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

Subject : Dispute of Inaccurate Reporting XXXX XXXX XXXX Account Ending in XXXX To Whom It May Concern, I am writing to dispute inaccuracies on my credit report concerning the XXXX XXXX XXXX account ending in XXXX. This account is inaccurately reported and inconsistently represented across credit bureaus, violating the Fair Credit Reporting Act ( FCRA ). 

Disputed Information Creditor Name : XXXX XXXX XXXX Account Number : XXXX Issue : The account is inaccurately reported as charged off, with inconsistent balances, payment histories, and account statuses across credit bureaus.

Violations 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy. The discrepancies in reporting clearly fail to meet this standard.

2. 15 U.S.C. 1681i ( a ) : Upon receiving a dispute, credit bureaus are required to conduct a reasonable investigation and correct inaccurate or inconsistent information.

Requested Resolution I request that Experian : 1. Delete the XXXX XXXX XXXX account entirely from my credit report due to the lack of consistent and accurate information.

2. Provide written confirmation of the resolution and any changes made to my credit report.

Supporting Documentation 1. A copy of my credit report highlighting the XXXX XXXX XXXX  account and discrepancies.

2. A copy of my government-issued ID and proof of address for verification.

Please investigate and resolve this dispute promptly, as required by FCRA. I expect a response within 30 days. 

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

I received an alert through XXXX on XXXX that my account had dipped by 15 points. Upon investigation, it was saying that I was 60 days late on all accounts. I called Equifax on XXXX and submitted a dispute. The rep conceded that it was Equifax error. That I wasn't 60 days late on any account and advised me to have my creditors update it. She said she could not fix it. However, even though the information was incorrect and it was their system error, which they admitted. I have not received the 15 pts back. In addition, the did another update after that which reported incorrect information making it appear as though I raised an account by {$2000.00}, that dropped my account another 13 points. I disputed that. The information was corrected but I never got the 13 points back. That's a total of 28 point in the span of a month while I am trying to buy a house. Their negligence is impacting my ability to secure a loan and the interest rate which I am being provided.
Product: Mortgage

I am contacting your agency for urgent assistance with my loan servicer, LoanCare/XXXX XXXX XXXX XXXX XXXX XXXX I was awarded a XXXX XXXX mortgage grant approval for {$6800.00}, and was approved for a XXXX Forbearance from LoanCare for the period of XX/XX/XXXX XXXX XXXX, XXXX. There is currently an overage amount of {$580.00} that I personally withdrew from my personal checking account to put towards my mortgage on XX/XX/XXXX, at the request of LoanCare. These funds are in an unexplained suspense account. Why arent these funds applied to my mortgage balance? How long do these funds remain unapplied in a suspense account? LoanCare provided me with a POC, XXXX XXXX, whom I left messages for and have not received a response from to date. 

Although I was eligibly approved by LoanCares Loss Mitigation Department on or about XXXX of XXXX, I recently received a letter from Loancare dated XX/XX/XXXX, that I am not eligible for any Foreclosure Alternatives at this time. These documented letters sent to me are unfair, deceptive, contradictory, and abusive practices of LoancareXXXX XXXX XXXX XXXX XXXX XXXX I am disgustingly disappointed that LoanCareXXXX XXXX XXXX XXXX XXXX is allowed to continue their deceptive practices, placing me in harms way of losing my home. LoanCare offered assistance with granting me a Forbearance, then deciding to renegue on the offer at a later date. This should not be allowed. These mortgage servicers and sub servicers conduct business in XXXX ; however, they should be forced to practice their businesses in Good Faith with the residents of New York State. 

I am reaching out to your agency for urgent assistance in this matter. 

I have attached supporting documents for your review. Please be advised of the servicers documented dates. 

Thank you
Product: Credit card

While making dinner on XXXX XXXX 2016, I received a call from BOA reguarding a credit card in my husbands name that we owe on. However when I told the young man that I did not have a job and that my husband was XXXX currently, he kept trying to get me to make a payment after no avail of trying to be able to call back when i found a job and could make a payment I decided to hang up. Then this young man called me back after I hung up on him. First call was at XXXX and lasted around 8.5 mins. The young man called me back again at XXXX, I had raw meat on my hands at this time and could not answer so it ended up going to Voice Mail, where the young man did not leave a message.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon checking report i notice fraudulent charges on my report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint on this company for multiple reasons XXXX. XXXX XXXX XXXX I was in the process of shopping for a new bank account as I pulled my credit I have noticed that XXXX XXXX XXXXXXXX charge Off this account on my credit and I have never received a XXXX form can you please go ahead and send that now. XXXX. To Whom it XXXX concern, While looking at my credit reports I have noticed the following account had a discrepancy in the payment history '' section of the listing XXXX XXXX XXXXXXXX XXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report accurate, consistent and up to date please " DELETE '' this item immediately : XXXX XXXXXXXX XXXX XXXX When the requested above deletions are made, please mail me an updated copy of my credit report
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card, Auto loan accounts, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud. My information was also involved in the recent Data Breach.
Product: Debt collection

THese people continue to call my job after I have repeatedly told them to stop. It 's harassment and illegal. I am not allowed to have personal calls at work.
Product: Debt collection

I received a letter from MANDARICH Law Group. 
They said I owed them money? 
I do not owe them money, nor have I ever done business with them. 
I have done research on them and found that they use unethical practices to collect money from people. 
They escalated their harassment from week of XXXX. 
They are sending a woman to my door after dark, and the woman is ringing the doorbell, banging my security door like a violent person, calling my name ( XXXX XXXX XXXX? 
I am frightened for my well-being, and can not stay home because I am fearful. 


I am a XXXX XXXX XXXX WIDOW, with a broken knee and other health issues. 
I have been staying away from the house because of this violent harassing behavior! 
I reported this to the XXXX with no response so far? 
I want this HARASSMENT to CEASE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2019 I received an email saying my dispute results were updating during process when I mail the letter off to Experian on XX/XX/2019 and the tracking said it arrived on XX/XX/2019. This sound so interesting because I called XXXX XXXX XXXX XXXX and asked about my dispute over the phone and the representative said they never received my dispute regarding this alleged account same for XXXX XXXX XXXX XXXX. I told them my grievance and they immediately cleared my charged off account. Experian has failed to accurately and effectively communicate to these entities that hold this accounts in my name. When I have an identity theft report on file concerning these alleged accounts. Experian misrepresented my case of identity theft and failed to provide creditors supporting documentation on my behalf. Experian is now fraudulently listing these accounts and aiding in defamation of my character. Experian failed to conduct a proper investigation, without verifying the debt, and without communicating to the creditors. 

They are in violation with the FCRA and the FTC. On top of that Experian and other credit reporting agency are selling my personal information. 

EXPERIAN needs to opt this consumer out of disputing online. This consumer does not want deliver results of my credit report sent electronically. Please send all reports through the mail. Experian is not doing a through investigation and this is not the first time this has happen it has happen multiple times. I have asked Experian to delete the accounts they can not verify by documentation. Excuse my frustration at this time during this matter and hope you are understanding. Thank you.
Product: Credit card or prepaid card

There were 2 credit cards opened without my knowledge. This is clearly fraudulent. Listed below are the details of each card. 
XXXX XXXX  Accnt # : XXXX Opened : XX/XX/XXXX Balance : {$4100.00} XXXX XXXX Accnt # : XXXX Opened : XX/XX/XXXX Balance : {$4100.00} Tried to dispute this accounts multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
Product: Checking or savings account

I have several inquiries on my Chex system profile from different banks to open up accounts that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX, NA XXXX {$500.00} XXXX   XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX {$350.00}
Product: Prepaid card

I bought a US bank XXXX gift card FYI Card # XXXX ccv XXXX Barcode # XXXX I made a flight book with XXXX, and there is an issue with the credit back so XXXX customer service suggested me to contact card issuer for refund ( this doesn't matter ). 

So I contacted USBank prepaid gift card customer service. Talking about open a dispute on payment. But I didn't proceed the dispute since the customer service told me, that will takes 180 days for investigation. So I quit, told that customer service stop it. 
( USBank Prepaid GC dpt. gets every phone call on recording, you can check the voice recording for, if I authorize the dispute ). 

Then I talked with XXXX customer service and finally, after XXXX hour talk, I get my refund perfectly back to my card. XX/XX/2023. 
And XXXX day later, I checked with USB GC auto-phone call, the balance {$500.00} was back. 
Landing safe for now. ( And my card wasn't replaced for now, since if the card is replaced, customer can not reach to auto-phone call, can not self-check balance with auto-phone call ) Then my nightmare came. 
Around 3 days later, approaching XXXX, I tried double check the card balance, since I know the USB GC is not someone good to use, so that I can avoid embarrassing of declined payment while trying to sweep the card in store. 

!!! I dial the auto-phone call number again, I was astonished transferred to human customer service, that's mean, something not right happened on my card, MY CARD WAS REPLACED. 

My card was replaced, without my authorization ; The replacing reason is, an un-authorized dispute. 
Init a dispute, without customer 's permission, is not right. 
Replace customer 's card, is also not right. 

But it's okay I'm trying not to be hash. 
I'm not happy with missed the oppotinute using the card on XXXX Friday, but fine. 

I talked with the USB GC customer service, they said the replaced card would with me on XXXX. 

But now, XX/XX/XXXX, still don't get. 

And a customer service told me it's still on time frame ( XXXX bs days ) ( while the previous customer service told me it is around XXXX bs days )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX : {$4500.00} ; XXXX XXXXXXXX Balance : {$760.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has updated the following account on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 and 611, Experian as violated my consumer rights by not adhering to the law. Section 611 ( 5 ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law  dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accouuts, petitions, pleadings, and other papers. Contract law states that the only way to contest a affidavit is to respond another affidavit. According the black law dictionary an affidavit, a written or printed declaration or statement of facts, made voluntarily, and confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. Experian failed to respond to my previous sworn statement of dispute affidavit with a another sworn statement of dispute affidavit which is against contract law. 

Also, section 605-B ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ;. 

Furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collection. 


I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. If the following accounts are not delete immediately from my credit profile. 

XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$300.00} XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$300.00} XXXX XXXX XXXX Account # XXXX Opened XXXX XXXX in the amount {$19000.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount {$200.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$200.00} XXXX XXXX XXXX  XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$250.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$500.00}
Product: Mortgage

XXXX company did not process the refinancing for XXXX mortgages in compliance with the Truth and Lending Act. As a results, I lost the opportunity to save thousands of dollars in savings. I also paid for {$900.00} for the appraisal fees that were not used. 
On XX/XX/2016, I applied with XXXX to refinance my personal residence and a rental property. After I submitted all the required documentation, the lender approved my application and promised to close within 60 days. The lender provided the disclosure documents on XX/XX/XXXX and the locked in interest rate agreements at interest rate of 2.875 % with XXXX discount ( {$2600.00} credit ) point for the principal residence and 3.375 % ( no discount points ) for the rental property. During next months, despite many phone calls, messages and emails, the lender did not do anything to reach the closing of the XXXX refinances. On XX/XX/XXXX, the lender called me and asked to renegotiate the interest terms since the initial lock-in agreements were expired. He offered new rates and I requested to lock-in 2.75 % ( no points ) for the residence and 3.375 % ( no points ) for the rental property. These new rates were significantly higher making the loans a lot more costlier. On this occasion the lender did not provide the disclosure forms, good faith estimates, and the lock-in agreements. Few days later I contacted the Lender to obtain the status and the lender responded that lock-in agreements. He mentioned having problems with this commitment desk. He also said that the interest rate are a lot higher. 

I believe that the Lender intentionally delayed processing the loan in order to let the lock-in agreement to expire and then offered hire interest rates that were not beneficial for consumer. The loans applications were not rejected I conclusion, I feel that the lender was negligent and discriminated against me when processing the loans applications and as a result I lost the opportunity to save ten thousands of dollars.
Product: Mortgage

On XX/XX/XXXX, I purchased a conventional loan through Quicken Loan, the loan was purchased by XXXX. I applied and was given a loan foreberance through XX/XX/XXXX. 
I asked Quicken Loans to verify I had enough funds in my escrow account to cover taxes and insurance during this period, and provide a vehicle to make payment directly into my escrow account to ensure taxes and insurance are covered during the foreberance period. 

To date Quicken Loans now my loan servicer will not provide any answer in regards to my escrow account, if enough fund are avaiable to cover taxes and insurance and had blocked me from making direct online payment into my escrow account.
Product: Mortgage

PMI Cancellation request denied a second time by Nationstar when my loan is current and balance is at {$28000.00} / XXXX %. The original loan originated in 2007 for {$40000.00}. Home purchase price {$42000.00} in XXXX 2007. Home at XXXX XXXX XXXX XXXX XXXX KS XXXX. XXXX County Appraised value {$42000.00}. XXXX I understand the law says PMI must be taken off at XXXX %. That would have been when the balance was at {$31000.00}. I have paid on time, and have made upwards of {$2000.00} of extra payments towards the principle since XXXX 2007. I am a XXXX vet on a limited income. Nationstar wants me to pay for an appraisal and title search which will cost over {$600.00} which is XXXX % of my XXXX payment. As far as I understand, they have been taking PMI for some months after the law says they have to take it off.
Product: Mortgage

In XX/XX/2005 I opened a second mortgage with CitiMortgage. The monthly payment was XXXX for a 20 year term. The interest is 7.89 %, which I considered high but figured I could refinance to a lower rate once the home renovations were completed. As the years advanced, I ran right into the housing crisis and the housing values dropped in my neighborhood. As I paid down the second mortgage I on numerous occasions attempted to do a refinance with citmortgage and other institutions. I kept running into the issue that in order to do a cash out refinance to pay off the second, I could not borrow more than the 75 % equity to pay off both first and second mortgage. When I contact citi about lowering my second, they stated that all the programs that they had were for first mortgages, not seconds. This has left me since the inception of the loan making over 135 payments of XXXX, totaling {$78000.00} on a loan with a originating balance of {$70000.00}. I fell that if I had been able to refinance this loan at 5.25 %, that would be a savings of 2.64 %. This equates to approximately {$1800.00} a year in lower apr. Amortizing over 12 years, this is over {$20000.00} dollars in finance costs due to my inability to refinance this loan due to the drop in house values. I am asking in light of my consistent payments over 12 years, and the inflated, non market rate apr of 7.89 % that CitiMortgage write down my remaining balance of {$42000.00} by the {$20000.00} in overage in the last 12 years. By doing this and lowering the second to a market rate of 5.25 %, this would allow me to continue to be able to service this debt. I truly feel that all the programs that existed out during the recession only targeted the primary mortgages, and I suffered a much higher interest rate with no other recourse.