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

Re : Request for Blocking and Removal of Fraudulent XXXX XXXX Credit Card Account from Credit File To Whom It XXXX Concern : Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? I am writing to formally request the immediate blocking and removal of the fraudulent XXXX 's credit card account from my credit file, as it was opened without my authority and knowledge. This unauthorized account is in direct violation of my rights as a consumer to have accurate and updated creditor information reported on my credit file, as guaranteed by the Fair Credit Reporting Act ( FCRA ) XXXX XX/XX/ I filed a completed report with the Federal Trade Commission ( FTC ) and submitted a police report regarding the fraudulent opening of the XXXX 's credit card account. As such, I have taken all necessary steps to report this unauthorized activity and have provided the required documentation to support my claim. Experian failure to block and remove this unauthorized account constitutes a violation of my consumer rights. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and to have such information promptly corrected or removed. By neglecting to take action on this matter, Experian is infringing upon my rights as a consumer and is failing to fulfill its obligations under the FCRA. This letter serves as my second formal request for the immediate removal of the fraudulent XXXX 's credit card account from my credit file. I demand that Experian takes the necessary steps to block and permanently remove this account within the legally mandated timeframe. Failure to do so will leave me with no choice but topursue legal and civil action to ensure that my rights as a consumer are upheld and that I am not unfairly burdened by inaccurate and unauthorized information on my credit report.I expect a prompt response to this request and confirmation of the removal of the unauthorized XXXX 's creditcard account from my credit file. Please provide written documentation of the actions taken to address this matter. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately Accounts : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  reported that I had a at fault accident when it was a not a at fault accident.
Product: Vehicle loan or lease

XX/XX/XXXX I was under the impression I was entering into a consumer credit transaction for a used XXXX XXXX XXXX with XXXX XXXX. A few weeks later I began to receive emails from Bridgecrest Corp requiring all documentation and communication be done by email only and demanding I pay an alleged car loan. I began receiving harassing calls and emails. Bridgecrest stole my personal information and began reporting false information to the consumer reporting agencies. I sent validation of debt documents in XX/XX/XXXX with no other response but to pay the alleged debt. They have harassed me as well as had multiple repossessions occur within the last year. I have kept record of the identity theft as well as the violations according to XXXX XXXX XXXX and am now demanding my restitution.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following items : 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 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 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 XXXXXX/XX/year>
Product: Debt collection

Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore, provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. 

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number.

As stated above, send me all five items, which are my right to receive. Contact me through the United States Postal Service only. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive made several attempts all with the same result of them sending a generic we have determined this debt is yours without addressing it in a real manner. Im moving forward with attorney XXXX in suing under the FCRA, there were other errors as well that will be listed in the suit. Additionally I was unable to secure a mortgage in time so that will be added to the damages section of the lawsuit. Was hoping you can send me any information or correspondence you have had with equifax regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX Please delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit freeze with TransUnion. On XX/XX/2021, I lifted the freeze for the purpose of obtaining credit. A day later, when I attempted to open the new account, I was not able to and was told my TransUnion file was frozen. I thought I had made an error, so I tried once more. 

This time I lifted the freeze for three full days ( XXXX XXXX ). I returned to the store on XX/XX/XXXX and attempted to open the new account. Once again the credit check failed because my TU file was frozen. Although I have confirmation that the freeze was lifted, the credit check was stopped again. 

I found myself in a busy store, surrounded by strangers, on the phone having to repeat sensitive information to a credit representative at the company where I was seeking the account. I was able to obtain the new account, but the experience of reciting my personal information aloud in a crowded store was highly inappropriate. 

I have tried to contact TransUnion to learn what the issue was. I managed to reach a human by contacting the technical issues number, and the woman I spoke to, XXXX, was irritated that I had called that line, since my question was, in her words, " not my job. '' She transferred me to another line that offered only automated choices, none of which allowed a consumer to ask a question. I tried several of the automated selections for assistance, and each time ended up back in the loop with no option to speak with a representative.
Product: Credit reporting or other personal consumer reports

They told me in XXXX they would only to a soft credit check for an additional card that was a lie they did a hard inquiry next Ive never Been late they reported me late last month and Ive never paid late with them they took back the fees but my credit takes that hit
Product: Mortgage

We are currently a small business we currently have a mortgage with Wells Fargo bank for the past several years. Our interest rate is at XXXX We have been trying to refinance our home with XXXX XXXXd a broker for the past year, using several lenders but have been unsuccessful..due to our debt to income ratio. Our credit score for my husband and I are both in the XXXX 's we have been paying our mortgage weekly for years we have very little debt. We did not stop manking any payments during covid pandemic. All we are trying to do is lower our monthly payment and take advantage of the low intetrest rates. Thata it! Bu because we are a small business and on paper it shows our bebt to income does not qualify us. Its so frustrating to see all.these programs out there stating they can help us but when we try we get denied. Our home is worth XXXX and we only owe XXXX. XXXX did say they would help if we stopped making our payments and modified our loan which makes no sense to me. I don't want to default on my loan and will not. So they will only help if we stop paying. This make absolutely no sense. There has to be some sort of help out there.
Product: Credit reporting or other personal consumer reports

I sent Experian, Equifax, and TransUnion letters questioning their own reporting standards and I have yet to receive a response. 30 days has passed and yet no activity or deletions has taken place. Experian claim that they are not moving forward with a reinvestigation which is negligence and violation of FCRA and my right to equal protection of the laws. Equifax sent no response at all and Transunion were notifying me of investigation status, but still no response. 
They have all been fined and sued for these same acts and I have a right to 100 % fair and accurate reporting and my right is being willfully violated I've attached the letters that were sent below.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Hello, On XX/XX/2020 I have made a closing on my house mortgage with Bank of America as a lender. The problem I have with the deal is that the very last moment, on the day of closing, they failed to deliver a special credit/grant money in the amount of {$7500.00} which was promised to me all the way through the application process. 

This is my story : Between XXXX and XXXX this year I had been shopping for a lender for my mortgage. By XX/XX/XXXX I was down to 2 lenders, XXXX XXXX  and Bank of America. Both were offering me very similar deals. 

On XX/XX/XXXX, BofA informed me in writing that my property is eligible for additional {$7500.00} grant money. This huge change made my decision to start application with this lender, while still trying to get better deal with XXXX. 

While mortgage papers were in process, by XX/XX/XXXX I clearly was understanding that XXXX would not be able to match grant money offer from BofA and I proceeded with BofA as my only lender. During multiple phone conversations with BofA rep, he was assuring me that my grant money will be available and it is not a question of if, but when. 

BofA was working on the grant money papers until the very last minute even on the day of closing. Then, on the day of closing, just before leaving home to go to the closing meeting, I received a phone call from their rep that this credit would not be available to me. The reason was that since the last written/verbal commitment from them and before they locked my final interest rate ( took about 1 business day ), the rules of the program have changed and now it requires income verification, which doesnt qualify me since my income is higher than whatever limit they have. 

I was outraged to hear such news from my lender on the day of closing that I am going to pay {$7500.00} extra at my closing. This money was the ONLY reason I chose them as my mortgage provider. They apologized and said that nothing else they could do. That I could proceed with them as a lender or choose different lender ( XXXX ). Obviously, I had no time to change lender as this is not a 1 day process and I would be charged $ XXXX/day for any delay on closing. So I went ahead and closed the deal with BofA the same day. 

I feel nasty about the whole situation that I did not receive {$7500.00} from the bank which clearly stated in their e-mail and phone conversations that I would get the money. 

I would like to know if there is a chance for me to hold BofA by their word and legally get a compensation for such a miscalculation from their side. 

P.S. I want to note that BofA never officially, using signed form or whatever, confirmed that I would get the money. The only proof I have are e-mails and phone calls ( no recordings ) from their VP that I WILL get the money. 
Also I would like to mention that during paper process they asked me to sign a form stating that I may be eligible for grant money while simultaneously the person was assuring me that the money will be mine and that form was just a formality. 

I can provide the form I signed and the e-mails I received if necessary. 

Thanks,
Product: Mortgage

My husband is a XXXX veteran XXXX. We bought a home in Oklahoma In XXXX XXXX, At the time of closing we took our documents showing that we are tax exempt in the state of OKlahoma from property, Sales Tax, Excise, Etc : we had a letter from the VA stating the fact that we have been tax exempt since XXXX, The Title company said we had to wait to close then take the information XXXX which we live and get a form filed and is on file XXXX. We sent this information to the Mortgage Company that had the Mortgage at closing they refused to accept the documents saying that they did not have time the proper time to get the documents into there system. They sold the mortgage in XXXX XXXX to freedom Mtg. I sent the first payment minus the taxes. They refused to accept the tax forms that we legally have. They cashed the check but would not apply the amount to the account. Then I sent our payments every month on time they still will not accept the tax exempt status and have threated to forclose on our home. They finally applied XXXX payment resolved the tax issue for the month of XXXX lowered the payment for XXXX XXXX but still have not applied the payment to our account even though we paid more than what the payment was suppose to be. They said we have to make the XXXX Tax payment or they are going to take our home. Freedom Mortgage has all the paper work and document show we have been tax exempt in the state of Oklahoma since XXXX, They have reported that we have not made our payments on time to the credit bureaus. They sent us a letter saying that they removed this information but they keep adding it back to the credit report each month. I have tried talking to these representatives every month. everyday they have called to tell us we have not made our payments when we know the check has cleared the bank. They refuse to do anything about the issue. They said that we are in the wrong. Freedom Mortgage is causing a lot of stress in our life. They have three months of pre paid taxes and the taxes for the month of XXXX that we paid to the first Mortgage company. They want XXXX taxes or they are going to sieze our home. we keep getting late fees, inspection fees, and any other fees they deem they want to add. Please do something to stop this madness. IF we have to hire an attorney then tell us that is what we need to do.
Product: Checking or savings account

On XX/XX/2023, we were balancing our XXXX statement and saw a charge that was fraudulent. This charge was for the amount of {$1200.00} as an XXXX withdrawal from XXXX on XX/XX/2023. We immediately advised our bank who advised that they would look into and open up a dispute. 

Mountain America Credit Union advised us that due to their XXXX  rules and policies, they would not be able to refund us the monies as they had a TRACE ID that connected the charge to XXXX and we would need to consult XXXX for the refund of monies. 

We contacted XXXX who advised that the charge did not come from them of which they provided us additional documentation stating such and advised us that we would have to open up case with Mountain America Credit Union. We provided the documentation directly to Mountain America Credit Union and they advised that they would not do anything for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

A week ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that it is not mine. It could also be possible you are mixing up this account with someone that has a similar name as me.
Product: Credit card or prepaid card

On XXXX i made a ph pmt of {$1000.00} to XXXX from my checking. 

The pmt somehow was applied to the incorrect account ending XXXX by the Barclays. 

I made the pamt correctly their system mis-applied my pmt.
Product: Credit card or prepaid card

Today at  XXXX  I received and unknown call from  XXXX  which turned out to be Synchrony Ba nk J.C .Penny Collec  tions-  attempts to return calls to that number were met with silence. I then checked my voice mail and found a number to call  XXXX . Opinion- I guess they can claim I never called back? I spoke to  XXXX  who informed me I was past due. She never stated she was collections. I asked if my account was 30 days late. She hemmed a little then said NO! I asked her what amount I had to pay to be current and not late- THE MINIMUM DU E I asked h er for the correct amount and she again stated $  XXXX  which I asked again- I do not want the minimum I want the true amount- she  stated thats it-  {$35.00}. I paid that amount. Note- my prior complaints which impacted my CREDIT! She substantiated what I have been saying! I pay the amount they confirm is due YET tell me when I challenge that IS NOT THE CORRECT AMOUNT to be paid- that is a lesser amount! Of course you will do nothing that is why a new report. I have reached out and left a message to  XXXX  at  XXXX  ext-  XXXX  and I waiting a reply! I have attached the invoice,.
Product: Mortgage

On XXXX/XXXX/XXXX I mailed via CERTIFIED mail, the XXXX XXXX mortgage payment of {$990.00} to Ditech for loan number XXXX ( Addressed to : Ditech, XXXX XXXX, XXXX Ca. XXXX ) It arrived on XXXX/XXXX/XXXX and no one signed for it, it was returned to XXXX and then sent back to Ditech, it arrived on XXXX/XXXX/XXXX and no one signed for it. I called Ditech on XXXX/XXXX/XXXX after I discovered both payment we had sent via certified mail had not been signed for, XXXX ( ext XXXX ) could not say why. I went online and paid for XXXX mortgae, but as I am in a almost 2 year dispute with this loan ( They say the loan has a {$290.00} back owing, but they have never been able to point to where this originates from, and I have paid in full cancelled checks for every mortgage payment ), so she told me to hold on paying this XXXX and she would call me back. On XXXX/XXXX/XXXX I received a statement that says I owe {$3000.00} with {$700.00} in suspense, I tried to go online and make a {$990.00} payment for XXXX, but the electronic payment amount is prefilled in as {$1900.00} and will not allow a lesser payment, so it does not allow you to use the " Funds in Suspense ''. I called and left a voice mail for XXXX, who has never called me back. I also now have a late fee for the XXXX payment they refused to sign for. I do not owe anything but the XXXX XXXX payment as of this date AND that is ONLY because they did not sign for the certified mail. They have NEVER been able to explain where the {$290.00} originated from.
Product: Credit reporting or other personal consumer reports

This bureau has been reporting a fraudulent, inaccurate, and incomplete account on my credit report. The fraudulent account is XXXX XXXX XXXX XXXX XXXX. It has been reporting negative and missing information for over 4 years. This account was previously removed from my file due to reported fraud but was re-entered on my report without providing any information regarding why. This fraudulent account should be removed from my credit file immediately. FTC Report Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX This account is reporting inconsistent information between the two bureaus if this information is verified as accurate how is the high limit of {$610.00} and {$0.00}? The open date is even different PLEASE DELETE XXXX XXXX ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX  ) XXXX As a consumer, I know that you can not report an account as an open charge off and list the account type as unknown! How was this verified but listed as UNKNOWN? Wouldnt you have known what type of account it was if it was so-called verified? REMOVE IMMEDIATELY