23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has incorrectly reported our loan as late in XX/XX/ 2019. As soon as I noticed it, I contacted them, as well as Experian to get it corrected. I have since contacted both companies 5 times over the past 8 months, to get this item changed to not showing as late, but it is still incorrect. I am not getting anywhere with either of them. I have sent documentation to both, and it is still showing as late. This is the only derogatory item on our credit report and it is impacting our report and score.
Product: Credit reporting or other personal consumer reports

Subject : Violation of Fair Credit Reporting Act 15 U.S.C. 1681 To Whom It May Concern, In accordance with the Fair Credit Reporting Act ( FCRA ), I am filing this complaint to address violations of my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

The following accounts have violated these rights by furnishing inaccurate or unauthorized information to consumer reporting agencies : XXXX XXXX XXXX  XXXX XXXX issued by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX journey credit card Basis of Complaint : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is unlawful for a person to furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. These accounts were fraudulently opened in my name without my authorization, as substantiated by the attached FTC Identity Theft Report.

Despite my previous attempts to resolve this matter, these accounts continue to harm my credit profile, causing undue stress and hardship.

Requested Actions : 1. Immediate investigation into these violations.

2. Removal of these accounts from my credit report.

3. Confirmation that all inaccurate or unauthorized data has been corrected and no further violations will occur. 



Thank you for your attention to this matter. I look forward to your prompt resolution. 

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

I've been reaching out to XXXX, XXXX, and TransUnion throughout the year. I been trying to get names, addresses, accounts, and inquiries removed that are inaccurate.
Product: Credit reporting or other personal consumer reports

I have never known of or heard of this company. I never gave consent or authorized this company to have my information. This is illegal. This is fraud.
Product: Mortgage

I am writing to formally express my frustration regarding my Home Equity Line of Credit ( HELOC ) and the ongoing issues with the interest rate application. 

In XXXX, when BBVA was the lender, I modified my HELOC to a fixed interest rate of XXXX XXXX. This modification was clearly documented and confirmed. However, since PNC Bank acquired BBVA, I have encountered numerous challenges in getting this agreed-upon rate applied to my account. 

Despite consistently making my payments based on the XXXX XXXX rate, PNC has unilaterally changed the terms and is now refusing to honor the original agreement as well as the modification. The original terms of my loan specified a rate of prime minus half a point, which I later adjusted to the fixed rate of XXXX XXXX. It is both disappointing and unacceptable that PNC has disregarded this agreement. 

I have spoken multiple times with XXXX XXXX from XXXX XXXX XXXX regarding this matter, but unfortunately, she has ceased responding to my inquiries. This lack of communication has only added to my frustration. 

Over the past XXXX years, I have made numerous attempts to resolve this issue through various customer service channels, but I have not received any satisfactory response. I urge you to investigate this matter and honor the terms that were established during my time with BBVA. 

Please provide a written response outlining how you plan to address this issue. I look forward to your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent 2 disputes to equifax about an account that is not mine.one in late XXXX and in XXXX. XXXX XXXX  account # XXXX. This not my account nor did i give permission or ask for this account to be placed on my report. I have no idea who account this is.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX  Account number:XXXX Account name : XXXXXXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX  Account number:XXXX Account name : XXXX XXXX  Account number:XXXX has violated my rights. Or list of inquiries 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: Debt collection

Hi I am contacting you regarding the company or collection agency JHPDE Finance LLC who is reporting a debt the original creditor is listed as XXXX on both the police and FTC affidavit that was settled and deleted because I was a victim of identity theft. I have attached the police report with case number and the Federal Trade Commission Report with File number to have them remove this. They did not call me to discuss this debt owed at all and it is damaging my credit worthiness. 

I want them to delete immediately again since this was due to identity theft.
Product: Credit reporting or other personal consumer reports

I tried to sign in to my account. Experan failed to send me the code via text o complete my account sign. I called the phone number, but was unable to speak to an agent to fix the situation. I put in my social and confirm my account only to be blocked from entering the website and partaking in the services being offered.
Product: Mortgage

I sent my payoff, which was received by RoundPoint Mortgage on XXXX. I called on XXXX to see where my {$270.00} overpayment refund was. I was told by " XXXX '' that I would receive it " in a few days ''. On XXXX I called backe because I still did not receive it. XXXX told me it was processed on XXXX and mailed on XXXX. I called back on XXXX because I still did not have the refund. " XXXX '' told me he didn't know anything about how to help me and did not know where my refund was or when it was processed. He said he would transfer me to " accounting '' so they could help me and he transferred me to XXXX. XXXX said he was in customer service and that there is no accounting office I could be transferred me to. He then went on to tell me that the refund was mailed on XXXX. On XXXX I called back and asked to speak to a supervisor, I spoke to who said that it was processed on the XXXX of XXXX and mailed on the XXXX. He went on to tell me that if I don't receive it by the XXXX of XXXX, a full month and a half after I made the overpayment, I could call and per their " policy '' they would cancel the original and send the new refund within ANOTHER 30 days. I called again on XX/XX/XXXX and XXXX told me the same thing. I also asked that they simply send me something to verify that they actually sent my refund and when it was sent and they told me that they would have to go to " legal '' to provide such a document and that would take about 30 days to provide. I also sent 2 emails and thus far, even though one of them was acknowledged, NO REPLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adjuster is reporting a debt on my credit file that i do not owe. I recently checked my credit and noticed this debt on my credit file, I called immediately and paid this debt off. I never received any phone calls, collection notice, or letters about this debt. This account is still reporting a balance which is erroneous, i need this to be fixed.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS ARE REPORTING INACCURATELY. PLEASE REMOVE THEM.
Product: Mortgage

I requested and was approved for forbearance with First Home Mortgage starting XX/XX/XXXX until XX/XX/XXXX but they still processed a payment from of my checking account on XX/XX/XXXX. This payment caused my checking account to go negative and incur overdraft fees ; as a result of a depleted account automatic payments for my HOA fees, credit cards, and utilities payments were returned. I can supply bank statements upon your review. 

I've had multiple discussion with both their Customer Service and Loss Mitigation teams and was told that a refund will take 7-10 business days ; one month later and I've yet to receive the refund. 

Their incompetency, negligence, and/or outright refusal to resolve the issue has caused further financial hardship for me and I'm considering legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX , XXXX. a collection agency - reported to all three credit bureau that account they had as a debt not paid was actually paid in full and requested removal of that account on XX/XX/XXXX. All three bureau still were showing the account as active and not paid by the end of XXXX so I filed a dispute. Second request for removal was sent from the collection agency by the end of XXXX as an answer to inquiries from all three bureau. After that request XXXX XXXX an XXXX  removed the above account from their credit reports in the first week of XXXX. 
EXPERIAN kept dispute going on and kept reporting the account as an active and not paid. I called XXXX XXXX again and the agency sent another request for removal on XX/XX/XXXX. After that the XXXX  XXXX account disappeared from the Experian credit around XX/XX/XXXXand my credit  score increased 60 points but on XX/XX/XXXX Experian placed the same account back on credit report as a NEW LATE PAYMENT that was paid in full and my credit score plummeted 60 points. I called XXXX XXXX again asking why the account was placed back on the credit but the representative said she did not know why and told me again that they already sent 3 request to remove the said account from the credit reports - after every time I called. 
Experian representative - XXXX denied receiving ANY requests, denied the fact that XXXX  XXXX was ever removed before it was placed back but said that dispute was resolved and shows account as paid in full. He denied removal of the account as well as checking what happened with the request sent from XXXX XXXX XXXX. I was denied the conversation with his supervisor as well. 
By the way I checked the Experian report since I am refinancing my house and I was waiting for that account to be removed and it was removed not mention that it took me a long time to finally get the amount right since they wanted almost twice that much what I was really owed. I still paid {$200.00} more then I should but wanted that to go away.
Product: Mortgage

I filed a CPFB complaint previously ( XXXX ) regarding my mortgage with Ditech. Despite their intention in their response to this complaint to correct their errors of accounting for our timely payments, Ditech has continued to misapply our funds paid and continues to show a deficit in our payments of {$350.00}. See my attached letter sent to Ditech XXXX XXXX, 2016 both through their online portal and by mail. This amount is from their incorrect accounting of our supplemental payment of {$450.00} + {$90.00} late fee we made on XXXX XXXX, 2016. They credited our account {$90.00} but took the {$450.00} out of our account in an attempt to correct their errors and never reapplied it. {$450.00} - $ XXXX= {$350.00}, showing as a deficit in our account despite us having paid the full payment. Today XXXX XXXX, 2016 we received a certified letter stating that we are in default for {$350.00}. My intention is to pay this amount to stop any further inappropriate action on their part toward default or foreclosure while continuing to try to find one rational intelligent person at Ditech to remedy their errors and reapply correctly the {$350.00} Ditech has stolen from us. 
XXXX XXXX XXXX XXXX
Product: Mortgage

My mother and I were co-borrowers on a home loan that was opened XXXX XXXX through Litton Loan. The loan was later taken over by Ocwen Loan Servicing in XXXX XXXX. During the time that the loan was with Litton we had several issue of payments not being posted correctly or being put in a suspense account. The payments included principal, interest, and property taxes. My mother was contacted by a local business man in XXXX who essentially told her that he owned her house now and that she should start paying him or he would put her out. We found out that Litton had not been paying her property taxes and that he had purchased the home in a tax sale. He wrote a letter to Litton Loan explaining such and drew up a contract with my mother. Litton then sold the loan to Ocwen. My mother file CH XXXX bankruptcy and pursuit of the debt seem to stop. I found out that it was reporting on my credit file and disputed it based on the history and mishandling of the account all along. They started reporting the account as " association terminated '' in XXXX of XXXX and deleted all account history. As of XXXX XXXX I get an update that state that I am XXXX delinquent on the account owing over {$15000.00}. I just gained access to the website and have found that there is no up to date information, statements, nothing. How can I be 180 days late on an account that has no history. The credit reporting alone is a violation. The loan should have never been sold to anyone when the original servicer was mishandling payments and not paying property taxes resulting in a loss of ownership and equity. My mother is now making payments to a person she never borrowed money from.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Account Number XXXX, Open Date XXXX, XXXX, Balance : {$20000.00} ), XXXX XXXXXXXX XXXX ( Account Number : XXXX, Open Date XX/XX/XXXX, Balance : {$2500.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$520.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$440.00} ), XXXX ( Account Number : XXXX, Date Opened XXXX, XXXX, High Balance {$110.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX  - XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX  - XXXX {$950.00} XXXX  - XXXX XXXX - XXXX {$1100.00} XXXX XXXX - XXXX {$380.00} XXXX - XXXX XXXX {$350.00} XXXX XXXX XXXX - XXXX {$570.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX Account that has been on my report that I have repeatedly disputed for numerous reasons, including it showing as charged off, yet reports as a past due balance different from the balance, and reports as past due monthly. 

In addition, after repeatedly disputing with all 3 reporting agencies, the account was deleted off my reports, only to be put back on my report with a new account number, for an account I have never had and then readded all the previous information connected to the previously reported account number.
Product: Debt collection

This was a dispute about charges on my XXXX cell phone account years ago. I tried to resolve the problem with the company but they were not open to discussion and sent me to collections. I a hard working person and pay my bills but when I am getting overcharged and the company will not work with me to resolve the issue and just sends me to collections. I do not feel that is fair. I would request that this Derogatory Mark be removed from my credit report as I tried to work with XXXX but they just sent me to collections and I do not have a contractual relationship with this company ERC and do not owe them anything. Please remove this from my credit report. 

The Second Mark on My Credit report is a Lein placed on my account in error. As you can see it was placed on my account and removed the sale day. Please remove theses Derogatory remarks on my Credit Reports.
Product: Vehicle loan or lease

Misleading contract on XX/XX/2023 with myself the true creditor, and the debtor MILLER INVESTMENT AUTO GROUP , INC. dba AUTO NOW although I act on full faith and credit, I was coerced into a vehicle that I did not inquire about. Not only was the vehicle overpriced the interest rate was way above the average. Originally, I was told that {$200.00} down was acceptable then after they got a signature from me and took my social security number as collateral and put themselves in the fiduciary position, they did what was right for themselves. I had paid {$300.00} in store and a {$1000.00} trade-in. After the transaction I found out that the vehicle was worth nearly {$16000.00} less than the amount I agreed to pay. The total cash price turned out to be {$15000.00} with a full payment of {>= $1,000,000}. On XX/XX/2023 I sent by certified mail a full payoff receipt, affidavit of truth, conditional acceptance. The contract was also locked into a UCC statement with said Trust and payoff receipt. The company has violated several laws and regulations and refuses to respond via written correspondence as requested.