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

RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing to you with this formal objection to information published and provided by you to XXXX, XXXX, and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/ reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 

You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record.

Immediately, DELETE ALL records of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. 

Date filed XXXX Reference XXXX Closing date XXXX This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, which extends to the reporting mandates that there be no deviation from XXXX Format compliance since, per the XXXX XXXX XXXX Any deviation from these standards jeopardizes the integrity of the data. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you included in your consumer reports that you prepared concerning e. your prompt attention to this important matter is requested in order to comply with federal law.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, XXXX and XXXX XXXX XXXX XXXX  XXXX refused to remove fraudulent account form my credit report, after I sent them a copy of my Identity Theft Report, Police Report, ID, SSN and utility bilXXXX which I will include in this compliant. I am requesting that all companies listed send verified documents and the methods that was used to verify this fraudulent account per the information act and FCRA. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bal : XXXX Date Opened : XX/XX/.
Product: Credit reporting or other personal consumer reports

I am challenging the XXXX data of the payment history. 
Under FCRA statue 15 U.S code 1666b and 15 USC 1681 all billing errors need to be removed. This account is marked 30 days late once on Experian and XXXX  and this needs to be removed. 

I also need the method of validation that was used as I have disputed this account and have yet to be provided with this information. 

complaint relative to a XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

Formal Dispute Request for Removal of Incorrect Addresses, Names, and Employers I am writing to formally dispute incorrect information on my credit report related to my addresses, names, and employers. I have previously submitted disputes to correct this information, but my requests were ignored, and no action has been taken. As a result of your inaction, I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to address your failure to comply with the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, you are required to ensure the accuracy of the information you report. The following inaccuracies must be corrected immediately : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Incorrect Employers : XXXX XXXX FCRA Violations and My Rights According to Section 611 of the FCRA, you are required to investigate and resolve disputes within 30 days of receiving notice. If the information can not be verified, it must be corrected or deleted from my report promptly. Your failure to act on my previous disputes is a violation of this federal requirement.

Additionally, Section 607 ( b ) of the FCRA mandates that you maintain reasonable procedures to ensure maximum possible accuracy. The presence of inaccurate addresses, names, and employers reflects a breach of this duty.

Demand for Immediate Action and Penalties I demand that you : Immediately remove all incorrect addresses, names, and employers from my credit report.

Provide written confirmation of these corrections.

Ensure future inaccuracies are promptly addressed and corrected.

Apply all applicable penalties under the FCRA for failing to address these disputes properly and in a timely manner.

If the requested changes are not made within 14 days, I will pursue legal action for non-compliance and further escalate my complaint with the CFPB.

Thank you for your attention to this urgent matter. I expect written confirmation of the corrections within the specified timeframe. 
I only have one Correct Address : XXXX XXXX XXXX XXXX XXXX, ohio, XXXX I only have one Correct Spelling of my name when applying for Credit i dont use my middle name : XXXX XXXX I Only have one correct employer : XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Checking or savings account

Bank of Americas check hold policy/risk department literally put me and my fiance in harms way being out at sea without the insurance we tried to purchase before the trip. We sold our home in XXXX California and drove across country to pursue our dream of living on a boat and travelling. We had a credit union in California but needed to open an account that would hopefully allow us easier access to our funds. On XX/XX/XXXX I went into the XXXX, Florida branch to deposit the funds from my credit union in California. I spent over an hour with a branch manager to make sure that I understood their Hold Notice ( see attached ). They give you {$200.00} upfront and then Hold code A was supposed to be released allowing me access to {$4800.00} and then hold D was to be released on XX/XX/XXXX for the remaining balance of {$15000.00}. Neither of those dates were honored even though I have the Notice of Hold outlining the dates and amounts. ( see attachments ) I was not notified by phone, e-mail, or text that they were not honoring the hold notice. I was informed at the grocery store by the cashier that my card did not go through. Upon my effort to find out why, I was informed that they did not release the {$4800.00} and that the {$15000.00} was going to be held until XX/XX/XXXX. The risk department wanted to place the burden of proof on me that the check had actually cleared. Now, that I dont have internet access what they want me to produce is not possible. They blamed my credit union saying that would not verify the check had cleared. The credit union offered to do a three way call with them to validate that the check cleared. That was not possible because the risk department much like the XXXX XXXX XXXX never speaks to the customer. I was able to supply them with the front and back of the check but that did not suffice. Apparently it takes 24 hours to escalate within the risk department so now we have lost yet another day. I spent three full days trying to resolve this to no avail. All I received was lobotomy type responses from all of their terrified employees to go off script and try and help. We did run into trouble and did need to get towed to the tune of {$1300.00} ( see attached receipt ). BofAs draconian, arbitrary, greedy hold policies turned what was supposed to be a beautiful trip into a XXXX nightmare. This has to be a violation since I have the hold notice that was not honored and through no fault of my own. The cash was not actually in my account until XX/XX/XXXX @ XXXX XXXX in the morning.
Product: Student loan

I have only federal student loans from XXXX and XXXX XXXX  I have been enrolled in PSLF since XXXX. In XX/XX/XXXX I consolidated all of my loans to take advantage of the IDR one time account adjustment. I then applied for the SAVE repayment plan on XX/XX/XXXX. Student loans website said that application was completed on XX/XX/XXXX, it said I would owe {XXXX} a month. In XXXX and XXXX, I like many other millions of people was put on administrative forbearance. As per 34 CFR 685.219 ( c ) ( 2 ) ( v ) ( H ), periods of administrative forbearance should be counted towards PSLF when you are at a qualifying employer, which I am. The forbearance is set to end on XX/XX/XXXX. On XX/XX/XXXX, I log into my Mohela account and find that my bill is actually {XXXX}, which is MORE than {XXXX} if i can do the basic math. I also found out that i was not on the SAVE plan, but on the LEVEL plan. Which not only doesn't count towards PSLF but is XXXX higher than what the payment should have been. I called MOHELA on XXXX XXXX, XXXX, and while they said they could elevate the payment count issue with the administrative forbearance, they could not help me with the SAVE plan and i needed to call student aid. So i called student aid. They told me that their records show the information about my SAVE application was sent to MOHELA on XX/XX/XXXX. They recommended that I resubmit the SAVE application, which i did. They also contacted MOHELA to get this sorted and then told me to file a complaint on their website. I am filing a complaint here because MOHELA is a loan servicer and both MOHELA and student aid, have no clue what is going on, and it puts my livelihood and the livelihood of millions of people in jeopardy. CFPB, congress, and the public needs to understand what is going on, because its not getting resolved any time soon and the government is continuing to co-sign loans for XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am having problems with establishing my login account with Experian. I have used their telephone service and web pages to establish an account. Each time I enter correct data and get a message that they can not process my request because of system problems. 

I tried to obtain a Credit Report from them to review the Phone Number, Zip Code and Mailing Address they are using. I suspect they have contrived data from my father who is XXXX XXXX XXXX ( XXXX ) or my son who is XXXX XXXX XXXX XXXX. We have all shared common addresses over the years. 

I am beyond words with their supposed customer support. It is not possible to talk to anyone. All calls are robotic and limited in capability. Web Sites do not offer corrective actions and are dead ends. I do not have issues with XXXX or XXXX. 

This problem has been occurring on Freezes and UnFreezes. It has been ongoing from XXXX  every since they went from PIN Numbers to login accounts.
Product: Checking or savings account

I finally received an EIEL Loan, after nearly a year. When the money was deposited to my account, I started paying off debts, etc. For the last year, my brother has been paying my bills and leant me money as well. I wrote him a check for {$13000.00}. We both bank at SunTrust Bank. This should not have been a problem. The next morning my account was frozen, and later, terminated. No explanation given. I spoke with at least 20 people with SunTrust, no one knows anything ... .. someone initiated this action, yet no one knows anything. My life has been turned upside down ... .. they say an explanation will be given, only after a review. I have no access to money, no credit card. I have bills, just like everyone else. This is the kind of stuff that happens in third-world countries. Anything you can do, would be appreciated. Thanks, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding inaccurate information on the XXXX Report for auto insurance reports. Im account holder, but incident report is under my wife XXXX, but incident happened with our daughter XXXX. However the issue isnt the name its under but inaccuracy of report! Report is for XX/XX/XXXX and has us At Fault for nearly {$6400.00}. The truth is, it is a XX/XX/XXXX and only for {$2100.00}. It is impossible for me to talk to someone at CLUE. I want this fixed ASAP on the report. And truthfully, they should reimburse me any fees this inaccuracy cost me regarding yearly rates for 3 years! See below XXXX XXXX, I do not have access to review the XXXX report, but I can confirm that the only amount paid for this claim is {$2100.00} for your vehicle repairs. 
You may provide this email as proof to your new insurance carrier that this is the only amount paid for this claim. 
I am copying your agent and detailed response has been provided below. 

From : XXXX, XXXX Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX Subject : XXXX Good Afternoon, The assigned adjuster is out of the office. 
I have reviewed the claim and here is the information : Date of loss XX/XX/XXXX Driver XXXX XXXX driving XXXX XXXX XXXX loss occurred in parking lot area, backing and hit other vehicle also backing. We confirmed with both drivers that they did not see each other prior to the impact. Liability was finalized XX/XX/XXXX for each party. 
Appears adjuster spoke with XXXX XXXX to advise the same XX/XX/XXXX We denied the claim for the other persons damages. 
Payment for insured vehicle repairs $ XXXX {$500.00} = {$2100.00} paid to XXXX XXXX XXXX body and XXXX XXXX XXXX 
The claim is now closed. 



XXXX XXXX Claims XXXX XXXX Complex Senior Representative P : XXXX www.grangeinsurance.com
Product: Debt collection

I resolved this issue with XXXX XXXX XXXX already and settled to pay around {$300.00} for a {$570.00} collection. My boyfriend had destroyed the phone and I ended up homeless for months afterwards and didn't pay it for quite some time. The company took my account number to my XXXX Bank account or XXXX XXXX ( I do not have this account any longer so I am unable to provide the statement since it's been a couple years ). They took the payment out and they agreed that it would be removed from my credit score. I went to dispute it because it showed up again on my credit report saying that I owed money once again, it disappeared finally, nowhere to be found for months so I figured that we were done with this situation, and once more it has reappeared on my credit as of XX/XX/XXXX which is significantly impacting my credit score at this point. It has been paid and it was supposed to be removed but it looks like the name of the company has changed as well. If I dispute it again, I want it removed from my credit like it was promised and I don't want it popping up again with a different company name. I will not be paying to settle it again since I have already paid the amount. I will also not be using XXXX XXXX XXXX ever again either because this has been such a huge hassle
Product: Credit reporting or other personal consumer reports

I filed an Equifax dispute in early XX/XX/2023 on a collection that I found on my credit report. I received a letter dated XX/XX/2023 from XXXX XXXX XXXX XXXX a debt collector that reported a {$280.00} XXXX XXXX debt to my credit. The name on the bill and letter is not me and it belongs to someone in another state with a different address. I contacted XXXX XXXX after filing my Equifax dispute. I was informed by the agent that I had to wait until the dispute process was over. I explained to the agent that the debt belongs to a different person and I wanted it removed immediately. I received the results from the Equifax dispute dated XX/XX/2023. The results stated, " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. '' How is this possible when I never had a dish network account and the person on the bill is a female. I filed another Equifax dispute on XX/XX/2023 and I attached the documents again proving I am not the person they are looking for. I contacted XXXX XXXX again on XX/XX/2023. The rep confirmed that the address and name on the account was inaccurate. Then he stated that he can not discuss anything on the account since the account does not belong to me. I asked them to get this debt off my credit immediately. He stated that I would have to call back the next day because he did not know how to fix the issue. I contacted Equifax right afterwards. The rep told me that I would have to wait on the results on the new dispute. I explained to him that I already filed a dispute and they somewhat " Verified '' this debt belonged to me which was impossible. All he did was repeat the same thing of wait for the results and file again if I felt it was inaccurate. This is poor customer service from both parties. Both sides are reporting inaccurate and fraudulent information my credit that has impacting me for months.
Product: Credit reporting or other personal consumer reports

Equifax is reporting a 30 days late payment in XX/XX/XXXX for XXXX  XXXX XXXX  XXXX. I have reported this late payment multiple times as invalid, inaccurate and a mistake that should not be on my credit report. Equifax has claimed they've investigated the reported information and found it to be accurate. On XX/XX/XXXX, I sent a letter to Equifax challenging their dispute results and requesting a detailed description of the method of verification used to validate the reported information as required by Section 168i ( a ) ( 6 ) of the Fair Credit Reporting Act. Equifax did not provide this information and it has now been 30 days.
Product: Mortgage

I NEED MORE TIME I moved here from XXXX, WA. I've been robbed by a Tax Preparer, 2 Car Dealerships and now by a Bank that had nothing to do with me. The court Judges could care less about the truth, they only care about the Business Owners ; therefore, if don't fall in that category, you're wasting time and court fee money. I've lost over $ 500k due to Business Owners quick talking scams and what seems to be South Carolina Judges receiving some sort of compensation. I wouldn't go to court without supporting documentation, but SC Judges don't seem to have time to review in order to pass fair judgment. I've lived here since XX/XX/XXXX, now I'm told because XXXX  scammed me, I don't have rights unless I hire a Lawyer. If I don't have a Lawyer, my family and I will be put out in the Street in 21 DAYS. I contacted the SC Bar Legal Referral Service, I called the office I was referred to and found that the Lawyer is on XXXX  Leave with his wife. I NEVER had any business with the Bank that sold my home, based on a 2nd Mortgage I never received. I contacted XXXX XXXX, and their Servicer and they had no knowledge of a 2nd Lein Holder. So tell me, HOW THE HECK WAS I SUPPOSED TO KNOW? I started here with XXXX, I was kept in the dark after I spent my thousands of dollars. How can anyone move in 21 days from a home they've lived in for 14years?

I desperately need for someone to intervene with this unfair Judging in this State, with ALL DUE RESPECT. If nothing else, help me get more time to find another place to live and money to pay for it.

I had 1 loan from XXXX. XXXX  sent me a letter telling me what I owe once they took over XXXX. XXXX XXXX XXXX XXXX sold my home claiming I had 2 loans from XXXX. XXXX sent me a Copy the Note.

On XX/XX/XXXX, I was given 21 Days to move out of a home which we have been living in since XX/XX/XXXX. I was informed it was sold due to failure to pay on a 2nd Mortgage, but I only had one Mortgage on this home. I spoke with XXXX XXXX Reps and XXXX   Reps, and every Rep informed me that XXXX XXXX, is the only Investor.

PLEASE HELP ME!!!! Ive reached out to XXXX XXXX and was finally told to contact XXXX XXXX XXXX XXXX. Ive never had any dealings with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX sold my home on a 2nd Mortgage which XXXX XXXX, XXXX XXXX, XXXX, nor myself had any knowledge of after XXXX XXXX took over XXXX. I've reached out to a Lawyer through XXXX, but was told he is on XXXX  leave with his wife ; therefore, I didn't receive a return call. I only have a few days and, I only need someone to contact the Judge for more time to move. It's not going to be easy to move 13 years of life in 21 days. I continued to contact a XXXX XXXX Rep, for information regarding what was going on, but they didn't give me any information until after the house was sold by XXXX XXXX XXXX XXXX XXXX.

Respectfully, XXXX XXXX
Product: Credit reporting

I have been disputing a debt which is not mine for months that is showing in my credit report as XXXX account number XXXX. I have written to XXXX several times at the address provided in the report, which is XXXX XXXX XXXX XXXX, CA XXXX. It turns out that this is an incorrect address for XXXX and has not been valid for years. This has cost months of delay in this process and Experian will no longer take a dispute for one reason or another. And I can not clear this up with the creditor since Experian does not list a vaild address, which I believe is the responsiblity of both Experian and the alleged creditor to have valid contact information listed under the FCRA.
Product: Mortgage

In addition to the response from the lender/servicer, we were advised that the lender/servicer would take into account the documentation requested to increase our income. In addition, we provided documentation regarding the status of the SS XXXX claim for which my husband has counsel. Attached is the correspondence from them, claiming permanent XXXX income for my husband, which is pending hearing. In addition we forwarded to our counsel on the foreclosure case, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, the response of the lender/servicer directing us to contact XXXX XXXX, XXXX, This response was also given to you on our previous complaint case # XXXX. Our attorney attempted to communicate with said attorney, with no response back from her regarding the review of our loan modification application. In the last few days, we found out that XXXX XXXX had not been returning the correspondence, and telephone inquiries, as she was not longer with the Plaintiff 's law firm, and new counsel has been assigned. My husband 's condition has worsened, and the claim for permanent XXXX is pending before SS and is based on my husband 's prior income. We are certain that with my additional income, and my husband 's XXXX that we will qualify for a loan modification. We have not been given a fair opportunity to make proper application and the documentation of my increased income has been ignored by the lender, and each time proof is submitted, the increases are subracted, rather than added to the total income amount. We believe that our application has not been given fair review, and we are filing this complaint. The trial date we have of XX/XX/2016 needs to be postponed to provide adequate time for a fair examination of the income, for the increases of mine which I have provided, and for Social Security to determine the monthly permanent XXXX amount. 
Again, we were assured that the XX/XX/2016 denial would be reviewed with the documentation submitted to prove a greater income stream, which was previously ignored. This was the reason why they needed more time yet no such review was in process which meant they were not truthful to the court and to us. We need your help to be given a fair and honest chance to keep our homestead.