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

Immediate Removal of Accounts as Required by 15 USC 1681i Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear [ XXXX / Experian ], This letter is a formal demand that you immediately remove the inaccurate and unverifiable accounts referenced above from my credit report. XXXX has already deleted these accounts after their investigation, and your continued reporting of these accounts violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i.

Under 15 USC 1681i ( a ), credit reporting agencies are required to investigate disputed information and remove any items that can not be verified. XXXX has already deleted these accounts, and it is evident that XXXX and Experian have failed to properly investigate this matter or are deliberately ignoring the results of XXXX 's investigation. This failure is a clear violation of the FCRA. 
To resolve this matter without further escalation, I demand that you : XXXX. Immediately delete the inaccurate and unverifiable accounts from my credit report. 
XXXX. Provide written confirmation of the deletion within 15 days of receiving this letter. 
XXXX. Provide a detailed explanation of the steps taken to verify the information. 
If you fail to comply with this demand, I will have no choice but to file a lawsuit against your company for willful noncompliance under 15 USC 1681n and negligent noncompliance under 15 USC 1681o. I will seek statutory damages, attorney 's fees, and any other remedies available under the law. 
Please take notice that this letter serves as a final attempt to resolve this issue before I initiate legal action. I expect prompt and complete removal of these accounts to avoid further harm to my credit standing. Upon reviewing my credit report, I've noticed that these accounts are being re-aged or re-reported in violation of federal law. By altering the delinquency date or updating these accounts as if they are recent, you are engaging in deceptive practices that cause further harm to my credit profile. This illegal re-aging not only violates the FCRA but is also a breach of state statutes of limitations regarding the collection of debts. 
Therefore, I demand that : XXXX. You immediately cease the reporting of these accounts. 
XXXX. You permanently delete these accounts from my credit file. 
XXXX. You provide written confirmation of the deletions and explain what steps were taken to ensure that these violations will not continue. 
If you fail to comply with these demands, I will have no choice but to pursue legal remedies for willful noncompliance under 15 USC 1681n and negligent noncompliance under 15 USC 16810, and file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general. I will also explore filing a lawsuit for damages due to your unlawful reporting practices.
Product: Mortgage

During XXXX, I was granted a forbearance plan by my mortgage lender, Fairway Mortgage Corporation. This was in response to my inability to maintain my flex modification granted by the company in late XXXX. I had previously lost my job and faced a few large expenses. Fairway  allowed a six month forbearance that expired in XX/XX/XXXX. At this time, I was told that I was unable to make any partial payments to reduce my overdue balance, and that I could apply for a new modification, which I did. 

In XX/XX/XXXX, my relationship manager, XXXX XXXX, began requesting various documents from me to understand my hardship, as well as a formal application for the modification, which I submitted. Over the next seven months, through today, XX/XX/XXXX, XXXX occasionally asked me for documents such as paystubs, bank statements, bills from large expenses, and a separation letter from the employer where I lost my job. XXXX was sometimes very delinquent in responding to my emails, while I was prompt in giving her the requested information. At one point in XX/XX/XXXX, she asked me to reapply for the same modification, giving no reason for it, and basically making the previous months ' worth of documentation irrelevant. On XX/XX/XXXX, XXXX emailed me saying that Fairway can approve me for a new flex modification, I accepted, and she said they would get started working on it. On XX/XX/XXXX, I received an email from XXXX saying this was not the case, and that she actually intended to say it was still under review, and that as of XX/XX/XXXX it was denied. The denial reason given was because my original flex modification payments from XXXX had fallen behind by more than 60 days, and that my only options were making a one time payment of the balance, nearly {$20000.00}, or liquidation. 

During this seven months, Fairway did not allow me to make any partial payments, and instead forced me to wait for a decision, one that took seven months. My overdue balance went from around {$11000.00} in XX/XX/XXXX to nearly {$20000.00} in XX/XX/XXXX, making this an impossible option. Again, during that time, Fairway would not allow me to partially reduce the balance. Also during this time, I could not reach the loss mitigation department over the phone, only being promised callbacks within 5-7 business days, which usually never came. There was never a supervisor available either. The only representatives available said they could not handle my loan, and were often just in the collections department. 

I am now left with two unacceptable options, and this is because of the lack of accountability for my relationship manager, XXXX XXXX and Fairway 's policies overall.
Product: Debt collection

I received notice that my credit score had dropped due to a collection account in XX/XX/XXXX. I logged into XXXX  and found a collections account for XXXX XXXX XXXX for {$5800.00}. I originally thought this debt was not mine and submitted a complaint that I did not owe this. XXXX  agreed with me and removed the debt from my report. 

In XX/XX/XXXX it popped up again with an new collection company Enhanced Recovery Co. I disputed this again. Except this time they sided with the collection agency and said I owed it. I did some research and found it was a collection from XXXX for an unpaid bill. This was news to me because my XXXX bill was paid in full monthly and I never missed a payment. 

I found that the account in question was a closed account with XXXX when I updated my last phone. XXXX started a new account and closed the previous one out. 

In XX/XX/XXXX someone had ordered 4 XXXX XXXX, a XXXX XXXX XXXX, and a XXXX watch under the old account number associated with me. I never received a bill or notice this had happened until it went to collections. Now I have been fighting to get it removed my credit report. 

In XX/XX/XXXX I called XXXX to have the debt disputed. They agreed over the phone this is not my debt and my current account is in good standing. I submitted a fraud dispute on their online dispute center and never heard back. 

In XX/XX/XXXX I called XXXX  to question the last result to not remove the debt. They filled a fraud dispute and told me to file a complaint with the FTC. 

I have attached the bill of the account that was fraudulently used to purchase the equipment in my name.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 our checking account was compromised by fraudulent activity and within 15 minutes without our knowledge and any alert from the bank, Citibank, our funds {$31000.00} were cleared out leaving a {$1.00} balance. We contacted our bank Fraud Department and completed police report for the identity theft. 
At no point bank department either stopped or alerted us of fraudulent activity.
Product: Credit reporting

I have disputed items with this credit bureau more than once about a tax lien, two bankruptcies, and unauthorized inquiries. The dispute has been more than 30 days. I filed a dispute online and also mailed in a dispute by US mail over a month ago. Neither one of the disputes were answered, and when I filed an complaint with CFPB the credit bureau try to say they sent me a notice, which they did not. First of all I went to the Federal court clerk and I asked them do they verify accounts to the credit bureaus about court cases, and they stated they do not verify with credit bureaus. First of all nobody has permission written or verbal to disclose about my personal affairs. They said the disputed items came back verified by the court, which the court said they do not verify, and in my case since I owe XXXX balance, XXXX liability that the case was vacated and dismissed. So I want to know where they are getting this third party information from. If it is not from me or the federal court, then who did the verification come from? All of this is defined as " hear say '', and can not be used to verify anything. I am tired of the credit bureau taking their time and not responding back to disputes in a timely and efficient manner. You can provide them all the information in the world and they still will not delete items on your report. The inquiries from someone trying to apply for a car loan with multiple lenders ARE not mine and I provided a police report statement for those. How can something you did not do stay on your credit? It is outrageous how people are treated because the credit bureau wants to keep you down so you can pay people to help you fix items that should not be reported in the first place. I already have medical conditions that I have to deal with and I am barely surviving and to constantly fight with the credit bureau is very exhausting and puts more stress on me. I am currently getting advice from a lawyer on this matter and will take it to court if something does not happen with this situation that is constantly being drawn out with no rightful verification and proof. I can not even dispute items because I already have disputes that were never solved over a month ago. I wish they please stop taking advantage of people and if not correctly verified delete items that they know are supposed to be deleted. Stop going through third party sources to verify information that is not accurate or given permission to supply because that is breaking the law. I have proof they are not authorized by me to use any third party sources to verify any thing and I will use this in court if necessary.
Product: Debt collection

Best Buy / XXXX XXXX have repeatedly fraudulently and with gross misrepresentation challenged a valid credit card dispute for services not rendered and/or provided in a wholly worthless manner. Accordingly this debt is not mine and they should not be allowed to misuse the chargeback dispute resolution process to attempt to collect funds from me I do not owe!
Product: Debt collection

I am filing a complaint regarding the inaccurate reporting and handling of a charged-off account by Toyota and its subsequent sale to a third-party debt collector, XXXX XXXXXXXX XXXX  The account number in question is XXXX. 
XXXX. Name Discrepancy Originating from Toyotas Error : When I purchased the vehicle through Toyota, the paperwork was processed incorrectly, listing my name as XXXX XXXX instead of my legal name, XXXX XXXX XXXX. Despite multiple requests to Toyota to correct the error, they failed to update my name. As a result, the debt is inaccurately reported under the incorrect name on my credit report, despite the fact that I never identified myself as XXXX XXXX. 
XXXX. XXXX XXXX : Additionally, XXXX XXXX XXXX is a co-signer on this loan and is facing the same issue of inaccurate reporting. They are also being affected by the name discrepancy and reporting errors in the same way I am, which has caused confusion and harm to both our credit reports. 
XXXX. Original Creditor Reporting Issues : Toyota reported the account as a charge-off and sold the debt to XXXX XXXX XXXXXXXX XXXX However, Toyota has not updated their reporting to reflect the account as having a {$0.00} balance or marked it as sold, as required when a debt is sold. This inaccuracy is affecting both my credit report and that of my co-signer. 
XXXX. Debt Collector Concerns : XXXX XXXX XXXX is now reporting this account under the incorrect name and has not provided proper validation of the debt. I have not received proof of their legal right to collect the debt, nor verification of the balance. Additionally, if the debt was charged off and forgiven, I request confirmation of whether a XXXX was issued for the canceled amount.
Product: Credit card

I am currently disputing the reduction of my credit limit by Suncoast Credit Union. On XX/XX/XXXX, XXXX, a third-party company used by Suncoast for software auditing, claims to have sent me a letter regarding a statement. I never received or saw this letter, as I only communicate directly with companies I regularly do business with, such as Suncoast.

Without any prior notice from Suncoast, my credit limit was reduced from {$5000.00} to {$2400.00}, which resulted in my current balance of {$100.00} appearing as an overbalance. I have spoken with nine different representatives from Suncoast, and not a single person could explain or justify the {$2400.00} figure. This arbitrary reduction has unfairly impacted my account, and I believe these practices are neither transparent nor fair to consumers. 

I am requesting a thorough review of this matter and a proper explanation. The failure to provide clear notice or rationale for these changes is harmful and has left me with an unjustified outstanding balance, solely due to the reduction in my credit limit.
Product: Credit card or prepaid card

XX/XX/2021 through XXXX XXXX. Complaint with PayPal concerning unauthorized charges ( fraud ). 
See attachments, for explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Banks and XXXX & XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, SDXXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report 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 identit theft!! Please delete these items as soon as possible!

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 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 consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have held an account with XXXX for 8 years and never missed a payment. The only reason I keep the account is because it is one of my oldest accounts. Every month they charge a monthly fee for having the account. They dont offer automatic payment plans. Between XX/XX/XXXX and XX/XX/XXXX I was traveling extensively for work. I have every alert/notification Turned on for the sole reason of not missing a payment. I did not receive be alert or notification, no email text or even phone call from XXXX  XXXX stating that I missed a payment. I only found out after my credit monitoring company informed me that XXXX has reported I missed TWO payments. I tried contacting XXXX immediately but they dont offer a phone number to contact them, only if you want to apply for a new card or general account information, password change, address changed etc. 

It is improper to offer services such as notifications for late/missed payments then not use those services to inform someone they missed a payment. Not only that, Then XXXX reports you late by two payments. I do not miss any payments, not on any of my accounts, and this negative reporting is abusive when there is no option to remediate the issues.
Product: Mortgage

I applied for a mortgage refinance on XX/XX/XXXX with Quicken/Rocket Mortgage. Rate was locked at 2.75 % with XXXX points which was going to cost {$7300.00}. Rate lock was for 60 days ( expired on XX/XX/XXXX ) given I had a HELOC which was going to require a subordination agreement between my HELOC lender ( XXXX XXXX ) and Rocket. I submitted all requested documentation in more than a timely manner ( usually same or next day ). The loan was conditionally approved on XX/XX/XXXX. Appraisal was received back on XX/XX/XXXX. My HELOC lender said Rocket was waiting on title work as of XX/XX/XXXX and hadn't yet done anything related to the subordination. Per emails with my HELOC lender, they did not receive a subordination package from Rocket until XX/XX/XXXX, which was four days after my initial rate lock expiration date. I had to become involved on several occasions to ensure the rate lock was extended. Rate lock got extended to XX/XX/XXXX and again to XX/XX/XXXX. I was constantly checking in with Rocket as the process was moving horrendously slow, through no fault of mine or XXXX XXXX 's. I checked in with Rocket on XX/XX/XXXX, prior to the rate lock expiration, and the originator told me " the underwriters will handle the situation so it is taken care of ''. Well, Rocket did not extend the rate lock and I inquired about it on XX/XX/XXXX. The originator said " we will be able to take care of this for you when the underwriters have completed the necessary steps on their end. No need to worry it will be taken care of ''. The originator also told me on XX/XX/XXXX that " yes ... we extended the rate for you ''. Come to find out, this did not happen, and XXXX XXXX  to re-lock the rate in a new higher rate environment. The new re-disclosure dated XX/XX/XXXX has me locked at 2.75 % - with XXXX points. Which costs an astonishing {$27000.00} - almost {$20000.00} over my initial disclosure. I have additional email records with dates, and I have message transcripts exchanged with the Rocket originator. Rocket moved horrendously slow on this refinance. I expect them to honor the original rate and points as they are the sole cause for this taking > 90 days to close. I have not closed as of today as Rocket 's Executive Solution Consultant said the best they could do was offer 2.75 % with XXXX points, which, I believe, amounted to a difference of $ XXXX {$9000.00} over what I was originally quoted at.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone unknown is using my name and my information and opened accounts on my name that are unauthorized and fraudulent. I filed the report with the FTC XXXX and contacted the creditors and bureaus about this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple occassions requesting that fraudlent accounts and inquiries be removed from my credit report. 

Since the beginning of this year I have contacted Equifax 9 times asking to have fraudulent inquiries after the account was removed from my credit file. I was told to file a report with the FTC on three different ocassions because each report I submitted Equifax claimed that first the dates were not an exact match, secondly that I didnt spell the creditor name correctly and lastly that each complaint of the fraudlent inquiries have to be seperate line items even with multiple inquiries from the same creditor on different dates. 

After I sent the last FTC report I was told that inquiries are a fcatual record!! 


The following inquiries I have provided the reports : XXXX XX/XX/2020. Equifax XXXX XX/XX/2020. Equifax XXXX XX/XX/2020. Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) - I contacted XXXX XXXX  XXXX on XX/XX/XXXX to discuss a possible settlement offer on the outstanding balance of {$2200.00}. After several conversations during the day we arrived at a settlement of {$1200.00} payable at the time of the conversation. The account rep took my credit card payment over the phone as well as mailed a letter stating the account was paid in full. XXXX proceeded to report the payment to the credit bureaus but failed to report the account was paid in full and no further payment is due as a result of a settlement. 

Once I reviewed my credit report and noticed the information was incorrect I disputed the balance due with the credit bureaus on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX ) as XXXX  continued to provide incorrect information. As it stands today Equifax shows an amount due of {$1000.00} and XXXX  shows an amount due of {$2200.00}, although both credit reporting agencies were provided with the attached documentation advising the matter in collections was resolved via a settlement on XX/XX/XXXX. 

I am requesting your assistance with getting this matter resolved to reflect the correct information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that don't even belong to me I am including a letter to explain about these items
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to being notice to of the unlawfully reported unauthorized accounts on my consumer report this has violated my federally protected consumer rights to privacy and confidentiality under the FCRA law USC 1681. I have not given my written permission to put anything on my credit profile. I have been violated by you as state 15 USC 1681b You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated Identity THEFT! to title 18 USC 1028A. You have knowingly possessed, transferred, and or used without lawful consent and authority means of identification of me. Which is a Felony Punishment of 2 YEARS imprisonment! including civil liability, You're in violation of 15 USC 1692g and can be fined {$1000.00} per violation. Delete these account per my written instructions. 

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.