as if the company lowered my credit line. My payments have been on time for the entire time the account has been oprn.
Product: Mortgage

We had a Mortgage with Wells Fargo XXXX an interest rate of XXXX XXXX. Our mortgage originated in XXXX  Over the years as interest rates declined we contacted Wells Fargo to refinance at a lower rate. Each time we were told XXXX need to bring a considerable amount of money to closing & that it would on be financially beneficial.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

account : XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issue such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violated federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

My legal team went through my credit report with me once I was denied a loan for a car and house. They advised me to make a police report and dispute the incorrect reporting with the bureaus since the companies reported are unknown to me. The bureaus have come back telling me me that they need more time to investigate and its been 30 days already.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, CREDCO conducted a credit pull that I did not authorize, as it was intended to be a soft inquiry. I kindly request the immediate removal of both inquiries from my credit report. Thank you for your attention to this urgent matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was in XXXX  from XXXX til XXXX in the loan was in XXXX how if I was XXXX?
Product: Debt collection

I disputed this account through the appropriate procedures. 

XXXX and XXXX investigated this account effectively, the account was removed. 

XXXX failed to complete a through investigation of this disputed medical debt and it was returned verified. 

It is my understanding all three credit reporting agencies have to adherence, to the same investigative processes for a debt to reflect on a consumer report if it disputed. 

i disputed this material with all three credit reporting agencies on the same day, and only XXXX failed to investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus stated my account was properly investigated but how is that possible in the open date is inaccurate, the last date active is inaccurate, the date last reported is not accurate this is grounds for removal they also violated my rights under 15 U.S.C 1861 Section 602A states I have right to privacy 15 U.S.C 1861 section A section 2 also States that a consumer reporting agency can not furnish my account without my written instructions
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off CHILDSUPPORT XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XX/XX/XXXX {$8600.00} late payment XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Dear Sir/Madam, My name is XXXX XXXX and I reside in XXXX, Arizona. 
I have been attempting to refinance my house, purchased couple years ago, to eliminate the monthly PMI charges and also take advantage of the recent low interest rates. I did research and found several competitive pricing by checking lenders through the XXXX XXXX website. 

After careful evaluation, I looked at the XXXX XXXX  and the Watermark Home Loans organization. Watermark came up with the best offer and waived appraisal and origination fee for me to consider as my first choice for a 20 year loan, reducing my current loan period from 30 year.

After providing substantial amount information through Watermark home loan automated website and a month of half later my loan was " conditionally approved ''. As part of the final approval process with the underwriting and discussion with Watermark home loan analyst for the Watermark Home Loan mortgage company , the organization kept on asking and requesting new information without understanding or explaining the reasons. It appeared from my view point to be classic " Bait and Switch '' type of operation, as in the real world, the interest rates were climbing up and the company did not want to keep it's promise. 

I explained to the Watermark Home Loan organization that my current debt to income ratio is less than 20 percent ( Better than the when I got my original loan two years ago ) and I am not taking any cash out of my home equity to take advantage of the increased value of my house. My monthly payments under the attached disclosure, would have remained almost the same as my current payments. My goal was to reduce my payment period and get rid of the monthly PMI, because we are retired and live on pension and Social Security. Our Social Security and Pensions are more than enough to cover our mortgage, living expenses and maintain our life styles.

Watermark Home Mortgage Loan organization, customer service was extremely poor in communicating to me what was needed and why? Recently, they have placed my loan application under " Inactive '' status and when I asked, the loan officer gave a one liner " It was for income ; we
were not able to use income ''. I was totally surprised as my debt to loan value ration is considerably better than anytime inn the past.

I have lost precious time and the interest rates have creeped up.

I have attempted to work with the loan officer and the organization but they have shut me off, without a valid reason. I have asked for the managerial help, but have fallen in deaf ears.

I would appreciate your help in investigating this organization because I feel I have been discriminated due to my age, under the disguise of " Income '' verifications. 
I can be reached at XXXX ( Mobile number ) or via email, XXXX. 

Regards, XXXX XXXX XXXX email : - XXXX XXXX
Product: Vehicle loan or lease

I sent a XXXX Negotiable instrument to Chrysler Capital at their specified address for payoffs at XXXX XXXX XXXX XXXX, TX XXXX, for presentment on XX/XX/XXXX, and gave ten days to accept it for payoff in the amount of {$12000.00}, or return it with an explanation as to why it was not honored. I heard nothing. Not wanting to default on the loan during the ten day period of wait, made another cash payment of {$470.00} on XX/XX/XXXX. On XX/XX/XXXX, sent letter and notice of dishonor and 10 day notice to cure to the same address with no response. Sent a final letter on XX/XX/XXXX to the Legal Department at XXXX. XXXX  XXXX XXXX XXXX, TX XXXX informing them that if they do n't respond,, I will take them to US District Court. To the date of this report filing, have NEVER heard anything from them ... ever.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry from the bank. Ive never requested for my information to be obtained or shared. I actually called the bank to dispute a previous XXXX inquiry and ended up getting another one. This is a violation of the fair credit reporting act a violation of my rights a violation of law to the company. Ive requested to opt out season synthesis unfortunately, instead I received a hard inquiry. Im sure anytime Ive called them. Any conversations reviewed or hear me state that I would like to opt out cease-and-desist and do not want any contact with you at all unfortunately my wishes and the laws are not being respected so I have to go further now the company know you are violating the law and my rights
Product: Money transfer, virtual currency, or money service

I was chatting with an agent online on XXXX about connecting my bank account to withdraw funds from my online wallet. I was assured that any overdraft would be taken care of. I explicitly stated that the way the transactions were being processed, there would be a {$28.00} overdraft fee, and once again, I was assured that Paypal would take care of it. 

They then sent 2 sets of confirmation transactions, which resulted in not just 1 but 2 overdraft fees.

When requesting the transcript as it was not sent to me as it should have been, I've been told by online support to call in, and when called in, I was told to to contact through online chat.

I've been told 24-48 hours now multiple times, and none of it has come to fruition. Support tickets closed without contacting me. Escalations that go nowhere. No departments available, etc. Hours on the phone and online chat that have gone absolutely nowhere to resolve the main issue, which is the lack of transcript being provided. The secondary issues regarding what was in the chat and what the agent said, and as well as sending two sets of transactions through have been either ignored or put aside. 

It has now been a week and the futhest I've gotten is more " escalated '' tickets being created, and an e-mail from a " supervisor '' telling me to call a number I was specifically told not to call again regarding this matter. I have all the transcripts, all the phone conversations, everything recorded. For some reason, the only one that is missing is the one that is in question, from XX/XX/19 from the original chat I was having online regarding linking my bank account. How is that possible unless they are actively blocking me from access?
Product: Mortgage

This the letter I sent to our new mortgage provider We have learned that our mortgage has been sent to you and that at some point Stearns decided to send in the paperwork to foreclose on our house. 
We have been fighting with them for two years over mis-managed payments by us for our mortgage. 
Stearns says we owe {$13000.00}. 
By our records from XX/XX/XXXX thru XX/XX/XXXX we paid {$40000.00}. 
We owed {$44000.00}. 
Total behind {$4000.00}. 
And there is an escrow of {$1700.00} They have tried to tell us on more than one occasion that we didnt have insurance, we sent proof otherwise and they have never fixed any of the issues that we spoke to them about. 
Stearns Lending created escrows on our account in XX/XX/XXXX and in XX/XX/XXXX claiming we did not have insurance. Both times we had the insurance and presented proof. It took a considerable amount of time for them to realize we were correct and get rid of the escrow. They told us each time, that we needed to send them a letter stating that we wanted the escrow that was created in error, to be removed. Each time this happened it extended the amount of time of the escrows existence and made us late on payments we were making due to the incorrect information they had on file. 
This situation also affected our credit adversely. My wife 's and my credit plummeted. They finally fixed the error and our credit went back up but never fully recovered. I have attached photo evidence to show what Stearns has done to our credit. From my conversations with XXXX at XXXX XXXX, the mortgage was never returned to the original amount as was discussed and written in a letter from Stearns after removing each of the escrows. 
A lot of pain, suffering and financial burden has occurred from what Stearns Lending has done. 
The emotional pain has been huge. Arguments, talk of divorce, total dissension in our home. 
We have not been able to do anything with our credit since this started in XX/XX/XXXX. We wanted to get a home equity loan to add solar, and air conditioning and lower our payments. We could not. 
As we are fighting the claims by Stearns on how much we owe, we are falling further and further behind. 
One reason for this is XXXX XXXX, the company Stearns sold our deed to, told us not to pay until this is resolved. 
There have been two recent escrows created because of property taxes not being paid on time. That was caused by the state of Hawaii and filing issues that we are also currently dealing with and paperwork has been filed. 
Even with that we do not owe them nearly what they claim we do.
Product: Credit reporting or other personal consumer reports

I saw four unauthorized personal loans from Affirm reported on my XXXX credit report. I have never applied for any personal loan from Affirm so I disputed them on XX/XX/XXXX. To my surprise, XXXX said I am responsible for all of them when I checked the dispute results on XX/XX/XXXX. The first loan has an original balance of {$460.00}. The second loan has an original balance of {$78.00} and past due of {$27.00}. The third loan has an original balance of {$65.00} and past due of {$46.00}. The fourth loan has an original balance of {$290.00} and past due of {$8.00}. According to the website of Affirm, one of the eligibilities of loan is that the customer must " be a resident of the U.S. ( including U.S. territories ) '' and I am not. I do not understand why I had four loans with Affirm when I have never applied any loans with them and never received any communications regarding identity verification, loan approvals and loan payments. I also do not understand why Affirm approved four loans to a customer who does not meet their own loan eligibility requirement. I am extremely unsatisfied with Affirm for its lack of verification of the applicant 's identity and with XXXX for its way to handle the disputes in a improper manner.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account Balance : {$6800.00} Account Name : XXXX XXXX XXXX XXXX XXXX  Account Opened : XX/XX/XXXX Account Balance : {$4200.00}