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

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : TRANSUNION Account Type : Secured Credit Card Dear Sir/Madam, I am exercising my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) to formally dispute inaccurate and unverifiable information related to my account with XXXX, which has been marked as " charge-off. '' Upon reviewing my credit report, I have noticed the following significant discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest : reported balance : {$260.00} Current : balance owed : {$0.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Account type : Secured credit card. 

XXXX : Highest reported balance : {$0.00} Current balance owed : {$0.00} Payment status : Closed, reported as " Collection/Chargeoff. '' It also states that the accounts unpaid balance was reported as a loss by the creditor. 
Account type : Credit line secured. 

XXXX : No information reported regarding this account. 

These inconsistencies between the credit bureaus, particularly regarding the balance reported, account status, and type, violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies maintain maximum possible accuracy in the consumer information they report. TransUnion and XXXX report different balances, with XXXX listing a {$0.00} balance for the highest amount, and XXXX reports nothing at all regarding this account, creating a discrepancy. Additionally, XXXX notes an unpaid balance reported as a loss, while TransUnion does not. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to accurate and clear information about my credit obligations and payment history. The discrepancies between the reports are hindering this right and inaccurately affecting my credit score and history. 

I request that you investigate this dispute under the FCRA and TILA, and remove the inaccurate information, including the charge-off, from my credit report. The differences between the credit bureaus indicate the inaccuracy of the reported information. Please provide me with the results of your investigation and a corrected report as soon as possible. 


For your reference, I have attached copies of my credit reports showing these discrepancies. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Debt collection

I do not owe this debt I request all of the following information be provided to me : Documentation showing you have verified that I am responsible for this debt, or a copy of my signature with a signed contract with this company. 

Otherwise I ask that you remove this debt from my credit file as it is reflecting negative on my file and is making my file look bad.
Product: Mortgage

I have a mortgage with a mortgage company, this company has had so many complaints against them, yet nothing has been done to stop them preying on the consumer. In fact the more complaints made, the more help they seem to be getting from the Federal Government. In fact they got over XXXX XXXX dollars for covid relief they have helped no one. I recently applied for help from the haf program, I am within the guidelines as to what Haf will pay what the mortgage company did was inflate what I owe by {$11000.00}. therefore disqualifying me for the grant, no one has been able to justify this. HAF is telling me that they have to go by the amount the mortgage co.states, in other words if the mortgage company says you owe certain amount thats what they have to go by, my statements are clear as to what I owe, Haf is saying that they cant accept my mortgage statement. I feel so violated. Calls to the servicer validate that the amount on my statement is correct. I need help, I feel that I qualify for this grant and the mortgage company should not be able to do this and get away with this.
Product: Mortgage

I'm in the process of purchasing a new single family home from XXXX XXXX XXXX. I'm using their mortgage provider, priority home mortgage. 

On XX/XX/XXXX, we were communicating via email and I proposed to lock a rate with XXXX points. The mortgage provider sends over a draft cost estimation via email, the " cash to close '' on the draft estimation is {$170000.00} with XXXX points. I locked the rate ( 5.25 % ) and agreed to move forward. 

On XX/XX/XXXX, when I get the disclosure package with the final proposal to sign, I noticed the " cash to close '' becomes {$150000.00}. To confirm this change, I read through the whole doc and saw the " notice of change circumstances reasons '' section at tend of the doc, and it confirmed " Seller credits increased from {$20000.00} to {$40000.00} ''. Since the builder 's mortgage provider 's default interest rate and cost are both actually higher than external providers, and all the other costs are adjusted ( increased ) in this proposal, I think this is a confirmed credit increase to cover the additional cost and signed the doc. 

Then, on XX/XX/XXXX, one week before closing, I received one more disclosure package for fax payment. The " cash to close '' changed from {$150000.00} into {$160000.00}. When I read the rest of the doc, I realized the seller credit is decrease for {$20000.00}, and added a " real estate commission '' of {$26000.00}. The points charge decreased from XXXX points to XXXX points also. 

After calling the mortgage company, I was told the original {$150000.00} is caused by typo in the mortgage terms. While we might have to move forward with the new proposed amount due to only one week from close, I would like to submit this complaint to stop this from happening in the future.
Product: Debt collection

Please refer to complaint ID XXXX submitted on XX/XX/XXXX. 

On XX/XX/XXXX, I filed a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX received my consumer complaint and closed my account. They also notified their client to do the same stating, " We are in receipt of the Consumers dispute and have notified our client of the same. Our office has placed an immediate cease on any attempts to communicate with the Consumer regarding this matter. '' XXXX XXXX XXXX has disregarded this notification and proceeded to send my account to yet another collection agency. This time, for the balance of {$120.00} which is why I am filing another complaint against XXXX XXXX XXXX and the new collection agency, Resurgent Capital Services, who I need to notify within 30 days that I am disputing the validity of this debt. 

At this time, I would like to file a complaint against XXXX XXXX XXXX and Resurgent Capital Services. I don't know XXXX, XXXX 's address or how to get in touch with them, so I am sending them a letter care of Resurgent Capital Services which is within the 30 day window to dispute the validity of this debt. 

As I stated in my last complaint, " My credit card was breached XXXX XXXX. My bank cleared the charges that were made at the time and I changed my card. These charges were made after I closed that credit card, and therefore, did not show up on my statement. I did not make these purchases, nor did I receive any services. The charges were made to XXXX. XXXX then sent the charges to a collection agency called XXXX XXXX and that was the first time I knew about the charges. I did not know how to get in touch with XXXX, but I wrote to the collection agency to clear it, but they sent me a letter saying I still owed it on XX/XX/XXXX. I filed a complaint with the FTC Report XXXX : XXXX on XX/XX/XXXX. I just received another letter from a different collection agency, XXXX XXXX XXXX who said that they purchased my account from XXXX and is giving me until XX/XX/XXXX to pay {$210.00} of the total balance of {$350.00}. Again, I did not make any payments because I did not receive any services. '' On XX/XX/XXXX, XXXX XXXX responded that they closed my account. 

All documents are attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit by XXXX XXXX XXXX for a credit card. The " key reasons '' provided were " delinquency reported on accounts '', and " recent delinquency on revolving accounts ''. XXXX XXXX also listed a credit score of " XXXX ''. This information was obtained from Experian credit reporting agency. This denial is in violation of my federally protected rights under the Equal Opportunity Credit Act ( EOCA ) in conjunction with the Dodd Frank Act. Credit One 's denial was obtained from Experian which provided an inaccurate credit file and/or consumer report to XXXX  XXXX in violation of my consumer rights under the Dodd Frank Act, 15 USC 1681 ( e ) which states in part that CRAs must provide MAXIMUM accuracy. This caused financial harm to me as I was denied a credit card by XXXX XXXX XXXX ( see attachment ). XXXX XXXX XXXX  violated the ECOA by using the credit file and/or consumer report as a deciding factor to either approve or deny my application for a credit card. This is discrimination given that they relied solely on the inaccurate " report '' provided by Experian to make their determination. The report provided by Experian includes information as to my age, martial status, and gender which may have aided in XXXX XXXX 's decision to refuse to approve the credit card application. XXXX XXXX has violated my federally protected rights under ECOA as I have first hand knowledge of another person, who is a male of similar age and marital status, who was recently approved for a XXXX XXXX credit card, with a lower credit score, more than XXXX valid delinquent accounts, with less income and a higher debt to income ratio than what was reported to XXXX XXXX XXXX, by Experian, under my personal details. Should this complaint progress to the need for litigation, this witness, among several others that I have been able to identify, are willing to be deposed and/or testify in court and provide pertinent evidence to these facts against XXXX XXXX XXXX . 
Experian continues to recklessly, continuously, consistently, and negligently violate my federally protected rights under the Trafficking Victim Protection Act ( TVPA ), UDAAP, 15 USC 1681e, and Regulation V, as they continue to report and attribute false information to my consumer report and my credit file. I have made no less than XXXX complaints via CFPB regarding this specific violation yet it persists to date. Experian continues to recklessly, continuously, consistently, and negligently violate my federally protected rights under the Dodd Frank Act. Experian continues to recklessly, continuously, consistently, and negligently violate my federally protected rights under 15 USC 1681e which states in part that CRAs MUST maintain " MAXIMUM ACCURACY '' of the consumer report and credit file which in my case, they have not and refuse to do so. This has and continues to cause my SEVERE financial harm, defamation of character, and further victimizes me under the TVPA and UDAAP.
Product: Credit reporting or other personal consumer reports

I am filing this complaint as a victim of identity theft related to a data breach involving Equifax. Due to this breach, fraudulent accounts have been opened in my name without my authorization. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax block and delete these accounts from my credit report.

I kindly request that you block this information from my credit report within four business days, pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act. I am a victim of the Equifax data breach and would like for all listed accounts to be blocked and deleted company information from Equifax. 

Please delete the following accounts and inquiries : XXXX XXXX XXXX Account : XXXX XXXX XXXX {$5600.00} ( late payments ) XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX {$3800.00} XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX {$2600.00} XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX {$2400.00} XXXXXXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX 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

I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDCO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDCO XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX  Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX
Product: Debt collection

Has called me 32 times in the last week. They are asking for my social security number and I refuse to provide that information. Explained they can mail me any correspondence.
Product: Money transfer, virtual currency, or money service

This complaint is against Square , Inc., having its offices at XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX, CA XXXX and its affiliated unit, styled as Cash App. Square has stolen {$3000.00} from me and has never offered a clear explanation Despite my and the payees repeated attempts over the past six months to explain the problem and achieve resolution. Funds in the amount of {$3.00}, 000.00 were transferred from my personal bank account to my Square, Inc. account, but never received into the accounts of the designated payee. Square has ignored us and has stated, through innumerable emails, that they can do nothing. 
The substantial amount of this theft by Cash App is causing extreme financial distress for our family. 
On XX/XX/2020 I used CashApp XXXX XXXX XXXX XXXX to transfer {$3000.00} to XXXX XXXX ( payee ) for expenses he had incurred to repair his mothers dwelling. The funds were removed on XX/XX/2020 from my personal bank checking account, but were never received into the account of the payee [ $ XXXX ]. Payee had, prior to XX/XX/XXXX, closed that account and had subsequently opened a new account [ $ XXXX ]. 
On XX/XX/2020 I requested the funds be returned to me ; Cash App has responded that such would be impossible, stating finally on XX/XX/XXXX : After checking your account, I can see the {$3000.00} paid to $ XXXX on XX/XX/2020 at XXXX XXXX XXXX  has been completed, Cash App is unable to cancel or refund completed payments. If you would like to recover your funds, please have the recipient reach out to us. 
During this ordeal, both I and the payee have tried many times to get this resolved with Cash Apps customer service agents and to either have the {$3000.00} returned to the Payer or sent to the Payee. We have timely submitted every piece of information they have required in order to verify the account.

These are excerpts from emails sent to the Payee ( full email messages attached to this complaint ) showing Cash Apps inability to adequately explain how the {$3000.00} could be recovered : XX/XX/2020 : I know that not being able to access the funds involved is inconvenient and can be a stressful situation. You may be able to contact your local law enforcement., and file a report. Cash App will fully cooperate in the investigation. I do not have any new information to provide regarding this issue. 
XX/XX/2020 : After taking a look into your account, I am able tpo see that your request to access to the account was not approved. For security reasons, we can not reverse this decision ad are unable to provide additional details. 
XX/XX/2020 : Were unable to verify the information youve provided to merge these accounts together. Moving forward, you will not be able to access your previous account. 
XX/XX/2020 : I can see that your {$3000.00} are in $ XXXX but you requested the merge from another account different from this XXXX $ XXXX XXXX.
Product: Mortgage

RE : Loan # XXXX I have been in a Loan Modification Plan with Select Portfolio Servicing ( SPS ) since XX/XX/XXXX. I have been providing them with all documents requested since XXXX & I have been advised by SPS that they had received all documents needed many times.. I keep providing the same documents over and over as they keep asking for them over & over. I have restarted the entire process over & over & this Loan Modification has gone on for 2 years without completion. They have done XXXX appraisals & their underwriting dept keeps taking so long that they let 3 months at a time go by without completion and then start asking for the same documents over again.They tell me that they are working for me, but the process never ends & my property stands to be lost, due to this never ending process and now I have issues with the Homeowners Association after being told by SPS not to worry about the HOA 's because my account was being handled by their XXXX XXXX & everything was fine. Now I am being told the opposite. The lender is XXXX Bank XXXX XXXX Bank. I do not want to lose my home but this never ending process stands to put me in a position with the HOA that they moved to foreclose due to HOA dues after it was the HOA that made my home uninhabitable for well over a year due to the HOA " Slab Leak '' flooding my home causing it to mold & then they denied liability for months creating over {$70000.00} in damages without waiving HOA dues & then moved to foreclose because the Loan Modification did not take place yet. This Loan Modification Plan process is still taking place. Again on XX/XX/XXXX it will have been two ( 2 ) years of being in a Loan Modification Process with no results other than the stance of losing my home. DUE TO THIS I REALLY NEED YOUR HELP!!
Product: Credit card or prepaid card

My disagreement is with the Synchrony bank for lowering my line of credit for reporting a dispute over a charge on my Sam 's Club credit card, I discovered that charge that was made at the Sam 's store in Arkansas on XX/XX/2022 by the amount of {$100.00}, I reported the unknown charge to Sam 's Club Synchrony Bank credit card customer service and for that report my credit limit on that card was lowered, the previous limit was {$3600.00} and they lowered it to {$700.00} without sending me a letter why they lowered my limit to spend on that card and I have tried to get an explanation and to date I have not received an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mail a certified letter to Equifax stating that they are reporting something inaccurate. I sent along documents showing that the account is 100 % reporting wrong and got no response. The letter clearly shows this I've also received money back because of the inaccurate reporting. For two years from XX/XX/XXXX - XX/XX/XXXX.
Product: Student loan

Nelnet continues to make it impossible for me to pay my student loans. This is my second complaint filed with the CFPB. After " resolving my compliant '' by removing the administrative forbearance from my account and fixing my auto-debit to finally pull on XX/XX/2024 per the resolution documents they submitted to the CFPB they immediately went right back into my account and put my loans into administrative forbearance again. My auto-debit did not pull and now my account shows my next payment due date is XX/XX/2024. I have provided screenshots of emails with dates and time stamps proving what they did and when they did it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership and I had my credit ran more times than I agreed to. Here are the companies that I did not authorize the dealership to run my credit with XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX