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

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

\nI demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : XXXX XXXX Opened : XX/XX/XXXX Amount : {$750.00} XXXX XXXX Opened : XX/XX/XXXX Amount : {$1000.00} XXXX XXXX  XXXX  Opened : XX/XX/XXXX Amount : {$210.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$640.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$190.00} Inquires : XXXX XXXX XXXX XXXXXXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have mailed Equifax multiple disputes the past two months with my name, and address regarding the inaccuracy of my credit report. And yet Equifax have failed multiple times to adjust, and correct my credit report. I have not received any forms of documents from Equifax processing my disputes, and XXXX changes have been made to credit report profile. Instead, Equifax have been sending me a bunch of nonsense stalling letter to discourage my dispute process, and therefore refuses to take necessary actions to resolve my credit profile.
Product: Credit reporting or other personal consumer reports

I myself XXXX XXXX XXXX will like to request a RE-INVESTIGATION on Account that is negatively impacting my profile. There is still inaccurate claims on my report. 
Pursuit 15 usc 1681 accuracy and fairness of a credit report according to the law before any information is inserted it should be accurate. I am aware of the law. XXXX has adhered and deleted the negative account however, XXXX and Equifax is still reporting this collection. I have contacted for a very long time, mail and phone calls. And no positive resultsa. I am placed on hold for hours and treated very unfair. 

PLEASE HELP I AM FUSTRATED AND DOING MY BEST
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX I contacted Moneylion to obtain the total amount that was due on the account.On XX/XX/XXXX I paid that amount, {$540.00}, in full with a debit card. I was told it would take 30-45 days for the information to be updated and reflected properly on my credit bureaus but that I should receive a paid in full letter within 3 business days. On XX/XX/XXXX, I called again as I had not received the paid in full letter but the transaction had cleared by bank. I received the letter in my email same day. Between XX/XX/XXXX and XX/XX/XXXX, I called Moneylion 6 different times in an attempt to get this handled. As of XX/XX/XXXX they are still reporting to all three bureaus that this account is open and has a balance. This information is not accurate. This account has been closed for almost a year. As of XX/XX/XXXX, I have called Moneylion now a total of 7 times, I have disputed the information with all three bureaus NUMEROUS times and I keep getting the same answer. Answer of " it meets the FCRA guidelines. '' Each time, Moneylion tells me to complete a dispute and attach the documentation showing the payment. I complete the dispute, attach the documentation, then nothing happens. I've done this several times now.
Product: Mortgage

Initial line of credit was in the amount of {$34000.00} in XXXX and interest only. In XXXX I requested a modification for a fully amortized loan and the payment was {$220.00}. An automatic bank draft was set up and payments have been deducted since. The loan balance is still at $ 32,000.00+ after 14 years ( unbelievable ). Because of the {$32000.00} balance, the payment has slightly decreased over the years to {$100.00}. Fifth Third Bank has been applying the remaining {$120.00} to interest as opposed to the principal. This was not authorized by me and I assumed that the remaining amount of the payment would be applied towards to the principal as this has not been an interest only loan since XXXX. This is usury, unethical and illegal. I do not have $ 120.00+ each month to pay interest on a loan that interest is already been paid. Are they charging interest in advance? I am a senior citizen and this is unreasonable and unfair. I have now paid over the amount of the initial loan, but yet, I still owe {$32000.00} after 14 years and was told that the loan should be paid off in XXXX. You do the math, I don't think that I'll be around in XXXX. They have taken advantage and something needs to be done. If you can't do anything, I am going to continue until someone can.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to XXXX and Experian to remove a bankruptcy on my report that is inaccurate and does NOT belong to me. 

I even sent a letter supporting my case DIRECTLY from the courts stated that no record or case number has been found under my name. 

This request to have XXXX  and Experian to remove the inaccurate and unverifiable bankruptcy from my report. 

Thank you, XXXX XXXX
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 reinvestigation 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 issues 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 experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both yesterday and today, XX/XX/2019, I have tried to contact Experian more than 20 times, tried various numbers. Every single number I call is operator and it is absolutely IMPOSSIBLE to speak with a Human. I am very upset and frustrated wasting my time while at work. This place is a complete scam. I am desperately trying to unfreeze my account. I had to freeze it because of Experian exposed ME to fraud issues over a year ago. I have my PIN and for some reason it is not working online and I can not do anything to unfreeze my account. There are absolutely no options.
Product: Credit card

I received a XXXX XXXX that my credit had been run to open an account. I called the company right away telling them I had not applied to anything with them. The agent checked and told me not to worry about it and ignore it. I told him no because someone had my information. After the call was disconnected.
Product: Mortgage

Ocwen, has been giving me nothing but the run around concerning my escrow account. I have changed my home owners insurance company to a much cheaper company and instead of me receiving a decrease in payment as expected, I received an increase. my loan payment went from XXXX to XXXX. I have called and spoken to numerous agents who have told me that I was being incorrectly charged twice for my escrow payments by accident and that they would be doing another analysis so that they can fix it. after the second one was completed it was still not fixed. I was told the I had an escrow shortage of over 3,000.00 which is totally incorrect. I have never been late on my mortgage payment. when I cancelled my old policy I was reimbursed by them but, I sent some of the money to them and based on my calculation I thought that the amount I sent them was correct. but, I was a little short so last year they went up on my mortgage by XXXX. I was told that starting in XXXX that I would see a decrease in my mortgage but instead of going down it went up for no apparent reason. I am requesting an investigation to ensure that they are not trying to steal from me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 {$1900.00} I have submitted my FTC Reports to the credit bureaus buti got no compliance no answers.
Product: Checking or savings account

I am a victim of fraud. I disputed the transactions with chime who I was banking with, I also filed a police report. I did what I could on my end to try to resolve the issue and to get my money back. They said they was going to investigate the issue but the next day they had sent me an email stating that they have decided they don't want to give the money back and that I can not bank with them anymore. It was a lot of money to me because I am a XXXX XXXX  and I work hard for the money I do get. I was not able to pay any bills before the money was taken and am struggling due to this. this wasn't the first time that I had issues with someone else who didnt have authorization to take or spend the money in my account. the ppl trying to spend the money was in Florida idk anyone there. All I want is for them to make this right. I don't know what to do or who else to reach out to. Thank you for ur time and consideration.
Product: Debt collection

I originally received a credit card from an XXXX store, which issued me a XXXX credit card. I used it from XXXX-XXXX. I stopped making payments in the Summer of XXXX. I was out of the military in XXXX, and using my GI Bill during this time as my only income. 

XXXX which is based in XXXX, has a head office in Delaware. The statue of limitations for this type of situation, is typically two years. The debt has been sold to a company called Midland Funding, which has especially in the years immediately after payments stopped, contacted me several times through phone calls, voicemails, and letters. 

I do not believe they have the authority to collect this debt, and never did as it was outside of the statue of limitations from the time I first received a letter. Yet, they still send me letters offering settlements, or otherwise listing negative consequences if I do not pay the debt. I also have veteran XXXX benefits coming into my checking account, so they could not garnish from it. There is a link on the CFPB website which also mentions this ( https : //www.consumerfinance.gov/ask-cfpb/can-a-debt-collector-garnish-my-federal-benefits-en-1441/ ). I will include other attachments as well to illustrate my issue. Based on the research I have done, I do not believe this debt is within the law to enforce, and Midland funding is attempting to illegally intimidate me into paying, many years after it was enforceable.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts :XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescindXXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1600.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To ensure complaint of most up-to-date, accurate, and correct personal information being reported in the credit file at all time. 
Hence, my credit file is not confused with people of similar name, Date of Birth, address or SSN.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. This XXXX XXXX account died t belong to me never had XXXX XXXX before
Product: Credit card or prepaid card

Transaction Details : Transaction Date : XXXX Transaction amount : {$610.00} Merchant : XXXX XXXX aka : XXXX XXXX  XXXX Dispute Details : Bank XXXX XXXX XXXX  XXXX XXXX Fax : XXXX XXXX Dispute amount : {$610.00} Dispute ID : XXXX XXXX XXXX aka XXXX is the company my retirement  company  contracts to purchase amusement park tickets ( XXXX ). XXXX  XXXX  aka XXXXXXXX is managed by XXXX XXXX XXXX ( XXXX  ), is located in Florida. 

On XX/XX/2021, I went on XXXX to purchase ( 5 ) XXXX tickets. As directed by their website, beforee purchasing the tickets, I clicked on their link to review the XXXX calendar to ensure XXXX XXXX XXXX XXXX reservations were available for Monday, XX/XX/2021. According to the XXXX  link, their calendar indicated " Tier " 2 '' was available so I purchased ( 2 ) adult and ( 3 ) children 's tickets for a total of {$610.00}. After purchasing the ( 5 ) tickets with my Citi Bank credit card, I printed each ticket as directed. Next, I attempted to make our XXXX XXXX reservation for XX/XX/2021, but was informed by the XXXX web site that the park was not available, so I immediately called XXXX XXXX  ( XXXX  ) customer service at XXXX XXXX and was directed to call XXXX customer service at ( XXXX ) XXXX opt # 1. Their customer service rep told me the " third '' party ticket company ( XXXX  ) was not providing " real '' time park availability on their website. " The Tier 2 tickets that XXXX  website were available were not " unable '' and only Tier 5 tickets were eligible for XX/XX/2021 ''. Another words, the tickets that XXXX  sold me were " unuseable ''. I called XXXX  and informed them about the information that XXXX customer service had told me that XXXX  sold me " unusable '' tickets. Two days later I received an email from XXXX  indicating they were unable to upgrade my tickets to Tier 5 and were not able to refund my {$610.00} since my purchase was made as a " final sale product ''. 

In summary, I have ( 5 ) XXXX tickets that cost me {$610.00} that are " worthless '' because XXXX  sold me " unusable '' tickets that XXXX will not honor or allow me to upgrade to '' Tier 5 ''. 

On XXXX, I filed a dispute with CitiBank informing that I received a product that was " unusable ''. On XX/XX/2021, CitiBank informed me that the merchant ( XXXX  ) would not " honor my request for {$610.00} credit '' and they ( CitiBank ) do not have the authority to " reverse the charges ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo dealer services first said I had insufficient funds. Sent them bank statement where it cleared with my bank. Dealt with president Dept. They we're rude and uncaring. I got 90 days late on my credit due to this. It should be 0 days late. They keep losing my payments. I lost my house loan ( was in process ). Already closed on my house I was selling.
Product: Mortgage

This complaint is in reference to a previously filed complaint # XXXX. 
I received a response from the CFPB stating that my complaint had been forwarded to the company ( Nationstar Mortgage LLC DBA Champion Mortgage ) on XX/XX/2017. This company is a mortgage servicing company. I have not received a resolution to my complaint. I have attached 2 letters to this complaint, to add more information and a sense of urgency for resolution.
Product: Checking or savings account

On XX/XX/2025 I made a {$20.00} I was called back to the ATM the man said I left my account open, I went back to see I thought I might have left my ATM card in the machine. I then opened my wallet and I started to pull it out when suddenly the man took it from me rubbed it on the tap so now he opened my account, he the gave a card back to me, I then put the card back in my wallet the I put my pin in to close my account. I then left I came back 20 minutes later because when I was at the car wash I was getting text from my bank telling me I exceeded my daily limit and the pin was put in wrong so they locked my account. I was in the bank talking to the manager, he was aware of what's been going on, I then realized I had someone else 's card so I wasn't the only victim. They put another transaction go through that clean me out and that was from the Wells Fargo in XXXX and they didn't even ask for my 3 digit code for identity purposes.
Product: Debt collection

On XX/XX/2022 a soft inquire was done on my credit. I want to know why they looking on my credit and collection for who? 


Debt validation is requested. Debt is consider disputed. 

Provided the signature for this debt, amount, when it was open, when it was close and the age on the account and when it was charged off. 


The following address Current address : XXXX XXXX XXXX, XXXX, VI XXXX Past address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Credit acceptance reported delinquent payment XXXX XXXX on my credit report but sent letter saying I had until XX/XX/XXXX to pay balance. I payed off balance ; I owed {$360.00} and had to pay {$690.00} XXXX XXXX. I have proof as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX agreed to a modification in XX/XX/XXXX but with their agreement they promised to clean all lates as to provide us with a true fresh start. This was the third modification attempted and it finally worked out. We retained a lawyer to help. The initial modification was rejected by their error on XX/XX/XXXX and that would have had us with a four year clean mortgage payment history.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail. I have attached documentaion with my dispte my identification and address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX