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

To whom it may concern, I am writing to formally dispute the accuracy of certain information contained in my credit report. I believe that these inaccuracies violate 15 U.S. Code 1681e ( b ), which mandates that consumer reporting agencies must use reasonable procedures to ensure the maximum possible accuracy of the information included in consumer reports.

Inaccurate Accounts : These account are inaccurate its showing to be charged off monthly. Accounts can only be charged off once. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies have significantly impacted my creditworthiness and have caused the following adverse effects : Denial of Credit Applications : Due to the incorrect information, I was recently denied credit, which has caused financial hardship.

Higher Interest Rates : The inaccurate data has led to a lower credit score, resulting in higher interest rates on the credit that I have been able to obtain, costing me more money in the long term. 

Damage to My Reputation : These inaccuracies have caused undue stress and embarrassment, particularly when my credit report was reviewed for housing. 

Financial Strain : The errors have affected my ability to access necessary credit for emergency expenses, impacting my financial stability. 

Under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681e ( b ), I am entitled to have accurate information reported. I request that you investigate these errors promptly, correct the inaccurate information, and provide me with an updated credit report reflecting these changes. These accounts have been removed and replaced back on my report. 

Please provide me with a written response detailing the results of your investigation and the actions taken to correct my report. I appreciate your prompt attention to this matter, and I look forward to resolving these inaccuracies as soon as possible. 

Thank you for your cooperation. 

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

BRIDGECREST Balance {$17000.00} Balance updated XX/XX/2024 XXXX XXXX XXXX XXXX Balance {$18000.00} Balance updated XX/XX/2024 Never sent me copies of 1099c
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # : 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 XXXXXXXX account # : XXXX XXXX has violated my rights. 

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

I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due because these are obviously billing errors. Below is a list of the disputed account. 
XXXX XXXX Balance Owed : {$890000.00}
Product: Mortgage

In the beginning of XXXX I was struggling to make my monthly payment and I called my mortgage company to request that we modify the loan to put the missed payment at the end of the loan. The mortgage person that I spoke with said that he noticed that I was in a disaster zone from a pervious hurricaine. He said because of this I can skip XXXX mortgage payments. He said they would be placed on the back of the loan. I asked several times during our conversation if they would be reported late on my credit report. I was told over and over again that the payments would not be reported late. I was told that I would resume payments in XX/XX/2024 ( I did not have to pay XXXX, XXXX, XXXX ) I received a call from the same mortgage company a few weeks later ( approx ) XXXX weeks and I was told that at the end of the grace period I would need to have all 3 months payments and if I did not they would be reported on my credit report and the company could foreclose. 

This was in direct contradiction to what I was initially told. The company representatives lied to me and they should honor what was first told when I requested help and that was that I would resume making monthly payments at the end of the grace period.
Product: Credit reporting or other personal consumer reports

I am writing to address the persistent issue of fraudulent inquiries on my consumer report, which remains unresolved despite my repeated attempts to rectify the situation. I want to emphasize that these inquiries are entirely unrelated to me, and I bear no responsibility for them. Their presence has caused me significant mental anguish and financial hardship. 

As a victim of identity theft, I find myself compelled to consider legal action if this matter is not addressed appropriately. These inaccurate and fraudulent items on my consumer report have severely impeded my ability to purchase my dream home and provide for my family 's needs. The impact on my financial well-being has been substantial.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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, credit repair services, or other personal consumer reports

I have on my credit report XXXX fraudulent hard inquiries in my name from XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent accounts in the sum of {$4200.00} open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX fraudulent accounts in the sum of {$1400.00} open XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX  have XXXX fraudulent account in the sum of {$830.00} open XX/XX/XXXXXXXX XXXX XXXX  XXXX fraudulent account in the sum of {$300.00} open XX/XX/XXXX. I have written and called XXXX, XXXX, equifax about thois manner
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE tried to open a credit card at XXXX XXXX a store I havent been in to in over 10 YEARS, on TWO different occasions!! THIS IS NOT ME!!! Im getting two hard inquiries on my credit report from this store!! One on XX/XX/XXXX and the other on XX/XX/XXXX - THIS IS FRAUD!! I also DID NOT make any kind of inquiry with Suntrust bank on XX/XX/XXXX OR with XXXX on XX/XX/XXXX!! This is absolutely insane. PLEASE HELP ME!!! These need to be removed AS SOON AS POSSOBLE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a re- investigation into this matter and have those derogatory accounts removed off my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report that I never authorized or approved as well as a collection account with XXXX XXXX that I dont know anything about. The follow companies with unauthorized inquiries reporting on my credit are : XXXX XXXX XXXX XXXX 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 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
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX continues to report the status of my account incorrectly after months of my asking them to correct. In fact, they have now started reporting the status more incorrectly. Please see the attached letter on XX/XX/XXXX and XX/XX/XXXX to XXXX. 

Thank You!! 

XXXX XXXX XXXX /Users/XXXX/Documents/XXXX : XXXX Pay Off.doc
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently refinancing my VA home loan. On XX/XX/XXXX, I received my credit score from Equifax ( whom I subscribe monthly to ). They stated my score was XXXX. ( see attachment 1 ) On XX/XX/XXXX, the XXXX XXXX ran a credit score and Equifax reported a score of XXXX. ( see attachment 2 ) As I do not subscribe to the other credit bureaus, I can not state if they reported different scores.The difference in scores raises my closing costs by more than {$1000.00} per the lender. 
In addition, in XX/XX/XXXX I bought a motorcycle, in XX/XX/XXXX I bought a house and XX/XX/XXXX I bought the house I am refinancing. On all of the purchases, the scores reported were different also. At that time, I called Equifax and tried to resolve the problem. They argued with me and told me there nothing they could do as the info was reported based on their computer program. I did not file a claim with you because I as was told you already had a law suit against them. 

When I noticed the same problem this time, I contacted your office again and was told the suit was settled. Please see your ARTICLE 1422 CFPB ORDERS XXXX  AND EQUIFAX TO PAY FOR DECEIVING CONSUMERS IN MARKETING CREDIT SCORES AND CREDIT PRODUCTS. 

Thank you for your help.
Product: Debt collection

I received the first attached collection notice dated XX/XX/XXXX around XX/XX/XXXX. Attached is the envelope it came in. I immediately called and was very adamant with " XXXX XXXX '' that this debt was in no way mine. I should have read your information about sending a written request for Validation. I did n't. I did know that she had 5 days to get it to me. No contact from collection agency until today, XX/XX/XXXX. I 've attached said Validation letter and envelope. This one is signed by a " XXXX XXXX ''. I have n't contacted them. I checked out this debt with XXXX whom I had cancelled at the end of XX/XX/XXXX. They, of course, had nothing to do with XXXX XXXX. I then contacted my current insurance provider, XXXX of New Mexico. XXXX had sent them this bill for {$310.00}. It was disallowed. The reference # for this is XXXX. I contacted XXXX XXXX. They have no record of this service. I contacted XXXX XXXX. XXXX was connected with them, but has not been working there for at least 3-4 years. I asked where he was and they had no idea.Since XXXX claimed this bill was for service through New Mexico XXXX, I contacted them and was informed I had a XXXX balance. I have attached a copy of said record of my billing since I began with XXXX XXXX in XX/XX/XXXX. By the way, on XX/XX/XXXX, I had a XXXX which was done at the XXXX XXXX. There was no XXXX XXXX ever at the New Mexico XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has recently started displaying an account status of late 120 days on my credit report. This is incorrect as the account was previously reported as a repossession & was previously charged off. I have never received any response to validation of debt requests nor any response to this issue. The account is too old to be reported on my credit report according to Texas state law. This is my final attempt to resolve the issue before filing suit according to FCRA & the Texas Fair Debt collection act. I do not acknowledge this debt as I have never received validation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX ACCOUNT : XXXX {$1500.00} XXXXXXXX XXXX XXXX  ACCOUNT : XXXX {$320.00} XXXX XXXX XXXX ACCOUNT XXXX {$770.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and e Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I kindly request your attention to the following matter. It is imperative that I seek the removal of the inquiries on my credit reports which are adversely affecting my credit file. I hold the sincere hope and expectation that the credit bureaus, namely XXXX, XXXX, and TransUnion, will expeditiously eliminate the listed inquiries, as outlined in the subsequent complaints : 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
Product: Mortgage

Immediately after purchasing my XXXX home in XXXX, my mortgage loan was sold to LoanCare in VA. Since then they have put me through the ringer for trying to lower my monthly payment, knowing full well they were overcharging me for a small home in FL. I spoke to no less than XXXX people during the month of XXXX ( beginning on the XXXX and ending on the XXXX ) to do just that attempting to do the right thing in following all of these people 's directions. They were extremely inconsistent in that each person I spoke with had a different take on why I could n't achieve the desired result. I first paid {$1700.00} for the month of XXXX, then {$1500.00} for the month of XXXX, then finally {$1300.00} for XXXX and, which they say, will remain the payment going forward. They insist part of the payment go towards homeowner 's insurance which I already paid in full for the year XXXX XXXX XXXX XXXX ). They will NOT refund me that payment and continue to extract that from me. In addition, I also prefer to pay my own taxes, but they refuse to delete the escrow account ( claiming a ridiculous fraction of an amount between loan and equity ratio ). I can, and have, paid these XXXX items on my OWN and prefer to do so.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. 

The incorrect details are as follows : 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 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  The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial wellbeing. 
I believe it is crucial to rectify these errors promptly. 
I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Debt collection

I have been sued by this third-party collection agent, UNIFUND CCR PARTNERS . I have Legal Hold on 2 different Bank account, in the amount of {$1700.00}, same amount on both Bank accounts. I learned about this only through my Banks. The judgement DOCKET NO. XXXX. XXXX XXXX XXXX and XXXX XXXX. this information is same for the second Bank. this company alleged that I owed this debt over 16 years ago and they obtained a judgement at an adddess XXXX XXXX XXXX XXXXI temporary lived at this address over 16 years ago. Is never correct that a got any kind of notification from them about this alleged debt which allegedly was in 2007. It's not tru that I owe any debt they are claiming. I feel like this is an false and that they are trying to collect debt I do not owe or no anything about. Hope they check their records and refund the amount taken from my account in both Banks that they have Legal hold. I am not sure if this is an honest mistake or deliberate to charge both my Bank account. Please remove these HOLD on my account. I do not owe this debt and my credit report do not have such claim
Product: Debt collection

Fraudulent mail sent in connection with collecting a debt. 

Note this violation is relation to an alleged bar member and therefore in violation of 12 CFR 1006.18 ( b ) ( 1 ) ( iii ).