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

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by [ Credit Bureau Name ] . Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected.

After reviewing my credit report dated XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Account Name : XXXX Account number : XXXX XXXX. High Balance Discrepancy XXXX XXXX XXXX  reports a high balance of {$6100.00}. 
XXXX XXXX  reports a high balance of {$6100.00}. 
o Equifax reports a high balance of {$5900.00}. 
2. Last Verified Date : o XXXX : XX/XX/XXXX. 
o XXXX : Not reported. 
o Equifax : Not reported. 
3. Date of Last Activity : o XXXX : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
o Equifax : XX/XX/XXXX. 
4. Date Reported : o XXXX : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
o Equifax : XX/XX/XXXX. 
5. Account Description : XXXX XXXX : Profit and loss write-off. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
o Equifax : Amount in high credit original charge-off amount. 
6. Payment Status Discrepancies : o XXXX : Charged off as bad debt. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
o Equifax : Charged off account. 
7. Days Late - 7 Year History : o XXXX : No late payments reported. 
o XXXX : 60 days late once, 90 days late once. 
o Equifax : 60 days late once, 90 days late eleven times. 


Given these discrepancies, I request an immediate investigation into these inaccuracies and prompt correction of my credit report. Enclosed are copies of my credit reports from XXXX, XXXX, and Equifax highlighting the inaccuracies. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ] I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Years ago, 23 years ago to be exact, I had a XXXX card with a balance of {$1500.00} ( give or take ) that I always paid on. Got a statement in the mail that I had a {$3000.00} courtesy check that was made on the account. I called XXXX numerous times and they told me that they would take care of it. Recently, I received a letter from First National Collection Bureau , Inc stating that I have a {$11000.00} balance/judgment with them. I called them. They told me I was taken to court in New York back in XX/XX/2005 ( I was living in Florida at the time and never received notification of any court proceedings against me ). I contacted identity theft websites that led me to this one. They told me to get paperwork from First National ( validation information regarding the judgment ) which they never sent me.
Product: Debt collection

I received a call from Aldous & Associates back in XXXX, XXXX, they left a cryptic message about a debt. I decided to call back. Only THEN did I receive a reference number for their debt collection. I did not receive any written communication about this debt prior to this phone call. ( Where is their proof? ) I later filed a dispute and mailed them a certified copy on XX/XX/2024. 

It is now XX/XX/XXXX, and I had to call them for an update. The debt collector didn't respond to my dispute letter within five days. And I have not received verification of the debt ( i.e., a copy of any contract or agreement that shows I agreed to pay the debt, or a statement that the debt is within the statute of limitations and can be legally enforced ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported to the credit bureaus regarding an alleged late payment on my account for XX/XX/XXXX which I firmly contest as being falsely reported. Discover Bank failed to provide me with the statement that was mailed to me 21 days before the due date. 
Under the Fair Credit Reporting Act ( FCRA ), creditors and debt collectors are required to report accurate information to the credit bureaus, including payment history. As a consumer, I have the right to receive accurate and timely statements related to my payments. 
The law that refers to the 21-day rule for billing statements is part of the Credit Card Accountability Responsibility and Disclosure Act of XXXX ( CARD Act ). Under this act, credit card issuers are required to send a billing statement at least 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate and damaging information being reported on my credit report by XXXX. A retroactive forbearance was applied to my student loan account on XX/XX/2024, yet late payments and delinquency notices were still reported to the credit bureaus after that date. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it is inaccurate to report delinquencies during a forbearance period. I have documents from my loan servicer that show the forbearance was in effect while they were still issuing delinquency notices and damaging my credit score. These late payments should not have been reported. 

Additionally, I believe this reporting also violates the Family Educational Rights and Privacy Act ( FERPA ), as this is a student loan tied to my education records and I did not authorize the third-party sharing of this information in this manner. 

I have attempted to fix this issue by contacting the loan servicer and preparing dispute letters for all three credit bureaus and the servicer. I also requested verification and clarification of why these delinquencies were reported post-forbearance and received no helpful response. I am requesting that the CFPB require the loan servicer to remove all negative reporting from this account and update the credit bureaus to reflect accurate status.
Product: Mortgage

I have contacted Ameris Customer Service for 2 weeks ( 5 different calls ) to try and resolve an issue with my VA mortgage related to the escrow ( recalculated incorrectly ). This basically comes down to a higher property tax ( {$10000.00} ) was paid out on XXXX ( County assumed Rental ) but the county paid back the difference {$7900.00} on XX/XX/XXXX. During the ESCRO analysis that was done on XX/XX/XXXX, it was assumed a higher payment was needed for the negative escrow and future property tax. Once this was rectified with another Escrow analysis on XX/XX/XXXX ( S.C. Resident rate ), the payment went back to the normal payment range for the principal, interest and escrow. However, the system ( my statements from Ameris ) is looking for the difference of the escrow {$1600.00} for 2 the months XXXX & XX/XX/XXXX totaling {$3200.00}. It is showing that there is a balance due from the difference for both months it calculated for the higher escrow and started generating these Foreclosure notices to be generated. Ameris seems to not do well communicating with other departments and all I see to get is all the late payments removed. I have had several different answers from customer service and no one has resolved the problem. The response has been the Escrow office has been unable to release the funds. I need to have this resolved immediately by someone who has the authority to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a dispute with TransUnion about a month ago, and, today, I received an investigation report with the updates. For some unknown reason TransUnion has placed part of my name with a past dentist 's name and can not explain how this happened. TransUnion states that the creditors ' verify information. That is not true in this situation. I demanded this name be taken off my credit report, immediately. He hesitated for a moment until I yelled at him. Then, on a item that has been disputed since 2014 and deleted by the two other credit bureaus, the TransUnion rep refused to delete stating that the creditor has stated that the information is accurate -- kept repeating this until I hung up. Attached is a copy of the erroneously updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( XXXX ) : XXXX XXXX XXXX Acct # XXXX Amount {$950.00} - Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2022 Responsibility Joint Account Type Open Account Loan Type XXXX XXXX  Date Updated XX/XX/2022 High Balance {$950.00} Original Creditor XXXX XXXX XXXX  Past Due {$950.00} Pay Status >Collection<
Product: Credit reporting, credit repair services, or other personal consumer reports

These information are errors on my credit report and it's defaming my character and causing me financial hard, delete immediately. 

My real name is XXXX XXXX XXXX XXXX Delete These names. 
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 Delete these Addresses. 
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 XXXXXXXX Kindly find attached my social security card and passport to proof identity.
Product: Credit card or prepaid card

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile
Product: Credit reporting

I am at my wits end .... I have disputed accounts with Transunion that somehow have been placed on my credit via the internet and through the mail for the past 5 months and I have not received a response. I have tried to call by phone and I had to leave a message .... I have done this 3 times and todate no one has got back to me and the improperly placed information is still being contained in my file!!! 
This is not right!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Collection agency could not validate debt. Removed collection from only XXXX credit reporting agency file. Debt still remains in collections on remaining credit reporting agency files.
Product: Credit reporting or other personal consumer reports

Equifax credit reporting agency 's shows fraudulent inquires AND ACCOUNTS, please remove all fraudulent inquiries listed below XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX ACCOUNTS XXXX XXXX Account number XXXX XXXXXXXX XXXX  Account number XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm asking the removal of these bogus items from my credit report as a result of claimed identity theft and I want to let the credit bureaus know that I was a victim of identity theft. FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) requires CREDIT BUREAUS to REMOVE any items specified in Identity Theft. THE LIST OF ITEMS THAT I WANTED TO REMOVE IS HERE AGAIN! 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$5600.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX XXXX XXXX / XXXX / {$350000.00}
Product: Debt collection

I was contacted by XXXX XXXX about canceling my XXXX timeshare and agreed, believing they were affiliated with XXXX, as I had recently inquired about canceling. On XX/XX/XXXX, I was charged {$170.00} by XXXX XXXX. 

A year later, still under contract with XXXX, I contacted them and discovered they had no affiliation with XXXX XXXX. XXXX informed me I could have canceled directly with them at no cost. 

Despite my repeated attempts to cancel with XXXX XXXX, including contacting XXXX, I received no response. Over the past 11 months, I have been charged {$170.00} monthly, totaling {$1900.00}. On XX/XX/XXXX, I was notified that a debt of {$4400.00} was reported to my credit by United Consumer Financial Services, showing only 30 % paid off. I did not authorize this loan ; it appears XXXX XXXX took it out in my name without consent. 

My husband, a veteran in his late XXXX, and I, in my late XXXX, were scammed. I was unaware I could cancel directly with XXXX for free. XXXX XXXX has charged me monthly fees while repeatedly asking for more money and information, despite my full cooperation. They only partially canceled my XXXX timeshare and continued to ask for more, leading to frustration and eventual cessation of payments. 

I request that this fraudulent debt be removed from my credit report with XXXX, XXXX, and XXXX immediately. The unauthorized loan violates my rights under the Truth in Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ), and may constitute unfair practices under the Fair Debt Collection Practices Act ( FDCPA ). As a result, my credit score dropped from a perfect score to XXXX, a decrease of XXXX points. 

I expect this issue to be resolved and the debt removed from my credit report within 30 days. If not resolved, I will consider further legal action. Please provide written confirmation that the loan has been voided and my credit report corrected accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion shows me as deceased with no fact checking causing all my credit accounts to be closed with no notice during a global pandemic.
Product: Mortgage

I have had a mortgage loan with Wells Fargo since XX/XX/XXXX without any missed payments. My XXXX is currently at 56 %. 

I reached out to Wells Fargo regarding eliminating my Escrow Account. Well Fargo has refused citing a mandatory requirement that they can not by law remove an escrow account. They further stated that I must maintain an Escrow Account with Wells Fargo for the life of the loan according to the XXXX. 

I understand that the XXXX can require an escrow account to stay open, but Wells Fargo is not saying that they want the escrow account to remain open. Wells Fargo is stating that they are REQUIRED that I maintain an Escrow account because it is a XXXX XXXX, and the XXXX says that I have to have one. 

I have a saved chat transcript, and a word dictation of the conversations with Well Fargo representatives saying that they I am REQUIRED for the life of the loan to maintain an Escrow Account with them. 

Her is what The VA specifically says on the subject of XXXX XXXXXXXX : Lenders Handbook - XXXX XXXXXXXX XXXX Chapter 9 Legal Instruments, Liens, Escrows, and Related Issues Specifically Page 25 states the following 12. Escrow for Taxes and Insurance 9-25 Change Date XX/XX/XXXX This chapter has been revised in its entirety. 
a. Requirements XXXX  does not require the lender to establish escrow accounts for the collection and payment of property taxes, hazard insurance premiums, and similar items. It is the lenders responsibility to ensure that property taxes and hazard insurance premiums are paid timely. A lender who chooses to escrow for taxes and insurance must comply with applicable laws, including the Real Estate Settlement Procedures Act ( RESPA ). 

The reason why I want to cancel the Escrow account is that Wells Fargo has committed fraudulent activities on this Escrow Account. 

I received a letter for my local tax office indicating that they credited 2 cents per one hundred dollars of assessed property value as a credit toward my XX/XX/XXXX property tax payment. 

Wells Fargo failed to apply that credit to my XX/XX/XXXX property tax resulting in an over payment for XX/XX/XXXX. Although small, this amounted to {$88.00}. I received a escrow statement from Wells Fargo on XX/XX/XXXX which made no mention of the {$88.00} reduced payment or credit in my Escrow Account. 

I made two call to Wells Fargo who indicated they they have not record of a reduced tax payment from the local real estate tax office. 

By Wells Fargo saying that they are required to maintain an Escrow Account is false according to Lenders Handbook - XXXX XXXXXXXX XXXX which I cited above, and it appears that Wells Fargo is conducting predatory lending practice against veterans.
Product: Student loan

Navient ignored my complaints when asking for documentation in reference to payments that I had made. They also made it impossible when trying to apply for a forbearance, when I fell on hard times and could no longer make my loan payments.
Product: Mortgage

I have called Nationstar/Mr.Cooper mortgage company on several occasions trying to provide a corrected property tax bill ( XXXX ) when I submitted the bill their tax department continues to enter the wrong amount ( XXXX ) which gave me an overage in my escrow account of ( XXXX ). When I pointed this out and submitted the correct tax amount the company stated they would update this to reflect the correct amount. They mailed me a check for the shortage and I explained to them it was incorrect. 

Mr. Cooper rep then stated once I get the check to put the check back in escrow since the correct property tax amount would leave a shortage. The check finally came today on XX/XX/13. the money was refunded back to my escrow account and now the amount for property tax is showing ( XXXX ) AGAIN! this is wrong! it should be ( XXXX ). I have asked to speak to a manager several times to make sure this gets updated with the correct mortgage payment amount so I don't 1.Underpay my mortgage 2. Mr.Cooper sends the 2nd installment of my property tax correctly. 

I need to make sure Mr.Cooper updates my property tax bill correctly with the correct amount and sends the correct amount to XXXX XXXX for ( XXXX ) I have made a total of 6 phone calls so far. I have never experienced such a incompetent mortgage company.
Product: Debt collection

XX/XX/XXXX Dear CFPB Team, I rented a car with XXXX in XX/XX/XXXX. 

Please see XXXX XXXX XXXX XXXX is the email that I received from XXXX with my rental car reservation confirmation. The daily rate that was guaranteed via my confirmation is $ XXXX. 

Please see XXXX XXXX XXXX XXXX is the receipt I received after the completion of my rental. XXXX erroneously charged me $ XXXX as the daily rate. 

The daily rental rate from my confirmation should not have changed. The total for my rental should have been {$370.00} instead of {$1200.00}, a difference of {$860.00}. 

I tried to resolve this error with XXXX and they would not help reach a resolution. I then disputed the charge with my credit card ( XXXX ) and XXXX ruled in my favor on XX/XX/XXXX. XXXX credited my account for the disputed amount of {$860.00}. See ruling from XXXX in XXXX XXXX 

XXXX has now sent me to collections ( via Viking Clients Services, LLC ) in order to collect the amount that XXXX ruled in my favor. See XXXX XXXX 

I do not owe this amount to XXXX or Viking Client Services for reasons stated above. 

I look forward to moving towards a resolution and your assistance. 

Exhibits are in the attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.