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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Federal Trade Commission XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX Subject : Dispute of Inaccurate Credit Reporting Dear Equifax Customer Service, I am writing to formally dispute the accuracy of information being reported on my credit file, as per my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified an account that is being inaccurately reported, which includes an address and name that do not correspond with my Driver 's License or rental agreement.Your company can't Auto verify XXXX XXXX XXXX XXXX there is no address identifier number linked to XXXX XXXX XXXX XXXX XXXX, VA XXXX. That address is not listed on my personal information, making reporting of this account inaccurate and needs to be removed immediately. 

According to 15 U.S. Code 1681, consumer reporting agencies are required to conduct a fair and reasonable investigation upon receiving a written dispute. Inaccurate credit reporting not only undermines my creditworthiness but also violates my rights as a consumer. 

I request that you investigate this matter promptly and remove the inaccurate account from my credit report. Please find attached any supporting documentation that verifies my claim, including copies of my Driver 's License and rental agreement. 

I am looking forward to your swift response and resolution of this matter. If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your attention to this important matter.
Product: Debt collection

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove them from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

I demand these unauthorized fraudulent inquiries be removed from my credit report : 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 XXXXXXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX 

ALSO remove these addresses from my credit report that I've never lived at : XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, VA XXXX, and XXXX XXXX XXXX XXXX, VA XXXX ALSO remove all derivatives of my name from my credit report and only update my report with XXXX XXXX XXXX. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, I gave authorization to XXXX  XXXX XXXX to do a credit check based on the offer provided over the phone. Credit check was done and then they send the email for confirmation. In the email the offer were not the same as provided on the phone call. Hence I cancelled the service immediately before it got activated and request the customer to make sure the credit check that was done is removed my authorization were based on the offer provided over the phone. They said they will take care of it but until today XX/XX/2018. I tried to call XXXX & XXXX  XXXX XXXX customer support regarding the same but they have be just kept on transferring my call but none helped me and at the end they me on hold without any response ( the call went 40 + minutes ).
Product: Mortgage

Borrower was affected by COVID and fell behind on their payments. Borrower has a government backed guaranteed mortgage through USDA. Borrower has tried twice to get a loan modification but Carrington refuses to offer any type of retention program for the borrower in spite of the fact that Carrington is insured against loss because the loan is government backed.
Product: Mortgage

I recently inquired with my loan servicer about the steps needed in order to drop my Private Mortgage Insurance ( PMI ). My servicer explained that I must be at 80 % loan-to-equity value, or my PMI would automatically terminate once I reached 78 % loan-to-equity value. My loan-to-equity value is currently around 83 %, so I explained that I would like to have my property reappraised because I am confident that the new appraisal would result in a loan-to-equity value of at least 80 %. My loan servicer indicated that the only way I could terminate my PMI with a loan-to-equity value of 80 % based on a new appraisal was if I made structural improvements ( e.g., an addition ) to my home. The servicer went on to state that if I wanted my PMI terminated based off of a new appraisal, that my loan-to-equity value would need to be 75 % instead of 80 %. I explained to the representative that I was not told about this at my loan origination, and it was not in any of my closing documents from origination. I requested that the servicer send me documents that I signed during origination indicating that my loan-to-equity value needed to be at 75 % when terminating PMI due to a reappraisal. The servicer sent me the Private Mortgage Insurance Disclosure for a Fixed Rate Mortgage document that I signed at closing, but nowhere in this document does it disclose what the servicer informed me regarding the 75 % loan-to-equity value requirement. The servicer stated that this guideline has been established by XXXX XXXX, whom I contacted thereafter. The representative at XXXX XXXX informed me that 75 % loan-to-equity value is a requirement for reappraisal to terminate PMI if no other structural changes were made to the residence, and the reappraisal took place within the first two years. I again stated that I never acknowledged or signed off on any paperwork at loan origination that disclosed this information to me, the borrower. The representative informed me that he hears stories like this XXXX from borrowers constantly. Since loan origination ( i.e., closing ) is a legally binding agreement between the borrower and the originator, any additional policies in place by the entities who buy the loan should not apply if they were not disclosed in the origination paperwork. To do so is breaking a legally binding agreement between parties of a contract, and should thus be deemed not applicable due to a breach of contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act the list of accounts below violate my federally protected consumer rights. 
XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602A stated that I have the right to privacy 15 U.S C 1681 section 604A Section 2 states that if a consumer reporting agency can not furnish a account without my written instruction.

15 USC section 1681 a5 states that no consumer agency reporting my report any adverse items shall not report on my credit report for more seven years.
Product: Mortgage

Please be advised that I made my XXXX mortgage payment to my lender on XXXX @ XXXX XXXX ( see enclosed ) and as per the mortgage company - they posted the payment on the following Monday which made the payment late. 

I am in the middle of applying for a refinance and was about to close on the loan when they ran a last minute credit report and this appeared. 

I have called and spoken with several people and I was advised that they can not issue a statement to me in writing that the payment was receive on time and they have failed to advise that they will update the credit report. 

The loan, which I am authorized to speak on is in my ex husbands name and I am refinancing to take him off the loan. 

I emailed a higher up in the company ( see enclosed ) and I am waiting for a reply but I was additionally advised to submit a complaint to you from my attorney. 

I need this resolved ASAP
Product: Debt collection

My debt was sold. The amount is inaccurate. The debt was supposed to be removed from my account. However they reported the account was open in 2019 which is not true the amount is XXXX
Product: Mortgage

To Whom this will concern XXXX XXXX XXXX  -present time Chase Bank Chase bank is my mortgage holder and when I call customer service, they requested that I open a checking account to pay my mortgage. I have been paying via my saving account for the last 5 years without a problem. They sent me emails that I am4 month in arrears and I am in foreclosure They said should go to a branch and make extra payments in addition to my monthly electronic withdrawal. ( On my mortgage ). ( See attached ). My original loan amount was {$160000.00} in XXXX  I have documents proof that I already paid {$550000.00}. Because over the years I made 2 huge payments of {$50000.00} once in XXXX and {$50000.00} XXXX TO PAY DOWN THE PRINCPLE OF MY MORTGAGE but there is no evidence of these huge payments.. I was told the XXXX branch that I could not buy down my principle??? but the more questioned and complained I was given more court judgments. To pay. I made {$17000.00} in XXXX that was to pay down on my principle, but they applied it to my interested to pay off all these fraudulent judgments '. Chase bank has been calling me 3 times a week to since XXXX ( sounding very unprofessional ) to refinance my mortgage to avoid foreclosure. My house should have been paid off 10 yrs. ago but I am constantly receiving bogus judgements that is added onto my principle. ( See attached ) I have a judgment that belongs to my ex-husband that is 10 yrs. old, and I have been divorced XXXX. 
To XXXX XXXX ` XXXX XXXX XXXX XXXXXXXX Fraudulent Loan amount form Chase. 

Please see attached documents. I financed my original loan with XXXX XXXX XXXX in XXXX for {$120.00}, XXXX NOW I still owe {$120000.00} I GOING TO LET THE NEWS MEDIA BE THE JUDGE OF THIS OURRAGOUS FRUDNET MORTGAGE LOAN FROM CHASE. THEY OWE ME {$510000.00} and for ruining my credit for 25 years. YOU HAVE TO WOONDER HOWMANY PEOPLE THAT THEY HAVE ROBBED LIKE THIS. 
I have documented proof AND NUMBERS DO NOT LIE PEOPLE LIE. ITS NOT WHAT YOU KNOW BUT WHAT YOU CAN PROVE. 
Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

EARLY WARNING HAS STUFF REPORTING ON MY FILE WHEN NONE OF THE INFORMATION IS CORRECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

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, ONLY NAME IS XXXX XXXX, ONLY ADDRESS IS XXXX XXXX XXXX XXXX, SOUTH CAROLINA, XXXX
Product: Debt collection

I checked my credit and noticed an account for Wells Fargo in the amount of {$330.00}. I am requesting to pay the {$300.00}, which was the card 's limit to have the account settled and deleted. I fell behind on payments after I lost my job due to an extended amount of time out of work. I was diagnosed with long term XXXX XXXX, and had to undergo procedures to help make me more comfortable and to prepare me for weekly XXXX.
Product: Debt collection

On XX/XX/year> at XXXXXXXX XXXX I called Genesis credit management and explained to them I wasn't aware of the debt that was thrown on my credit out of nowhere and Immediately was cursed out and threatened and was told that I owed the debt and I told them if they can please send proof of said debt, they became even more aggressive saying they will email me and they haven't emailed I have asked them alot of times to send proof and take this off of my credit report ..I have lived in my current house for 6 years now and someone used my social security number to obtain an XXXX under a cpn.i do not owe the debt and I didn't receive any letters or proof from this company..they are scammers and they have several of other reviewers who have stated this company are scammers ..they will not provide proof nor take it off of my credit.
Product: Credit card or prepaid card

I have a business card with Capital One and have for several years I have never missed a payment and it's the largest expense I have right now. When COVID hit like most small businesses we were impacted drastically and immediately contacted our creditors. I will say Capital One was great with deferring payments on the account when we were not able to pay it. I contacted them several times to try to get a smaller payment than the {$2000.00} a month on the high APR account. Every time I was asked numerous questions and then told they couldn't help me. I understand they can no longer defer payments but the deferment just caused me to be way over the credit limit and made a bad situation worse. I only want to close the account and repay the balance at a lower APR and lower monthly payment that does not seem unreasonable. Currently I'm not late past 30 days and I am trying to salvage my credit the only suggestion they gave me is to go to a debt settlement or consumer counseling program which will trash my credit and tell me to stop making payments to my creditors. This is not helpful and I really can't believe that is the only suggestion or assistance that Capital One would offer to a customer that is wanting and willing to payback the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to challenge the accuracy of information found in my credit reports and to demand proof of any negative claims made against me. As a responsible consumer, I have every right to ensure that the information on my credit report is accurate and reliable. 

I understand that the FCRA allows me to challenge any inaccuracies in a manner compliant with federal law. When these inaccuracies are negatively affecting me financially due to their accuracy or completeness, I have the right to challenge them. It is my belief that the claims within my report are wrong, and there is no proof that I am delinquent or derogatory. Therefore, I demand that you provide me with physical proof of what has been done and an updated credit report. 

I urge you to follow proper procedures if these claims are in your system and to be used in my credit reports. You must comply with federal law ( FCRA ) and Metro 2 standards to ensure that all claims are accurate and reported in the correct format. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me with records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.

I have reviewed my credit report in all 3 bureaus ( XXXX, Transunion, and XXXX ), and even after the investigation, I see that not all information has been reported 100 % accurately, especially the late payments on my payment history. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. 

In summary, I am challenging the accuracy of the following accounts listed in my credit report : DEPT OF ED/XXXX : XXXX DEPT OF ED/XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX : XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX  : XXXX DEPT OF ED/XXXX XXXX XXXXXXXX I am giving you 30 days to investigate and provide me with accurate documentation and an updated credit report. Either confirm that this matter has been reported correctly, or remove it from the report immediately. It is time for me to get my life back and restore my good name. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been reported 30 days late multiple times by my apartment complex. I also emailed the accountant ( XX/XX/XXXX ) about the fact this was incorrect. He agreed I was correct and that corporate would fix it ( See attached. ) I reached back out XX/XX/XXXX because I had not heard back about this situation that happened in XXXX of XXXX. They are now trying to tell me they will not fix it and that anything after seven days is reported 30 days late ( see attached. ) I personally looked into the problem. Our lease states any payment will be applied to the oldest bill. However, XXXX is applying it to the next months utilities instead of the current bill. The accountant also includes in his email there is no way to fix that problem. They are the ones who put it in the lease and it is my belief they should have to follow it. XXXX ( The accountant ) was even nice enough to include the lease agreement in his follow up email so I have attached the section about rent being applied to the oldest balance. 

Thank you!
Product: Student loan

Year XXXX of XXXX. Great Lakes is who has my loan under consolidation. Before my loan was consolidated, I contacted Great Lakes questioning twice if the correct balance and the payments that I made to XXXX XXXX under Dept. of Education collections will the payments be applied to my consolidation once completed. Great Lake reps stated yes. XXXX XXXX rep XXXX when I was under them stated any payment which was the {$200.00} during Covid in which I did not have to pay, that it was going toward the loan ONLY. When the loan transferred to Great Lakes the full payments totaling {$200.00} did not transfer. They transferred only a few dollars. Contacted XXXX for a receipt since Great Lake stated they needed two wks ago in which nothing was done. I called XX/XX/XXXX spoke to first rep, he was lost with what my concern was so I requested a supervisor. XXXX ref # XXXX was repeating information that we both could see in which was the same information i explained to her even after I let her know that this is not what you all with Great Lakes told me while waiting for the consolidation transfer. I told her that they ask for a receipt and still nothing has happened. Instead of just letting me know that you don't know what to do you just sat on the phone listening until I ask what is the next step that you all need to take. She mentioned the next up of her manager. They are not trying to help anyway get there account corrected with the correct balance even after they requested a copy of receipts. I just want my loan amount corrected because this is my hard earned money.
Product: Mortgage

My loan was flagged for bankruptcy. I called Union Pacific and was told I could not fix the problem since I had filed for bankruptcy in XXXX. I live in XXXX, XXXX and my mortgage with the company is for a home in XXXX. I had to call numerous times and finally was transferred to XXXX XXXX the bankruptcy representative. He did some research and stated that I had filed for bankruptcy in XXXX. I informed him that was impossible and may be a case of identity fraud. After doing research XXXX found out that there was an individual with the same name and same last XXXX numbers on social. However when he researched looked for the birthdate and whole XXXX digit social it was different. XXXX promised the issue would be resolved and I would never hear of the issue again. It has been a several months and It has showed up on my credit report the last time I checked. I can not log into my Pacific Union account as it is still flagged as having bankruptcy. Pacific union should have verified all the information before flagging me as
Product: Credit reporting or other personal consumer reports

This company has outdated systems that misinform the consumer of what their account balances actually are as well as kick payments back with no reason why. Ive gone into the bank on serval occasions to be told someone would contact me and no one never will. Ive looked online and this is an ongoing problem with this institution.This banks makes it next to impossible to service accounts within their bank. I have all these improprieties documented.

1. When you login to pay your bill the companys system states no payment is due making you think its already been paid in hopes of collecting late fees.

2.You schedule auto pay and get a confirmation page stating its confirmed the company doesnt take the auto pay out. Ive made 3 payments in one month because of this companies lack of up to date abilities.

3. This may not be illegal but it is certainly not good customer service. When you setup autopay You are only able to pay the minimum payment or the entire balance payoff. This is a reckless banking institution and because of their callous actions my credit has been ruined for a {$10.00} payment they said was already paid. And failed to correct the problem after they were informed of it.
Product: Debt collection

Back in mid XX/XX/XXXX I filed a complaint against Stellar Recovery for validation of debt. Stellar stated that they would close this account and release debt from all national bureaus. In the meanwhile they are still continuing to contact me on an unvalid debt.
Product: Credit reporting or other personal consumer reports

I have diligently followed the dispute process for fraudulent accounts that have been erroneously reported on my credit report, and despite multiple escalations, I have yet to see any satisfactory resolution. 
List of Disputed Accounts : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

EquifaxXXXX  is deliberately displaying false account status information about XXXX XXXX against me on its website in an attempt to force me to pay monthly for a premium subscription which would then allow me to view credit reporting details in real time. They continue to report ONLINE the account status is CLOSED when they know its OPEN. My credit report shows the status is XXXX however a free membership account reporting online is deliberately FALSE. The merchant XXXX XXXX has notified Equifax in writing that the Account Status is OPEN after I redeemed my XXXX XXXX in XX/XX/year>! More than one year later This violation of the FCRA still stands online and is also being displayed by XXXX XXXX and on the Equifax.XXXX website! After several phone calls and letters to Equifax, I have demanded that they fix their website where I am able to view in real time my correct account status for this loan provider. Equifax has refused to make the technical fixes to repair its website and therefore my credit score is significantly lower with Equifax which is a violation of the law. Equifax continues to violate my right to view current details on the XXXX XXXX Account and is deliberately diminishing my credit score as a result. Details provided by phone do not match details being displayed ONLINE about this account. In fact, it contradicts what is printed on my credit report, but Equifax refuses to fix the website because I do not pay for a premium monthly subscription!! I will show pics of this error which shows a comparison of XXXX report against Equifax and how the same account does not match and will demand that Equifax fix their website and my account status being displayed on it immediately. I also demand that they increase my credit score once the correction is made because I have the exact same accounts listed on all three credit bureaus, so that when I log in with my free membership, I am able to see accurate account status for XXXX XXXX.