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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Dispute Department po box XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Charge-Off Reporting Dear Experian Dispute Department, I am writing to formally dispute inaccurate information reported on my credit report. The disputed item is a charge-off related to account XXXX XXXX XXXX XXXX XXXX  XXXX This account is inaccurately reported and is not in compliance with the Metro 2 format guidelines as required by the XXXX XXXX XXXX XXXX ( XXXX ). 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate information. This requirement is reinforced by Metro 2 compliance standards, which mandate the accurate reporting of charge-offs, including the correct status, dates, and balance information. I believe the following information is inaccurately reported : Account Status : The account status is incorrect and does not reflect the current situation. 
Dates : The dates of delinquency and charge-off are inaccurately reported. 
Balance : The reported balance is incorrect and does not match the actual balance at the time of charge-off. 
I would like to bring to your attention the following court cases where Experian was found to have inaccurately reported information : [ XXXX XXXX XXXX XXXX, XXXX ] : While primarily involving XXXX, this case highlighted the broader issue of inaccurate credit reporting and the responsibilities of credit reporting agencies under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Experian was involved in this case where it was found liable for not following reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual. 
[ XXXX XXXX Experian XXXX XXXX XXXX XXXX, XXXX ] : This case specifically involved Experian 's failure to accurately report a consumer 's information, resulting in a judgment against Experian. 
These cases underscore the importance of accurate reporting and the potential consequences of failing to adhere to FCRA requirements. 

I request that you : Reinvestigate the accuracy of the information you have reported. 
Correct any inaccuracies found during the investigation. 
Provide me with a written statement detailing the actions taken and the results of your investigation. 
Please provide a copy of my updated credit report once the corrections have been made. If the inaccurate information can not be verified, it must be promptly deleted from my credit report. 

I have enclosed copies of my credit report highlighting the disputed information, as well as any relevant documentation to support my dispute. Please conduct a thorough review and respond to my request within the 30-day period mandated by the FCRA. 

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

Sincerely, XXXX XXXX Enclosures : Copy of Credit Report with Disputed Information Highlighted Supporting Documentation
Product: Mortgage

Regarding previous complaint XXXX in regards to your response : An apology is accepted however I was affected by it, by ally banks employees mistakes, I was affected economically directly. 
The informantion about the type of income should have been Disclosed at the begining of the application process, it was ally mistake that didnt get done. 
1 ) What laws did ally bank broke by not disclosing that Info? 
2 ) when was this change on type of income made? And can you provide documentation about your updated policy.? 
Id like to check that I am not being discriminated so that would avoid any time of believe that I was. 
3 ) I believe and most people would that there should be a settlement from ally bank to me regarding this issue, I was affected economically and I believe it is fair. 
I rather have an agreement than having to escalate this issue to an upper authority cause that would save us both time and info that would be public due to having the issue escalated. 
I recently received a phone call from your bank indicating somebody will contact me in regards to this issue. I was contacted because I fill out a survey indicating how I felt about the bank. Thats the reason I was contacted.
Product: Debt collection

I received a copy of my credit report and information is listed incorrectly, I do not have any agreement with nor have I ever had a contract with LVNV Funding LLC Account Number XXXX This collection account is reporting OPEN, but also shows a balance of {$870.00}. According to the FCRA, I have the right to an accurate credit report. Please remove the account immediately from my credit report.
Product: Student loan

I XXXX  my XXXX XXXX  into a XXXX XXXX in XX/XX/XXXX and was under the XXXX XXXX XXXX XXXX. In XX/XX/XXXX I switched to the XXXX program and have been on that program since. 

During XXXX there was interest being charged to my loan that has not been waived yet. During the payment period of XXXX, interest not covered by my payments was supposed to be waived and never was. I contacted AidVantage about this several times using their " Contact US '' option and each time was told XXXX XXXX XXXX is keeping track of the interest to be waived, and will do so at a later date ''. This contradicts the XXXX XXXX XXXX statements, and Aidvantage has yet to waive that interest. 

I was placed in the XXXX interest XXXX admin XXXX in XX/XX/XXXX. In XX/XX/XXXX I received a notice that my XXXX  program was coming up for recertification, due XX/XX/XXXX, so on XX/XX/XXXX I recertified online on XXXX 's website the day the online process was opened back up. I received a notice from Aidvantage on XX/XX/XXXX that they received my recertification from XXXX. That same day, they placed me on an interest bearing 60 day XXXX, which is not supposed to occur per XXXX XXXX XXXX guidelines. I was not applying for a XXXX I was recertifying my existing one. 

On XX/XX/XXXX I received a letter from Aidvantage that the XXXX XXXX XXXX extended all recertifications out a year, so my next recertification wasn't due until XX/XX/XXXX. My XXXX program was good through XX/XX/XXXX, which is why the recert date was XX/XX/XXXX. 

I emailed Aidvantage several times asking why I was accruing interest when I only recertified, and the recert was extended a year XXXX days before it was due ( XX/XX/XXXX ) and approximately 45 days before my current payment plan was up XX/XX/XXXX ). On XX/XX/XXXX they placed me on another 60 day admin XXXX, and when I asked them why when I didn't apply for any XXXX, they stated they were instructed to do so by the XXXX XXXX XXXX 

On XX/XX/XXXX they finally removed me from the interest accruing XXXX  and placed me back onto the XXXX interest XXXX  admin XXXX. This was the date XXXX XXXX XXXX sent out their updated notice that the XXXX XXXX was extended until at least XXXX XXXX. I again asked them to waive all the interest, and they told me that they removed me from it XX/XX/XXXX not XX/XX/XXXX, and didn't address my request to waive the interest. Sometime between XX/XX/XXXX and XX/XX/XXXX they added additional interest to my account out of now where, even though the loan still states 0.00 %, and there was no transaction history. The total balance went up {$190.00} across the two direct loans.
Product: Money transfer, virtual currency, or money service

On XX/XX/2017, I saw that someone had made an unauthorized money transfer from my account in the amount of {$5000.00}, and that Citibank had charged me a {$25.00} fee for the transfer. I did not authorize or give permission for anyone to transfer money from my account. I complained to the bank by phone and in person about a week later. I filed a police report on XX/XX/2017, and on XX/XX/2017, I completed an affidavit of unauthorized wire transfer that Citibank sent to me and returned it to them. 

I also complained to XXXX  XXXX XXXX, which was the bank the money was transferred to. XXXX XXXX XXXX did an investigation and told me the name of the person the money was transferred to. I do not know the person it was transferred to and have nothing to do with him. XXXX  XXXX XXXX also told me that it found evidence of fraud. 

Citibank denied my dispute of the transfer, saying that the transfer was not fraudulent, but did not give any reasons for its decision. I appealed the decision, but my appeal was also denied.
Product: Student loan

I have tried on several occasions to log into my new Mohela account. My loans were transferred from XXXX to Mohela a few months ago. I have tried on several occasions to login online to my account that I had set up originally, however, the online account states my account number and social security number do not match their records. I have tried my co-signers information as well and then too was given a message about how that information did not match their records. At this time there is no other way to pay for my loans because the call wait times have been over XXXX hours. I waited on the phone for over XXXX hours and then was disconnected. This is abuse of the borrower. Mohela should not be treating their borrowers like this.
Product: Credit reporting or other personal consumer reports

I have fallen victim to identity theft, and my Social Security number and personal information have been compromised in a data breach. I promptly notified XXXX, Equifax, and XXXX. submitted my ID and a detailed letter as instructed. Despite following their guidelines, my credit report remains unchanged. I also filed an identity theft report With FTC and sent it to them, yet the inaccurate information persists and is damaging to my financial well-being not only all XXXX credit reports should match none of them matches or have the same information. U.S. Code 1681a ( 2 ) ( AXi ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. I've noticed that XXXX shows an account balance of {$20000.00}, along with a XXXX XXXX account in the amount of XXXX This information was included in my identity theft report. I strongly urge XXXX, Equifax, and XXXX to rectify this situation and ensure that my credit report reflects accurate, fair, and complete information. Please remove these false entries. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about my personal information is being reported wrong. 
They are housing these incorrect addresses on my report which I have tried several times to get these wrong addresses off my report which they are not mine and I have never lived there in by Law if I never lived at these locations to avoid FRUAD and they need to remove these incorrect addresses.. 

I contacted these XXXX, EQUIFAX AND XXXX on XX/XX/2022, XX/XX/2022 and they haven't resolve the issue. 

In addition to Equifax they are reporting the wrong birth date on my report and they I asked to to fix it several times and they still haven't fix this issue.
Product: Checking or savings account

On the day XX/XX/02 i was trying to make a withdrawal with my bank account from XXXX in a Chase bank. The amount that i tried to withdraw {$400.00}. The ATM did not give me my money and it said that i needed to call them about it. I tried one more time thinking that my money was still in my bank account. It gave me a receipt saying that I didnt have founds. 
Called Chase customer service and nobody gave me an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got the app to monitor my credit because I had no idea that all these spam calls where because of my credit score. Turns out I wasn't thoroughly helped last year when I need to report identity theft my identity was stolen credit cards and mortgage loans and insurance inquiries at least 12 where taken out. I never had a credit card. I did apply for XXXX XXXX  as I was XXXX at the time. I also has taken out a XXXX XXXX XXXX. Other than that I never got the credit card and XXXX was the loan company for my first car the XXXX in XXXX : XXXX XXXX keeps appearing and when I speak to experian they told me I applies for a subscription when I only wanted tot monitor my credit and XXXX  I meant to only monitor and see what was on there but my phone and phone calls where being hacked and rerouted and forwarded. I was also scammed in XXXX in XXXX and reported it but I can't get a real lawyer because all calls sound the same. I've called fbi the DOJ and osha. While being neglected by the healthcare system. Then I saw the DOJ purposely was neglecting South American citizens which I reported to the White House. In hopes for change. A direct answer and guidance.
Product: Debt collection

I had a medical debt. Collection Associates LT ( address XXXX XXXX XXXX XXXX, WI XXXX phone # XXXX ) got a garnishment levy and sent it my employer in XX/XX/2018. My employer paid the debt out of my checks in XX/XX/2018 for the full amount. Now the company is still reporting to credit reporting agencies that I still owe them. I contacted them who said they transferred it to another lawyer and I need to contact them. Their name is on my credit report as reporting still due. I feel they are just giving me the run around instead of correcting this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Transunion XX/XX/XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX ( Acct # XXXX ) XXXX.Dept Of Ed-Opened XXXX XXXX ( Acct # XXXX ) 3. XXXX XXXX XXXX Opened XXXX XXXX ( Acct # XXXX ) Its been well over 30 days. I still havent recieved anything back. According to 15 USC 1681i ( a ) ( 1 ) ( a ) XXXX, XXXX, and Transunion have 30 days to respond to my dispute. This is a violation of my rights. I explain to them in writing if you dont have the Original Agreement then I need an updated error free credit report.
Product: Credit card

I contact the company about existing accounts that were open fraudulently under my name with a balance of {$1200.00}, i asked for the account to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the alleged debt with the alleged creditor and its collection agency, Aargon. The account was reported to XXXX, but it was never indicated as DISPUTED. 

I later authorized a payment through my credit card, in writing, via email, though I continue to believe the amount is not owed. 

The collection agency is not charging my credit card and continues to keep the account open. In my opinion, out of spitefulness and retaliation because I reported the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I have rights under the Fair Credit Reporting Act. 
XXXX and Equifax are both in violation of the FCRA Section 604. Permissible purposes of consumer reports and Section 607. Compliance Procedures. THEY VIOLATED THE UNITED STATES CODE LAW.

My personal information was exposed in the Equifax breach in 2017 and I sent two dispute letters to Transunion and Equifax about some impermissible inquires on my consumer credit report. The first letter was sent on XX/XX/XXXX and the second letter was sent on XX/XX/XXXX. XXXX nor Equifax has yet to remove these impermissible inquires from my consumer credit report. FCRA Section 607 states that CRAs are required to make sure that consumer reports are only being used by appropriate people and for legitimate purposes, as spelled out in Section 604.

FCRA Section 604. Permissible purposes of consumer reports clearly state any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 1. In response to the order of a court having jurisdiction to issue, such as a subpoena, and in connection with proceedings before a Federal grand jury 2. In accordance with the written instructions of the consumer to whom it relates 3. To a person which it has reason to believe A. intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer B. intends to use the information for employment purposes C. intends to use the information in connection with the underwriting of insurance involving the consumer D. intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status E. intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation F. otherwise has a legitimate business need for the information i. in connection with a business transaction that is initiated by the consumer ii. to review an account to determine whether the consumer continues to meet the terms of the account. 

IMPERMISSIBLE CREDIT REPORT ACCESS IS A BREACH OF PRIVACY Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave XXXX and Equifax any written consent to report anything on my consumer report, nor did I instruct or give consent to anyone in writing to obtain my consumer report. No consent is Identity Theft. As a consumer, these inquires in this complaint must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also, I have already involved and sent a letter to the attorney general 's office, XXXX XXXX XXXX and federal trade commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax website does not respond or malfunctions every time I make a request for a free annual report. This has happened at least three times when I tried. Something is wrong with Equifax 's consumer reporting website, it does not follow through or complete the reporting process without some sort of glitch voiding the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to verify the validity of the alleged debt and the original debtor has incorrectly reported the balance which should be {$0.00}. 

Im writing to formally dispute the following Account : XXXX XXXX {$5100.00} Original Creditor XXXX  XXXX / XXXX XXXX A careful examination of the submitting documents will clearly and factually demonstrate that the charges submitted to your agency were grossly and intentionally misrepresented. 
The landlord grossly and intentionally misrepresented the alleged debt owed by submitting inaccurate and fraudulent charges to a credit reporting agency ; specifically the landlord charged {$3500.00} for reportedly Insufficient Notice Fee-Sam. In addition to Lease Termination Fee-Sam. {$1600.00} and lastly a XXXX XXXX/XXXX/XXXX XXXX XXXXl/XXXX XXXX XXXX XXXX XXXX {$430.00}. SEE ATTACHED : NOTICE TO VACATE. 
I DID NOT FAIL TO GIVE SUFFICENT NOTICE AS INDICATED IN THE ATTACHED FINAL INVOICE. THE LANLORD DEMAMDED IMMEDIATE POSSESSION OF THE PROPOERTY VOLUNTARILY. 
THERE WAS NO BALANCE AT THE TIME PRIOR TO THE LANLORDS REQUEST TO IMMEDIATELY TAKE POSSESSION OF THE PROPERTY. THERE WAS A CREDIT. 
The landlord failed to follow applicable laws demanding possessing of the property within 24 hours. In addition, I ( tenant ) did not fail to provide Sufficient Notice, neither did I voluntarily surrender the property or terminate the Lease. I was not given the opportunity to formally and legally dispute the Terms of the Notice to Vacate. Lastly, the Landlord failed to file any Eviction in the appropriate court jurisdiction. There was not delinquent balance.

The Landlord failed to provide the sufficient Notice as required by : Texas Property Code 24.005. Notice to Vacate Prior to Filing Eviction Suit ( a ) If the occupant is a tenant under a written lease or oral rental agreement, the landlord must give a tenant who defaults or holds over beyond the end of the rental term or renewal period at least three days ' written notice to vacate the premises before the landlord files a forcible detainer suit, unless the parties have contracted for a shorter or longer notice period in a written lease or agreement. A landlord who files a forcible detainer suit on grounds that the tenant is holding over beyond the end of the rental term or renewal period must also comply with the tenancy termination requirements of Section 91.001.

THERE WAS A CREDIT WHEN THE LANLORD VOLUNTARILY DEMANDED POSSESSION OF THE PROPERTY NO LEGAL EVICTION WAS ISSUED BY THE APPROPRIATE LEGAL JUSIRSIDICTION ; NEITHER DID I VOLUNTARILY SURRENDER THE PROPERTY WITHOUT PROPER NOTICE.

THE LANLORD TOOK IMMDEIATE POSSESSION OF THE PROPERTY WITHOUT GIVEN SUFFICENT NOTICE XXXX XXXX XXXX SS # XXXX
Product: Mortgage

Borrower : XXXX XXXX XXXXProperty Address : XXXX XXXX XXXX XXXX ; XXXX, MD XXXXLoan XXXXLender : Caliber Home LoansFormal Complaint Against Caliber Home LoansCaliber Home Loans, Inc. tax department made an error on my mortgage. They thought that Caliber had to pay a {$1900.00} tax bill twice annually. 
Which made my mortgage payment ( PITI ) escrow almost {$400.00} a month more over andabove my current mortgage payment. My current mortgage payment XXXX PITI XXXX is {$620.00}. However with this tax error on the part of Caliber my mortgage payment is over {$900.00} of which, I can not afford and will not pay due to Calibers error. 
However, after my complaining numerous times. The tax department finally realized that the taxes of {$1900.00} was payable only once a year not twice in one year!!!!. Caliber tax department via the tax department supervisor XXXX XXXX spoke with me twice and assured me the problem would be resolved. It has not!!! I am still being wrongfully chargedover {$900.00} for my mortgage payment that was wrongfully calculated by Caliber Home Loans. Caliber has put my loan in the Collections Department, they have sent me loss mitigation documents they say I am behind two payments. I continue to send in my correct loan amount of $ 624 monthly and not the over {$900.00} that they wrongfully calculated for the escrow due to their mistake. I have tried to no avail to have this problem resolved within Caliber and can not. I was told by a person in the tax department that theresearch department that handles these issues as a very large backlog and I had to wait my turn. I should not have to pay an excessive {$400.00} a month for escrow due to an erroron the part of Caliber.
Product: Vehicle loan or lease

I have contacted the Lexus customer support over an issue with my Lexus vehicle. The vehicle has an audio issue in which the audio cuts off and does not come back. When the audio cuts off, I can not hear anything, whether it is music or an incoming call. I have an ongoing case and there is no update, despite having gone to the dealership multiple times and waiting months for the issue to be fixed. My Lexus case number is the following : XXXX. My representative 's name is XXXX and my last contact with her was on XX/XX/24 in which she informed me that there is no update on my case and they still do not have a fix. I have gone to the dealership multiple times, I have been in contact with Lexus for months with the opened case and there is still nothing.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report as provided by your bureau. The account in question is with XXXXXXXX XXXX XXXX XXXX XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), your bureau is required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports. 

Upon reviewing my credit report, I have identified numerous inaccuracies associated with the above-referenced account. These inaccuracies are significantly affecting my credit score and my ability to obtain credit. Specifically, the following errors have been noted : incorrect payment history, incorrect balance, incorrect account status