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

I am writing to dispute the recent reporting of an account on my credit report under your company 's name. It has come to my attention that this account, XXXX, was previously reported by your company under a different name over XXXX years ago. 
First and foremost, I want to assert that I have never had an account with Stellar Bank, the name under which this account is currently being reported. Therefore, the re-reporting of this account under a different name raises significant concerns regarding the accuracy and legitimacy of the reported information. 
According to the Fair Credit Reporting Act ( FCRA ), negative information such as delinquent accounts should be removed from a consumer 's credit report after seven years from the date of the delinquency. It has been brought to my attention that this account has now been re-reported by your company, albeit under a different name, thereby extending the negative impact on my credit report beyond the legally mandated timeframe. 
Furthermore, this practice raises concerns regarding compliance with FCRA guidelines and the accuracy of credit reporting. The re-reporting of the same account under a different name suggests an attempt to circumvent the statute of limitations on credit reporting, which is both unfair and in violation of consumer rights.

I request that you investigate this matter promptly and provide clarification on why this account has been re-reported under a different name after the initial reporting period had elapsed. Additionally, I urge you to cease reporting this account on my credit report and take appropriate steps to rectify any negative impact it may have caused. 
Please provide written confirmation of the actions taken to address this dispute and ensure that my credit report reflects accurate and fair information in accordance with the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 




Account info Account name XXXXXXXX XXXX Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$270.00} written off. 
Status updated XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1000.00} Highest balance {$1000.00} Terms - On record until XX/XX/XXXX Account info Account name STELLAR BANK Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Open. {$250.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$160.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$0.00} Original balance {$1000.00} Highest balance - Terms-
Product: Debt collection

On Numerous occasions I have sent letters to the credit reporting agencies asking that these debts be validated and to no avail my letters were ignored and updated on my credit report! I have asked the agencies and the debt collection agencies through written communication to either validate these debts and/or remove them from my credit report and they have not responded nor have they deleted these accounts from my credit reports! and they are as follows : XXXX XXXX XXXX for {$320.00} Reporting on XXXX ACCT # XXXX Merchants and Medical for {$320.00} reporting on XXXX ACCT # XXXX Lanier Collection Agency {$280.00} reporting on XXXX ACCT # XXXX XXXX XXXX XXXX {$1400.00} reporting on XXXX and XXXX ( XXXX has deleted this account from my credit report ) ACCT # XXXX XXXX XXXX XXXX {$640.00} Reporting on all three ACCT # XXXX AFTER DOING MY DUE DILIGENCE AND RESEARCH I FOUND THAT MERCHANTS AND MEDICAL AGENCY IS NOT LICENSED IN THE STATE OF FLORIDA TO ATTEMPT TO COLLECT A DEBT FROM ME NEITHER IS THE LANIER COLLECTION AGENCY AND XXXX XXXX XXXX LISCENSE IS EXPIRED! 
NONE OF THESE AGENCIES HAVE RE4SPONDED TO ME IN THE LAWFUL TIMEFRAME AND THEY HAVE NOT SENT ANY CORRESPONDENCE TO VALIDATE THAT THESE ACCOUNTS BELONG TO ME!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am someone with perfect credit history & uses my checking account on a weekly basis but this did not stop chase bank from holding my money for over 3 yes 3 WEEKS stating my account at first was pending until the Wednesday of the following week only to close my account with no explanation it has been already 2 week since that date & they still have yet to send me the check from the couple thousand I had in there it is now Saturday night & the rep I spoke to on the 24hr hotline was the one who informed me the check has still not been sent?! Then once the check sends they say it takes 7-10 buisness says so they put my account on hold for 2 weeks only to close it unbenouned to me & then they are taking a week or more to send the check making this 3+ weeks of waiting for MY HARD EARNED MONEY I have been a customer for over 8 years with no issues they have also made it impossible to access previous bank statements which are needed stating I need to waste more of my time they have already stolen from me to go into a branch to speak to them
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the appearance of several unauthorized accounts and inquiries on my credit report, which I have determined to be the result of identity theft. Under the Fair and Accurate Credit Transactions Act ( FACTA ), Section 605B, I am requesting that these items be blocked from my credit report as soon as possible to prevent further damage to my credit history. 
The following accounts were opened fraudulently without my consent or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please note that all the above creditors have already been notified about this incident. As per FACTA Section 605B, I am requesting that these fraudulent accounts, along with any associated records and inquiries, be blocked from my credit file. The action is to be taken within four business days of receiving this documentation, preventing these items from affecting my credit score and from being used in credit decisions.
Product: Credit reporting

XXXX did not have a permissible purpose when it made an inquiry of my Experian credit report on the following dates : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Please have Experian explain what permissible purpose that XXXX XXXX had when it accessed my sensitive financial information and to provide any documents to support their reason.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX XXXX XXXX XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Dear FCRA Consumer Assistance, I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the account under the name XXXX with account number XXXX. Additionally, I am disputing a duplicate account under the name XXXX, which is also reporting the same account number ( XXXX ). The current reporting by the FCRA is in violation of the Fair Credit Reporting Act ( FCRA ), and I kindly request a reinvestigation of these discrepancies. 
I have carefully reviewed my credit reports from XXXX and Equifax, and I have identified several inaccuracies that are negatively impacting my creditworthiness. The discrepancies are as follows : Date of Last Activity : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Equifax Duplicate XX/XX/XXXX Date Opened : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Equifax XXXX no date reported Balance Owed : XXXX : {$710.00} Equifax : {$1000.00} Equifax Duplicate {$710.00} High Balance : XXXX : {$710.00} Equifax : {$720.00} Equifax Duplicate {$710.00} Payment Status : XXXX : Reporting as Collection Charge Off Equifax : Reporting as Late 120 Days Last Payment Date : XXXX : not Reporting Equifax : XX/XX/XXXX Equifax Duplicate : XX/XX/XXXX These inaccuracies not only misrepresent the true status of the account but also violate the FCRA guidelines. The discrepancies in the reported information have had a detrimental impact on my good name, character, and my ability to qualify for new credit. 

I believe that the reporting by the FCRA is inaccurate and in violation of the Fair Credit Reporting Act. 
I am formally requesting a reinvestigation into the aforementioned discrepancies and, if found to be inaccurate, the immediate deletion of the inaccurate information from my credit reports. Furthermore, I question the reliability of the furnisher of this information, as the discrepancies are substantial and affect my creditworthiness unfairly. 
I appreciate your prompt attention to this matter and request that you inform me of the results of the reinvestigation at your earliest convenience. Thank you for your assistance in rectifying these inaccuracies and ensuring the fair and accurate reporting of my credit history. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 


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 XX/XX/2023 XXXX  XXXX XX/XX/2023
Product: Credit reporting

I get an account with Consumer Adjustment who already payoff and was supposed to be closed and still showing open with all XXXX credits bureaus.My last payment was made on XXXX it 's over a year past and still showing open account.
Product: Credit card

I booked a hotel for a funeral last XX/XX/year> at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Texas. I booked through i guess was a third party. The amount was for XXXX and i used my citibank double cash credit card to make the purchase. I then realized it was cheaper to book through the actual hotels website so i called the third party to cancel. They told me they would send a letter to the hotel and as long as the hotel signs and approves the refund i would receive my money back. I then booked directly with the hotel. Upon checking in we discovered poop all over our floor and blood stained on our sheets. They didn't have another room to provide to us or staff to clean the room, or extra bedsheets. So we ended up requesting a refund directly from the hotel as we could not stay there it was uninhabitable. The hotel gave us a full refund. Weeks later i still noticed i was charged from the third party so i contacted the actual hotel and they stated they sent the refund letter to the third party. I called citibank to dispute the charge. I sent them the documentation of the room confirmation, the photos of the uninhabitable room and explained what had happened.. It has now almost been a year and they are still saying the third party refuses to refund us. I called the third party and they said because i filed a dispute they refuse to refund me even though we didnt stay at the hotel, they were provided all the pictures and the hotel signed the refund letter. I do not know what to do but i want my {$560.00} back. I am completely enraged that my own credit card company doesn't have my back! I am the consumer! 

The third party phone number is XXXX and my confirmation # is XXXX
Product: Payday loan, title loan, or personal loan

I receive. XXXX from Affirm of a purchase done on XXXX and the amount was {$200.00} + interest = {$200.00} payment to be made in 4 payments of {$69.00} I contact affirm via their Application after being on the phone with them 72 times and 4 months later the confirm I dont own any money and the sale was never been made on XXXX But affirm report to the credit bureau a open account and late payment, and my credit dropped XXXX points and now I have a bad credit, I have contact XXXX, XXXX and XXXX but they telling me Affirm keep adding this incorrect information to my credit and is nothing they can do
Product: Debt collection

I recently file a complaint with the consumer financial protection bureau on XX/XX/2021 against Portfolio Recovery Associates. At this time i request a cease of all written and oral communications and gave a list of violations under Fair Debt Collections Practices Act. At which stated each violation is 1000.00 15 usc 1692k ( a ) ( 2 ) ( a ) and to verify this alleged debt 15 usc 1692g. Portfolio Recovery Associates did not remove collections while in dispute from my consumer file with the credit reporting agencies under Fair Credit Reporting Act 15 usc 1681i ( a ) ( 1 ) ( a ). 
I was sent a summons though the mail in feburary that I was being sued in civil court in XXXX and another statement for payment which their main offices are located in virginia which is a violation per federal law to sue someone in another state. 
Which is violation of previous agreement from response to cfpb and a letter was sent to me though mail to cease all communications 15 usc 1962c ( c ) and 15 usc 1692c ( c ) ( 1 ).
Product: Mortgage

Loan Care acquired the servicing on my loan in XX/XX/XXXX. To date, I have been unable to access my account online to set up monthly auto pays. I have called several times only to be told the website is down. I have had to complain vigorously for them to take a phone payment from me AND ALSO waive their phone payment fee of {$15.00} and the fee for paying after the 4th business day after the XXXX of the month. Tonight, When calling again to inquire about their website issues, I was told the site is not down but that Loan Care 's site is not compatible with APPLE/Safari. Nowhere on their statements or web site does it give this warning. I am again after the 4th business day and have had to argue about their attempt to charge me to process on-line and auto draft payments from my savings account. Their fees escalate even higher on the XXXX day. This is a de facto late charge being assessed and does not agree with my note which states payments due on the XXXX and can not be considered late until after the XXXX. I have never been charged by a mortgage servicer for a payment process that is lower in cost and more efficient than mailing checks which is apparently what they want me to do to avoid their inappropriate late fee assessment. I respectfully request CFPB to instruct the servicer they can not charge me fees for " on time '' payments. The web site issue is another sneaky way for them to catch an unwitting consumer in their process which all seems designed to funnel borrowers into paying additional fees to make on time payments, probably to make up for lost float on payments coming in after the XXXX of the month. That 's probably why they increase after the XXXX day but still before the XXXX day when a late charge is legitimate and permissible per the note ). This is the worst mortgage loan servicer I have encountered in over 30 years and multiple mortgages! Check the online complaint logs ... they are horrible, broadly speaking!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three problems that occurred : 1 ) My mortgage company, New Rez, changed the amount of my monthly payment without informing me. ( escrow related ) 2 ) It ends up my mortgage company changed the escrow amount because they took it upon themselves to contact my homeowners insurance company and pay my insurance even though that item was not in escrow. 

3 ) I didn't find out about the monthly payment change until 30 days AFTER the payment was due. They sent me a letter on XX/XX/XXXX which I did not receive until XX/XX/XXXX for the payment due on XX/XX/XXXX, at which point I immediately got on the phone and fixed the issue. I never missed or skipped a payment. Then the mortgage company had the nerve to report my payment has 30 past due, which caused my credit score to drop by over 100 points. It's outrageous.
Product: Money transfer, virtual currency, or money service

Want all money that was reported and never got back!!
Product: Debt collection

On XX/XX/XXXX, received yet another notice as well as many telephone calls over the past months, XXXX continues to harass me via phone and mail and refuse to cease and desist. I am now going to file legal action against them as well as join a Class Action suit against them. 

Since XX/XX/XXXX to present, I have asked them when they call to stop calling and also returning their notices to them demanding they cease and desist. 

XX/XX/XXXX.XXXX -Called the XXXX number and spoke with XXXX at XXXX stating that I am receiving notices and harassing phone calls from them and I want it to stop. XXXX stated it would stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked that the credit agency remove negative collections accounts from my credit report because they have no right or permission to collect from me. From XXXX to XXXX of 2022, I have been going back and forth with this agency. I sent the agency the following letter : I, XXXX XXXX, am requesting these items to validate the collection of this debt on my credit report : -notarized, original contract with XXXX XXXX XXXX XXXX with my signature XXXX XXXX XXXX XXXX information : name, address, phone number -payment history, itemized billing associated with the account -proof of ownership : proof that XXXX XXXX XXXX XXXX is actually authorized to collect the debt from me You have 30 days to send information. This debt must be removed if items can not be verified. If you do not follow, you will be reported to the Bureau of Consumer Protection, will be found in violation of correctly validating this debt, and fined {$1000.00}. 

They have failed to remove the following collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I received my Annual PMI Disclosure dated XX/XX/XXXX stating how to have PMI removed. It states I need to submit a request for cancellation and provide evidence of value with my request and where to submit it. 

When I called today XX/XX/XXXX to verify my loan qualifies and to confirm the address where to send it I was told that I have to pay them a {$190.00} fee for this. No where in the paperwork from Pennymac I have discloses any fee. When escalated to management, I was told this was disclosed at settlement and it is a closing fee. 

I told them I bought this property 11 months ago and closing was already completed and this fee to remove my PMI is not disclosed anywhere. Then I was told to go to XXXX XXXX website and its listed there. 

Again this is a fee I never agreed to and was not disclosed to me. I have paperwork from them and it is not on the document with instructions on the process.
Product: Credit card

I have a credit balance of {$190.00} that has been sitting in my account for months as I overpaid when paying off my entire bill. Bank of America will not refund my Money. I want to receive my {$190.00} refund and close my account. I have read other customers had the same issue as Im having. 

They continuously sent me statements informing me of a credit balance but do not send me a refund for the amount listed above.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Has been provided with personal information regarding my credit Profile without my consent. They claim to represent XXXX XXXX which I do not owe any money .they have used this information to hurt my credit I need them to stop as I research the damage to my personal credit. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO. XXXX has obtain my private personal information without my written consent and used this to hurt my credit. 
XXXX XXXX XXXX another debt collector using my personal credit profile reporting inaccurate information and intentionally hurting my credit again I have not given written consent for them to use my private information they have hurt my credit and it is beyond repair. 
XXXXXXXX XXXX XXXX XXXX XXXX  XXXX OR. XXXX Has provided my personal information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX a debt collector that has illegally and with total dis regard mishandled my private information and hurt my credit. I have included more.
Product: Mortgage

We had a loan with OCWEN which was a nightmare and they transferred to PHH- can not believe its worse. The website is very slow to load, if it does at all. There appears to be conflicts in mailing addresses, and if it finally loads and you can get to where to make a payment it comes up with sorry, not now. As I said, unclear where to send a payment. I just setup an auto deduct and when finished says will start XX/XX/XXXX, not XXXX And I set it up for XXXX, just to try to get it paid. 

All this because Ive spent hours and hours and three months trying to get my loan PAID OFF. About three weeks ago I finally found and faxed the form to request the payoff amount and closure of line of credit. Nothing back. I am terrified that even if I can ever get them to take the money I will never get the lien removed. 

My husband and I are both XXXX seniors, he is a XXXX era veteran. To spend all summer spinning wheels and going nowhere for something that seems like it should be so simple ( give me the amount, how you want it sent and clear the HELOC ). 

Ive even talked with a couple of lenders thinking I may have to take out another loan to get out of this so I can pay that off to get clear-but that just doesnt see right.